tag:blogger.com,1999:blog-17209233.post7882037177756547095..comments2023-09-30T11:58:07.453-04:00Comments on The Frugal Duchess: Recovering My Frugal Groove: How Much Diversification is Enough? My Retirement Fund QuestionFrugal Duchesshttp://www.blogger.com/profile/00505138013388396364noreply@blogger.comBlogger1125tag:blogger.com,1999:blog-17209233.post-86995539205496290842009-02-11T12:26:00.000-05:002009-02-11T12:26:00.000-05:00These are great questions. Diversification is a m...These are great questions. Diversification is a multi-level question. In terms of asset allocation, its good to be diversified. By all means, talk to your adviser. Sounds like she or he did a good job by keeping you in the fund you have.<BR/><BR/>I do not recommend bonds at all right now. When interest rates go up, and they will, bonds are going to get clobbered. <BR/><BR/>I feel that the best approach from a safety standpoint and user-friendly standpoint is to have all the funds at a third party custodian - like Schwab or Fidelity or TD Ameritrade. You can buy many different families (suggested) yet get one statement. These companies are considered safe.<BR/><BR/>In terms of how to invest the money, that's a whole other issue and I'd be happy to comment - but I think I've taken up too much space already....)Anonymousnoreply@blogger.com