Jody’s method, but it shouldn’t be confusing. Start broad — domestic and international equities, government and corporate bonds, and maybe a small allocation to property or commodities depending on your knowledge and needs. For most investors, low-cost index funds and ETFs deliver instant, efficient diversification without the research burden of picking individual stocks. https://www.dropbox.com/scl/fi/3s3wljiv296iiy8zytyiy/Jody-Benson-Sharp-Building-Wealth-Through-Smart-Savings-and-Investment.docx?rlkey=bj7ohs64btgxeh0wvp7kn0bcx&st=fp7jt10a&dl=0