#DiversifyYourAssets Over Time: Dollar-cost averaging, where you invest a fixed amount of money at regular intervals, is a form of diversification over time. It helps to reduce the risk of investing a large sum at the wrong time.

Important Considerations:

* Your Risk Tolerance: Your comfort level with risk will influence how you diversify. Younger investors with a longer time horizon might be comfortable with a higher allocation to stocks, while older investors nearing retirement might prefer a more conservative mix with more bonds.