Diversification
Diversification means spreading your money across many investments so no single one can sink you — the financial version of not putting all your eggs in one basket. It's the one 'free lunch' in investing: it lowers risk without necessarily lowering expected return.
A single low-cost total-market index fund already holds thousands of companies, delivering broad diversification in one purchase. Adding bonds and international exposure diversifies further across asset types and economies.
Put it to work
Investment Calculator
Project an investment portfolio's growth with monthly contributions — final value, your money vs market growth, and the year-by-year path.
Retirement Calculator
Project your retirement savings: what your balance could reach by retirement age and the monthly income it could sustainably provide.
Net Worth Calculator
Calculate your net worth the way advisors do: everything you own minus everything you owe, with your debt-to-asset ratio as a health check.