Insights
Practical guides on portfolio diversification, asset allocation, ETF overlap and look-through analysis for investors building toward financial independence.
- The US Is Paying 5.30% to Borrow for 10 Years. Investors Want More. — US Treasury yields are above 5% despite lower inflation. We examine auction demand, US debt, foreign buyers, gold, AI credit and what it means for bonds.
- How to Diversify a Portfolio: True Asset Allocation, Not More Funds — Learn how to diversify a portfolio with true asset allocation. Look through ETFs for overlap and concentration, then get a health score and a clear plan in minutes.
- The Diversification Illusion: Are You Overexposed to US Tech in Your Global Portfolio? — Are you overexposed to US tech without knowing it? Global equity funds, S&P 500 ETFs and technology funds often hold the same mega-cap names — the diversification illusion. Learn how MSCI World embeds US and tech exposure, and how look-through analysis reveals what you really own.
- SPY, QQQ and a Global Fund: How ETF Overlap Can Increase Your Costs — SPY, QQQ and a global equity fund can hold the same mega-cap names while charging separate OCFs. Learn how ETF overlap, blended portfolio costs and look-through analysis reveal what you really own.
- Is the 60/40 Portfolio Still Relevant in 2026? — 60/40 isn't dead, but stocks and bonds fell together in 2022. See how risk assets, risk dampeners and alternatives can build a stronger core.
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