Do – Diversify your portfolio. This may sound cliché but it is vitally important. Diversification acts as an insulator against the ups and downs of the market. If you own too much in any one company, economic sector, asset type, or country you are unnecessarily exposing yourself to additional risk. True diversification is when you own several different types of stocks (e.g. US, international, emerging market, large cap, mid cap and small cap), bonds (e.g. US, international, Floating rate, inflation protected, high yield, short term, etc.) and alternative asset classes (e.g. real estate, precious metals, oil/gas, etc.).