I tend to concur with most of what you said in your submit but I
did submit some thing associated on my weblog a while back again.
Here's just some of what I said in that post?-
There are individuals who believe that to diversify your portfolio you only need to choose stocks in various sectors rather than focusing on 1. This was a huge problem when the Dot Com boom went Dot Bust. Quite a few people learned valuable lessons during this time frame and have taken it a little bit to heart. However, there is nothing to say that we will never again experience a significant stock market crash. If this were to happen and your entire retirement hopes, dreams, and funds rested on the stock market for salvation you would be in deep and shark infested waters financially as a result. 
Give it a read and if you have any opinions on it of your own personal,
feel free of charge to give me a shout?-
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Thanks!
