5. Diversification and asset allocation strategies do not make sure a financial gain and do not defend against losses in declining markets. You can certainly overcomplicate diversification, but it can be attained with just three–5 investments. If that Seems mad, you don't need to take my word for it — https://rowanudlst.arwebo.com/60695532/5-simple-techniques-for-tax-deferred-retirement-accounts