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Our reader should hold appropriate insurance and better diversify his portfolio
Diversification can reduce upside
This reader should consider a wider range of opportunities
Hold enough cash to sit through market downturns
No one consistently beats the market
Our reader should reduce his large allocations to individual share holdings
Our experts help a reader to assess whether his portfolio can deliver the income he needs
Over-diversification can reduce聽the chance of big gains
Conventional trackers and income funds will typically invest in the 'wrong' sectors for you
Your聽final-salary pension could be a key part聽of a secure income
