Diversification is the most misunderstood word in finance

You’ve done the right thing. You spread your investments out.
VTI, SPY, maybe a target date fund. It feels diversified—and on paper, it is.

But here’s the truth the pros know:
🧠 Most portfolios that look diversified… aren’t.

VTI, SPY, QQQ? Up to 90% correlated.

In 2022, stocks and bonds dropped together—60/40 failed for the first time in decades.

Most investors are diversified by ticker, not by risk.

Real diversification means holding assets with different responses to stress.
It’s structure—not quantity—that protects you.

You’re already doing better than most. Now it’s time to dial it in.

👇 Comment “RISK” to learn how smart portfolios are actually built.

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