Having money spread across several accounts can create an impression of broad diversification. Michael L. Niemczyk brings attention to why the number of investment accounts someone owns may reveal relatively little about how diversified the overall portfolio actually is. Over a career, it is common to accumulate assets in different places. A worker may participate… Continue reading Why Having Several Investment Accounts Does Not Automatically Mean a Portfolio Is Diversified
Month: September 2026
Why a Retirement Portfolio May Need to Change When Saving Turns Into Spending
Retirement changes the purpose of a portfolio in an important way. Michael L. Niemczyk brings attention to the transition from regularly adding money to investment accounts to potentially relying on accumulated assets for ongoing expenses. During working years, investors may spend decades contributing to retirement accounts while concentrating on long-term growth. Once retirement begins, the… Continue reading Why a Retirement Portfolio May Need to Change When Saving Turns Into Spending