Diversification reduces risk by spreading investments across assets with low or negative correlations. Harry Markowitz’s modern portfolio theory, which earned a Nobel Prize, remains as relevant ...

Retirees looking to diversify into international stocks can find a low-cost solution aboard the ship of Vanguard. To this day ...

For real diversification, a broader approach is essential ... AOM charges a 0.15% expense ratio. Investors who don't mind additional complexity and some hands-on management can reduce costs ...

Many offer single-ticker diversification among types of commodities ... typically pulls its weight infrequently, the ETF expense ratio is an extremely important consideration." ...