November 7, 2025

Hi there

Good morning! In today’s issue, we’ll dig into the all of the latest moves and highlight what they mean for you right now. Along the way, you’ll find insights you can put to work immediately

— Ryan Rincon, Founder at The Wealth Wagon Inc.

You’ve probably heard the old saying: “Don’t put all your eggs in one basket.”
In investing, that advice isn’t just a cliché — it’s survival. Whether you’re saving for retirement, a dream home, or financial freedom, diversification is the key to growing your wealth without losing sleep when markets dip.

Let’s break down what diversification really means, why it matters, and how to build a portfolio that can weather almost any storm.

Diversification simply means spreading your investments across different assets so that no single mistake or market event can wreck your entire plan.

Here’s a simple way to picture it:
Imagine you own only airline stocks — and then a global pandemic hits. Your portfolio tanks.
But if you also owned healthcare, tech, bonds, and maybe some real estate? Your losses would be cushioned because other assets might rise or stay steady.

That’s diversification — a strategy that balances risk and reward.

Different investments behave differently in various economic conditions.

By mixing assets, you’re essentially building a portfolio that can bend — but not break — under pressure.

“The goal of diversification isn’t to maximize returns — it’s to minimize regret.” — Harry Markowitz, Nobel Prize-winning economist

Let’s break diversification into four main categories.

Stocks are your growth engine — they tend to outperform other assets over time but also swing the most.

💡 Pro tip: A total market ETF like VTI (U.S.) or VXUS (international) gives you wide exposure with low fees.

Bonds act like the brakes to your stock-market gas pedal. They provide stability and income.

The classic mix? 60% stocks, 40% bonds — but your ratio should depend on your age, goals, and risk tolerance.

These include real estate, commodities, and even gold. They protect against inflation and provide balance when financial markets fluctuate.

Adding even 5–10% of real assets can make your portfolio more resilient.

Keep some cash or short-term savings for flexibility.
And if you want to go deeper, alternative investments like private equity or venture capital can offer diversification — but only if you understand the risks.

Here’s a step-by-step blueprint for most investors:

This keeps your risk level consistent and avoids letting one asset dominate.

Investors often forget one key element — geography.
Global diversification helps protect against regional downturns.

Think of it like a buffet: a little bit from each region gives you better nutrition for your portfolio.

Diversification isn’t just math — it’s mental protection.
When you’re spread across many assets, market drops don’t feel catastrophic.
That keeps you from panic-selling — the #1 killer of investment returns.

Remember: time in the market beats timing the market.

Diversification doesn’t make you rich overnight — it helps you stay rich over time.
It’s the difference between gambling on luck and building wealth on logic.

So the next time the market dips, you won’t be biting your nails — you’ll be calmly sipping coffee, knowing your portfolio was built to survive.

“Wide diversification is only required when investors do not understand what they are doing.” — Warren Buffett

Now you understand it — so start building that resilient, well-balanced financial future.

I hope you enjoyed today’s issue of The Wealth Wagon. If you have any questions regarding today’s issue or future issues feel free to reply to this email and we will get back to you as soon as possible. Come back tomorrow for another great post. I hope to see you. 🤙

— Ryan Rincon, CEO and Founder at The Wealth Wagon Inc.

_^Disclaimer: This newsletter is for informational and educational purposes only and reflects the opinions of its editors and contributors. The content provided, including but not limited to real estate tips, stock market insights, business marketing strategies, and startup advice, is shared for general guidance and does not constitute financial, investment, real estate, legal, or business advice. We do not guarantee the accuracy, completeness, or reliability of any information provided. Past performance is not indicative of future results. All investment, real estate, and business decisions involve inherent risks, and readers are encouraged to perform their own due diligence and consult with qualified professionals before taking any action. This newsletter does not establish a fiduciary, advisory, or professional relationship between the publishers and readers.