{"id":40376,"date":"2021-07-01T08:35:50","date_gmt":"2021-07-01T12:35:50","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=40376"},"modified":"2021-07-04T18:23:03","modified_gmt":"2021-07-04T22:23:03","slug":"diversify-your-portfolio","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/diversify-your-portfolio\/","title":{"rendered":"Diversify Your Portfolio: 4 Tips for Better Investing"},"content":{"rendered":"\n<p>Do you know how to <a href=\"https:\/\/www.shortform.com\/blog\/benefits-of-diversification\/\">diversify your portfolio<\/a> to strengthen your financial security? Do you need some direction with <a href=\"https:\/\/www.shortform.com\/blog\/asset-diversification\/\">asset diversification<\/a>?<\/p>\n\n\n\n<p>To preserve a steady passive income over time, consider implementing some of the following ideas for diversifying your portfolio. You also could benefit from asking yourself seven questions (found at the end of this article) about asset diversification in your situation.<\/p>\n\n\n\n<p>Read on to learn ways you can diversify your portfolio.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">The 4 Options to Consider When Diversifying Your Portfolio<\/h2>\n\n\n\n<p>There are plenty of options for investment. It\u2019s rare that all asset classes, or types of investment instruments, will be growing in value at the same time. <strong>Diversifying your portfolio, or investing capital in a variety of asset classes, allows you to preserve a steady passive income over time.<\/strong><\/p>\n\n\n\n<p>These are the main asset classes:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Fixed Income (certificates of deposit, bonds, etc.)<\/li><li>Stocks (index funds, mutual funds, etc.)<\/li><li>Real Estate<\/li><li>Commodities (agricultural products, minerals, oil and natural gas)<\/li><li>Foreign Currencies<\/li><li>Green Energy<\/li><li>Peer-to-Peer Lending<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Tip #1: Alternative Bonds<\/h3>\n\n\n\n<p>Though treasury bonds are not as high-yielding as they used to be, there are two other bond options to consider that generally have higher interest rates:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Agency bonds: invest in a specific part of the government you care about, like agriculture.<\/li><li>Corporate bonds: a bond issued by a corporation.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Tip #2: Low-Cost Index Funds<\/h3>\n\n\n\n<p><strong>Low-cost index funds are the go-to asset diversification option for many seeking financial <a href=\"https:\/\/www.shortform.com\/blog\/maturity-continuum-7-habits\/\">independence<\/a>.<\/strong> They\u2019re designed to follow bond market or stock market indices using passive management. Minimal trading is a built-in, low-cost feature.<\/p>\n\n\n\n<p>Index funds come with combinations of 3 characteristics. Mix and match to diversify your investment portfolio:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Stocks or bonds<\/li><li>Domestic or international<\/li><li>Small, medium, or large<\/li><\/ul>\n\n\n\n<p>Choosing funds with different sets of characteristics decreases your risk. However, there is always risk. Because stock market funds fluctuate with the market, they\u2019re riskier than bond funds. In the history of the US, there have been multiple major market downturns in which it took decades or more for the market to recover. Young people like investing heavily in stocks but may not realize that they\u2019re putting their capital at risk. Bond funds are less risky\u2014if a crisis hits, you only risk dropping a percent or two.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Individual Retirement Accounts (IRAs)<\/h4>\n\n\n\n<p>Employers may offer low-cost index funds to help you save for retirement. IRAs (\u201cindividual retirement accounts\u201d) often have low-cost index fund options.<\/p>\n\n\n\n<p>If your employer offers a matching program, go for it\u2014you\u2019ll expand how much money you invest.&nbsp;<\/p>\n\n\n\n<p><strong>You can still enroll in these kinds of funds even if your employer doesn\u2019t offer one.<\/strong> Opening an account with a company like Vanguard or Fidelity is similar to opening a bank account, but the returns are better.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tip #3: Real Estate<\/h3>\n\n\n\n<p>Real estate is a popular way to diversify your portfolio. Buying a single-family home or multi-family dwelling is a great investment opportunity. If you rent out part of it and make it your home, your tenants effectively pay you to live there.<\/p>\n\n\n\n<p>The two main downsides to homeownership are that it\u2019s not easy to access the money quickly if needed, and there are considerable costs, like taxes.<\/p>\n\n\n\n<p>Ask these three questions to select an appropriate real estate investment:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Do you like the location well enough to consider living there or maintaining the house for the next few years or longer?<\/li><li>Is the property value predicted to go up over time?<\/li><li>How much in expenses do you expect? This includes taxes, insurance, utilities, etc.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">A Caveat on House Flipping<\/h4>\n\n\n\n<p>Some people like to buy homes, fix them up, and sell them for a higher price. This strategy can work well while you\u2019re building up savings, but isn\u2019t a great long-term investment strategy for financial independence because it\u2019s risky\u2014you can\u2019t always make a profit, and it may drive the gentrification of a neighborhood by selling at a high price that displaces local residents.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tip #4: Local Lending<\/h3>\n\n\n\n<p>To add a community dimension to diversifying your portfolio, connect with organizations that pair investors with small businesses looking for loans. For example, you could lend money to a local bakery and ask for the principal and five percent interest back once they\u2019re up and running.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Evaluating Investments<\/h2>\n\n\n\n<p>Ask these questions when deciding what to invest in:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Does it fit my risk tolerance?<\/li><li>Does it fit my values?<\/li><li>Does it help diversify my portfolio?<\/li><li>How easy is it to buy and sell?<\/li><li>Will it offer the income I need?<\/li><li>When can I access the income associated with it?<\/li><li>Will I have to pay local, state, or federal taxes on the income it produces?<\/li><\/ul>\n\n\n\n<p>When you diversify your portfolio, you have a better chance at reaching the level of financial freedom that you desire.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you know how to diversify your portfolio to strengthen your financial security? Do you need some direction with asset diversification? To preserve a steady passive income over time, consider implementing some of the following ideas for diversifying your portfolio. You also could benefit from asking yourself seven questions (found at the end of this article) about asset diversification in your situation. Read on to learn ways you can diversify your portfolio.<\/p>\n","protected":false},"author":9,"featured_media":40385,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[81,31],"tags":[396],"class_list":["post-40376","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economics","category-money","tag-your-money-or-your-life","","tg-column-two"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Diversify Your Portfolio: 4 Tips for Better Investing - Shortform Books<\/title>\n<meta name=\"description\" content=\"Learn four ways to diversify your portfolio and keep a steady passive income, and ask yourself seven questions about asset diversification.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.shortform.com\/blog\/diversify-your-portfolio\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Diversify Your Portfolio: 4 Tips for Better Investing\" \/>\n<meta property=\"og:description\" content=\"Learn four ways to diversify your portfolio and keep a steady passive income, and ask yourself seven questions about asset diversification.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.shortform.com\/blog\/diversify-your-portfolio\/\" \/>\n<meta property=\"og:site_name\" content=\"Shortform Books\" \/>\n<meta property=\"article:published_time\" content=\"2021-07-01T12:35:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-07-04T22:23:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/s3.amazonaws.com\/wordpress.shortform.com\/blog\/wp-content\/uploads\/2021\/06\/diversify-your-portfolio.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"750\" \/>\n\t<meta property=\"og:image:height\" content=\"262\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Elizabeth Whitworth\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Elizabeth Whitworth\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.shortform.com\/blog\/diversify-your-portfolio\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/diversify-your-portfolio\/\"},\"author\":{\"name\":\"Elizabeth Whitworth\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/d2928cf6c11a69ced1491d6a5b74fb13\"},\"headline\":\"Diversify Your Portfolio: 4 Tips for Better Investing\",\"datePublished\":\"2021-07-01T12:35:50+00:00\",\"dateModified\":\"2021-07-04T22:23:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/diversify-your-portfolio\/\"},\"wordCount\":799,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/diversify-your-portfolio\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2021\/06\/diversify-your-portfolio.jpg\",\"keywords\":[\"Your Money or Your Life\"],\"articleSection\":[\"Economics\",\"Money\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.shortform.com\/blog\/diversify-your-portfolio\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.shortform.com\/blog\/diversify-your-portfolio\/\",\"url\":\"https:\/\/www.shortform.com\/blog\/diversify-your-portfolio\/\",\"name\":\"Diversify Your Portfolio: 4 Tips for Better Investing - 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