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    <description>Building a coherent set of positions: fund overlap, correlation, position count, home bias, and a rebalancing schedule that survives a busy year.</description>
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      <title>How Often Should You Rebalance a Long-Term Portfolio?</title>
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      <description><![CDATA[Vanguard's 1960–2018 research found annual and 5%-threshold rebalancing performed nearly identically. Here is how to pick a rule and stick to it.]]></description>
      <pubDate>Mon, 24 Aug 2026 08:56:01 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>How Does SIPC Protect Investors When a Brokerage Fails?</title>
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      <description><![CDATA[SIPC replaces missing cash and securities up to set limits when a member brokerage collapses, but it never insures against a market decline.]]></description>
      <pubDate>Fri, 21 Aug 2026 08:47:21 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>How Portfolio Rebalancing Works, and What It Actually Fixes</title>
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      <description><![CDATA[Rebalancing does not chase higher returns. It resets a portfolio to the risk level an investor originally chose, and the evidence shows most of its benefit comes from staying disciplined, not from trading often.]]></description>
      <pubDate>Wed, 19 Aug 2026 08:47:20 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>Asset Location: Which Accounts Should Hold Which Funds</title>
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      <description><![CDATA[Bonds in tax-deferred, index equity in taxable, highest growth in Roth — asset location adds tens of basis points a year at zero cost and zero risk.]]></description>
      <pubDate>Sat, 01 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>The Real Risk of a Concentrated Single-Stock Position</title>
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      <description><![CDATA[One stock at 20% of a portfolio can erase years of growth in a day. The concentration arithmetic, the Enron lesson, and unwinding a big position.]]></description>
      <pubDate>Thu, 09 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>How to Build a Three-Fund Portfolio in an Afternoon</title>
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      <description><![CDATA[Three index funds — US total market, international, bonds — cover ~10,000 securities at minimal cost. The split, the steps, and why three is enough.]]></description>
      <pubDate>Tue, 16 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>What Correlation Means for Portfolio Diversification</title>
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      <description><![CDATA[Diversification lives in correlations below 1 — and 2022 flipped the stock-bond correlation by regime, not accident. What the number means in practice.]]></description>
      <pubDate>Mon, 25 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>Asset Allocation by Age: How to Actually Think About It</title>
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      <description><![CDATA[110 minus your age is a start, not a plan — horizon, human capital, and spending finish the decision. Allocation bands by life stage, explained.]]></description>
      <pubDate>Sat, 02 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>The 60/40 Portfolio: What It Holds and Why It Endures</title>
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      <description><![CDATA[What the 60/40 portfolio holds, what 2022's double loss proved about it, and why the construction still endures for long-term investors.]]></description>
      <pubDate>Thu, 09 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>Home Country Bias and What It Costs US Investors</title>
      <link>https://newsjay.com/portfolios/home-country-bias-and-what-it-costs-us-investors.html</link>
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      <description><![CDATA[US investors hold far more domestic stock than the ~two-thirds US share of world markets. How home bias concentrates risk, and useful allocation ranges.]]></description>
      <pubDate>Tue, 17 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Portfolios</category>
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      <title>How Often Should You Rebalance Your Portfolio</title>
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      <description><![CDATA[Annual and 5%-threshold rebalancing delivered near-identical historical results; never rebalancing changed the risk profile entirely. A practical guide.]]></description>
      <pubDate>Mon, 23 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>How to Check Your Funds for Hidden Overlap</title>
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      <description><![CDATA[Three index funds can hide one 11% bet on a single mega-cap. A five-step overlap audit using free SEC filings shows what a portfolio really owns.]]></description>
      <pubDate>Sat, 31 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>How Many Stocks Does a Diversified Portfolio Need</title>
      <link>https://newsjay.com/portfolios/how-many-stocks-does-a-diversified-portfolio-need.html</link>
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      <description><![CDATA[Research says 20-30 stocks capture most diversification, yet 4% of companies drive all net gains. Here is what that means for your portfolio.]]></description>
      <pubDate>Thu, 08 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Portfolios</category>
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