NEW YORK (CNNMoney) -- My money has been in six different mutual funds since 2004. I thought the investment profiles were different. Post-crash, when I (finally) looked into what each fund held, I found I had 37% in the financial industry. What's the best ways to make sure I'm diversified? -- Valerie Lam Rainey, Palo Alto
As you've learned, building a well-balanced portfolio is trickier than spreading your money among a handful of funds.
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