Avoiding Over-Diversification

Diversification involves having a wide range of investments within a portfolio to reduce risk - basically, not having all of your trading eggs in one basket. Having a range of investments usually yields higher returns, and also shields an investor from losing everything if one part of the market falls.

But did you know that you can be over-diversified? Not only that, but some financial advisers encourage it.

You may be over-diversified if you:
• Own too many mutual funds within a single investment style category
• Excessively use multi-manager investments
• Own excessive individual stock positions
• Own privately-held, non-traded investments that are no different to the publicly traded investments you own

Too many mutual funds in a single category

A mutual fund is a pool of funds collected from a number of investors for the purpose of investing in financial instruments, such as stocks and bonds. However, some mutual funds with different names can have similar investment strategies and investment holdings.

Investment research firm Morningstar has developed categories for mutual funds, such as 'large cap value' and 'small cap growth', which group similar mutual funds. Investing in more than one fund in the same category reduces the rate of diversification achieved by holding multiple positions, while increasing your required investment due diligence and investment costs.

Excessive use of multi-manager investments

Multi-manager investment products, like mutual funds that invest in other mutual funds, can help small investors obtain instant diversification. However, these products have a lack of customisation, as well as high costs and diluted due diligence, with a financial adviser monitoring an investment manager who is monitoring other investment managers.

Excessive individual stock positions

Too many individual stock positions can result in high levels of required due diligence, complicated taxes, and performance that mimics a stock index (but which costs more than it would to trade on that index).

It is widely accepted that it takes around 20 to 30 different companies to adequately diversify a stock portfolio (though there are varying opinions on this), and these stocks should be invested in companies across different industry groups and should match an investor's trading style.

Privately-held, non-traded investments like the publicly traded investments you own
Non-publicly traded financial products are promoted for their price stability and diversification benefits when compared to publicly traded products. Although these products can diversify your portfolio, their risks may be understated by the irregular methods used to value them (such as estimates and appraisal values rather than market transactions), which can artificially smooth an investment's return over time. This smoothing can overstate a product's diversification benefits by understating its volatility and correlation relative to more liquid assets.

Additionally, if these products are similar to the publicly-traded ones you have already invested in, you lose the benefit of diversification.

Why is over-diversification encouraged?

In the case of the man on the street, he probably doesn't recognise over-diversification. In the case of your financial adviser, it comes down to job security and revenue.

If a financial adviser fears losing accounts over unexpected investment outcomes, this could motivate him to diversify your investments to the point where they don't move in either direction. And, with mutual funds, it is easy for the adviser to spread your portfolio to other investment managers. And, over-diversifying your portfolio could help an adviser earn more in fees and charges for individual investments.

So, the lesson to take from this is to actively work with your financial adviser - ensure that you understand everything in your investment portfolio, why you own it and how it contributes to your investment strategy and goals. Becoming involved in the diversification process is the best way to both hedge your portfolio and make it perform to its greatest potential.

Improve your knowledge of trading with extensive education tools and free online seminars. My preferred CFD provider offers a range of financial instruments, including forex trading on major and exotic currency pairs, and trading on thousands of global shares.

Please keep in mind that CFDs and the foreign exchange are leveraged products, so it's possible to have losses that are greater than your initial investment. As CFD trading might not be suitable for all people, so please educate yourself so you understand the risks.

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Business Services

Without question, San Diego is a city filled with business potential. Countless businesses began their life in the city as mere startups but grew to massive success quickly thanks to a combination of service and good strategies. If you're hoping to open your own small business in San Diego, you'll need to follow a few key steps to help bolster your chances of success. California has many unique restrictions and licensing requirements, so keep those in mind and ensure that you obtain them all. Taxes, unemployment accounts, business ID numbers, and many other filing requirements must be taken seriously.

San Diego is one of the most unique cities in the country,with many areas that have a personality of their own. Coronado, for example, became a resort destination in 1888 thanks to the grand Hotel de Coronado's opening. It maintains its upscale destination status today. The beaches of La Jolla are far different, hosting an eclectic mix of businesses on every beach from Pacific Beach to La Jolla Cove. If you want your small business to succeed, you'll need to ensure that you locate it properly.A surfing store is better suited to La Jolla than Coronado, for example.Location is a key element and should never be overlooked.

The most important part of starting a small business in San Diego will be your business plan. Great business plans take hundreds of hours to write, with research taking up as much or more time than the actual process of writing the plan out. It seems like a tedious process, but it is truly necessary. A business plan not only helps you get funding from investors or secure a loan from a bank, but also helps you understand exactly what you need to do in order to succeed in your business. If you doubt your abilities or simply don't have the time, you can hire professional business plan writers to take over this step for you and deliver a great business plan.

Once you've got the licenses required, written a great business plan, and secured the cash you need to open your business, the final step is simply to follow that plan to the letter. If you've done it correctly, your business plan will provide the blueprint you need to build your business and take it from startup to powerhouse. From costs and expenses to overall operating strategies, following it will be vital. Of course, things change and your business plan may need to change as you go along, but keeping it close to your heart will help you find the success that you dream of.

Tyler Jensen is the Founder and CEO of The Startup Garage.Tyler is a native of Virginia Beach, Virginia, who started VAVI Sport and Social Club,a sports leagues and social events company in San Diego. He grew the company to over 25,000 members in 6 years before selling it for over 25x the capital investment. Since,Tyler has found himself passionate about helping new entrepreneurs develop startups, and launched The Startup Garage in order to help them succeed.




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FDA Compliance - Looking At The Issue Of Medical Devices

The FDA is the principal watchdog for the pharmaceutical industry and one of the most heavily regulated areas is that of medical devices. Ensuring FDA compliance is of critical importance for pharmaceutical manufacturers for obvious reasons and in order to ensure this, most will turn to the expertise of pharmaceutical consultancy firms.

Any firm that manufactures medical devices will need to guarantee FDA compliance in order for their products to be deemed safe for the market. It is clear the reasons why being compliant is so important when it relates to medical devices because these products actually have to the potential to do harm if they are not sufficiently regulated. Compliance is a necessity for all within the pharmaceutical industry and many will employ consultants to help them achieve this in the remainder of 2010 and beyond.

What This Means For Medical Device Manufacturers

The actual term “medical devices” is extremely broad and encompasses a vast array of products - but the issue of FDA compliance is equally as important regardless of whether it’s high-tech diagnostic apparatus or a simple stethoscope that is being manufactured. The governance of the pharmaceutical sector is extremely stringent and it needs to be given the fact that faulty products or supplements have the potential to be harmful to the end user and this is something which simply cannot be condoned.

When it comes to FDA compliance, it stands to reason that medical devices are extremely carefully governed because of the nature of the products. Using pharmaceutical training and consultancy is a good idea for any manufacturer who wants to ensure that their product reaches the market in the shortest possible amount of time and isn’t at risk of the very expensive issue of product recalls.

Guaranteeing Compliance In A Fluid Field

The pharmaceutical industry is an ever evolving field and one that is exceptionally susceptible to change. This too applies to the manufacture of medical devices and the objective of ensuring FDA compliance is one that manufacturers simply cannot afford to ignore. Obviously, there will be a large number of legal implications when it comes to manufacturer the sorts of products utilised in medical fields and, in order to get to grips with these implications, most manufacturers look to pharmaceutical consultancy firms for guidance and assistance.

FDA compliance is something which is fairly straightforward to achieve so long as manufacturers listen to the guidance that they are provided with from specialists in the field. Most within the pharmaceutical industry wish to focus their attentions on providing the best possible product and will leave issues such as FDA compliance with the consultancy experts they have employed to keep their products on track.

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A Few CEH Training Courses Will Keep Your Hackers At Bay

Keeping a company’s information as it relates to both itself and its customers is very important. Unfortunately, in most cases the security of this information is constantly being threatened by hackers for a variety of reasons. As a result of this, it is important that information technology security officers do all they can to make their information system unbreakable.

If you are interested in becoming a part of the team of persons responsible for warding off hackers and creating barriers which are strong enough to keep the system secured, you should really think about becoming CEH certified.

CEH basically stands for Certified Ethical Hacker, and this certification serves as a means of educating and training professionals to be able to understand and identify vulnerabilities and weaknesses within a system. Therefore, as an Ethical Hacker the task will be yours to try to penetrate the computer systems and network of a company using the tools that a malicious hacker would. The main difference between you and a malicious hacker is that your method of hacking is legal in that you have permission from the company to do so.

What Will You be Taught?

If you are going to beat the hacker, you will have begin to think like one, and this will be one of the main objectives of the CEH training program. Via your CEH course, you will be taught in a hands-on environment how to carry out ethical hacking. As a result of this knowledge, you will then be able to achieve the highest level of security for your organization. You will do this by scanning the company’s system, test it, hack into it then create the necessary security measures to remove all vulnerabilities.

Using the hands on lab experience you will not just be given an in-depth knowledge to the process but also the practical experience as it relates to actually carrying out the process using current and up-to-date security systems. Through this medium, you will learn how defence perimeters operate, how to secure your system, how to scan, and hack your own network, and also other areas like Policy Creation, Intrusion Detection, Buffer Overflows, Virus Creation, Social Engineering and DDos Attacks among others.

Who Should Take the Course?

Certification is a good way to secure your job and your career. As a result of this, if you work in the position of a security professional, auditor, site administrator security officer of if you are concerned about your the reliability of your network’s infrastructure this is definitely a certification that you would want to consider having.

In order to become CEH certified, you will first have to have had at least two years experience in computer information security. Also, you can choose to study on your own, but this method will not equip you with the hands on training experience, that is usually necessary.

Therefore, the best thing to do is to choose an ECSA training course which will give you five days of intensive learning to get you prepared for the certification exam. This exam will comprise of 150 questions and has duration of four hours. In order to become certified and begin living your dream you will need to obtain at least 70% on the paper.

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