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YOVIDAI Investing Companion
beginner 3 min read

Portfolio Diversification

Not putting all your eggs in one basket — done properly.

Diversification means spreading your money across different companies AND different sectors AND different asset classes. It reduces the pain of any single bad decision.

Owning 5 banks is not diversification — it's a bet on one sector. Owning 1 bank, 1 IT company, 1 FMCG, 1 pharma and 1 auto is real spread.

For a beginner portfolio, 8–15 stocks across 4–6 sectors is a good target. Fewer than 5 is concentrated; more than 25 usually just tracks the index at higher cost.

Diversification cannot eliminate market risk — in a big crash almost everything falls. It only protects you from company-specific and sector-specific accidents.

Terms you'll see
  • CorrelationHow closely two stocks move together. Diversification works best when correlations are low.
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