Set clear investment goals
Assess your risk tolerance
Spread money across asset classes
Include stocks
Include bonds
Include cash or cash equivalents
Add real estate exposure
Consider commodities
Invest across different sectors
Invest across different industries
Diversify by geography
Include domestic investments
Include international investments
Use index funds
Use exchange-traded funds
Avoid concentrating in one stock
Avoid concentrating in one sector
Rebalance regularly
Review portfolio periodically
Match investments to time horizon
Use dollar-cost averaging
Keep some liquidity
Consider different market capitalizations
Include growth and value investments
Mix active and passive strategies
Limit emotional decision-making