Insights Latest insights on asset allocation, portfolio construction and fund & security selection. 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.The 60/40 Portfolio in 2026: Is It Still Relevant for FIRE Investors? — Is the 60/40 portfolio still relevant in 2026? Yes, as a framework. Learn how FIRE investors can evolve from equities and bonds towards risk assets and risk dampeners, including gold, Bitcoin and commodities. Back to DiversiFIRE · Full catalog (llms.txt)