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One of the most fundamental aspects of asset allocation is to have more than one asset type. Dave Ramsey's four-fund mix includes only one asset dave ramsey dating service there are only stock funds, no bond funds or cash money market or stable value. Dave Ramsey's 4-Fund Mix: Overlap Reduces Diversification In his mutual fund investment strategyDave Ramsey suggests investors to hold four mutual funds in their k or IRA: This four-fund mix has great potential for overlapwhich occurs when an investor owns two or more mutual funds that hold similar securities.

Following Dave's example, imagine an inexperienced investor looking at a k plan that offers Vanguard mutual funds. The beginning investor would not know if this fund was "growth" or "growth and income" or neither.

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Would the investor know if there was overlap? Here's how investors can find out, although Dave might not tell them this.

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They—or you—can go to Morningstar. Once on that fund's main page, look for a link to " Ratings and Risk " and click on it. When on that page, scroll down and you'll see something called R-squared and that it is However, if the fund is categorized as " world stock ," it can invest a percentage in U.

This creates more overlap—that is, less diversification. In summary, Dave's four-fund mix could potentially have the same diversification as just one or two stock funds. This kind of loss of account value frustrates investors and makes them stop investing altogether.

In his investment philosophy, Dave says to use Class A shares loaded fundswhich means the investor pays commissions to a broker or investment adviser in an IRA or brokerage account. Why wouldn't Dave recommend dave ramsey dating service funds? I wonder why he wouldn't help his audience invest for themselves or suggest using a "fee-only" adviser who can recommend no-load funds—an adviser who only gets paid for the unbiased advice they give and not the products they sell?

Dave Ramsey's Definition of Risk Tolerance Is Wrong Dave says that investors may need to adjust the aggressive portion of the portfolio if their risk tolerance is low, which means you have a shorter time to keep your money invested. An year-old can have a high-risk tolerance and a year-old can have a low-risk tolerance.

The amount of risk an investor can tolerate is completely about daves ramsey dating service or feelings, not an amount of time. What Dave Ramsey probably means when he says "risk tolerance" is what I call "risk capacity," which is the amount of risk someone can "afford" to take.

Likewise, if you have 40 years until retirement long time horizon, high-risk capacity but you have low-risk tolerance, you won't be served well by putting all of your k money in a stable value fund. I gave some clues in the first part of this article about how to correct some of Dave Ramsey's bad mutual fund advice.

In this second part of our feature, we cover all of the dave ramsey dating service ideas Dave shares with his audience, along with a few he could do a better job of communicating.

Everything from asset allocation to risk tolerance to portfolio strategy is here. If you like all of this information in one place, check out this article.

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However, if you only need a few pieces, the following links break it down further. Use a core-satellite portfolio design: This mutual fund portfolio structure is just as it sounds. You select a "core".

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