Having a diversified portfolio is one of the top most tips when it comes to investing- you’ll hear this everywhere you go, and for good reason. It’s one of most effective ways to maximize your return for a given amount of risk- and risk isn’t anything you should take lightly, especially if you’re not starting off with a ton of money.

That being said, having a diverse portfolio doesn’t come cheap, because it requires you to invest in international stocks and bonds, various income investments, commodities, large and small-cap stocks, the likes.

But with more and more people joining in on the fun of investing, there are now ways you can do all of that without spending ALL of your money!

So, read on to find out how you can do it too- trust us, it’s going to be one of the best decisions of your life, and possibly the greatest thing you can do for your retirement!