How Many Mutual Funds Are Enough for a Balanced Portfolio?
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How Many Mutual Funds Are Enough for a Balanced Portfolio?

When building an investment portfolio, one question often stumps investors—“How many mutual funds should I own?” It’s easy to assume that more funds mean better diversification and higher safety. But in reality, owning too many mutual funds can reduce clarity, increase cost, and ironically, dilute your returns. A balanced portfolio doesn’t require 10–15 funds. In…

Avoiding Portfolio Over-Diversification: Smart Strategies for Investors

Avoiding Portfolio Over-Diversification: Smart Strategies for Investors

Everyone talks about diversifying your investments, right? It’s like the number one rule: “Don’t put all your eggs in one basket!” The idea is smart – spread your money around different investments so if one goes down, your whole portfolio isn’t ruined. It’s supposed to make your money safer. But here’s a secret: sometimes you…