There is no unique answer here. It depends on each investor's risk profile, liquidity needs and financial objectives. That said, not optimizing diversification leaves money on the table leading you to take more risk per unit of return as the markets do not pay investors for diversifiable risk. Furthermore, try to reduce your execution costs as much as possible, which may come in the form of fees or high bid-ask spreads. I suggest that you try to define what your financial goals are, and then try to see how different investing options could make them a reality as well as the risks involved. A financial advisor might help. Regards, -JP
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