A concise, rules-based playbook for pre-retirees and retirees who are wondering if a traditional “set-it-and-forget-it” portfolio is truly the only option.
A concise digital guide for affluent pre-retirees and retirees who want to understand a straightforward, rules-based, ETF-focused framework for thinking about diversification in a more adaptive way.
Your access includes:
Today’s price:
Delivered instantly via secure digital download.
Secure checkout. Educational content only.
The Anti-Diversification Playbook introduces a simple, adaptive way of thinking: still diversified, but with a clear, rules-based process that is reviewed once a month instead of left on autopilot.
You diversified. You own a mix of stocks and bonds. Maybe some international exposure. Maybe a target-date or balanced fund. On paper, it looks sensible.
The challenge is that traditional diversification is often static. Allocations are set, maybe rebalanced occasionally, but the underlying mix does not meaningfully adjust as market conditions change.
The Anti-Diversification Playbook is an educational guide that explores a different, more adaptive framework using just six widely available ETFs and a monthly review that can typically be done in about 15 minutes.
Price: $17 one-time, instant digital access.
Educational resource. Not investment advice.
Traditional diversification assumes that different asset classes and sectors will often move differently. In certain periods, that has historically helped soften the impact of market declines.
But markets do not stand still. Interest rate policies change. Leadership in the market rotates. Correlations between assets can rise or fall. Assets that once moved differently can, at times, move in the same direction together.
In these environments, a static mix of funds may not behave the way many investors expect. Drawdowns and volatility can still feel uncomfortable, especially for those who are close to or already in retirement and paying more attention to stability and sequence of returns risk.
The Anti-Diversification idea is not about abandoning diversification. It is about reconsidering how it is applied.
Rather than setting a mix of assets and leaving it largely unchanged for years, this framework focuses on a small group of ETFs and a consistent, rules-based check-in each month to determine how that mix might be adjusted.
It is a shift from “hold this forever and hope it behaves” to “follow a simple process and allow the allocations to respond to changing conditions,” without turning investing into a full-time job.
The framework focuses on a small group of six widely accessible ETFs, each representing a distinct role inside the overall approach.
Once a month, you review the same small set of information and follow the same written rules so the allocation may adapt instead of remaining fixed.
Because the process is intentionally simple, many readers find that a typical month’s review can be completed in about 15 minutes once they understand the checklist.
The playbook does not require forecasting, predicting the next crash, or watching markets all day. It is simply about having a defined, rules-based routine instead of relying purely on hope and habit.
This is a short, focused guide created for financially experienced individuals who want clarity without being buried in academic theory or jargon.
The goal is not to turn you into a trader. It is to provide an educational, rules-based framework that may help you think differently about how your portfolio could respond to changing markets.
You will not find forecasts, guarantees, or promises. Instead, you get a clearly explained, historically informed way of thinking about how your diversification strategy might evolve as markets change.
Historically, different approaches to asset allocation have produced different paths — not only in terms of returns, but also in terms of how deep the temporary declines (drawdowns) felt and how bumpy the ride (volatility) appeared along the way.
Two portfolios with the same average return can feel very different when one experiences larger or more frequent drawdowns. For someone withdrawing from their accounts in retirement, that experience may matter just as much as the long-term average.
The Anti-Diversification Playbook walks through how a structured, rules-based approach has historically affected the pattern of returns and drawdowns in different types of market environments, without suggesting that any specific outcome is guaranteed in the future.
No day trading. No trying to guess the next headline. Just a concise checklist that explains how to review a handful of ETFs and consider whether any adjustments are appropriate based on the rules you’ve learned.
For many investors, simply seeing an example of a structured, adaptive process may change the way they view their existing “diversified” portfolio—whether they choose to adopt any of the ideas or not.
The Anti-Diversification Playbook is written for thoughtful investors who appreciate data, structure, and common sense—without hype.
Instant digital access • One-time payment of $17
The playbook is designed to be clear, practical, and worth far more than the $17 price. If, after reviewing it, you genuinely feel it did not add meaningful clarity to how you think about diversification and adaptive portfolios, you may request a refund within 30 days.
No complicated hoops. Just send a quick note and your purchase can be reversed as a courtesy.
Even if you ultimately decide not to adopt the framework, seeing a concrete example of a 6-ETF, rules-based, 15-minutes-a-month approach may give you new questions to ask and new ways to evaluate the strategies you are already using.
Important Disclaimer:
This material is for informational and educational purposes only and is not intended as individualized investment advice, tax advice, or a recommendation to buy or sell any security or strategy. The concepts discussed are general in nature and may not be appropriate for every investor. Past performance of any strategy or asset class is not indicative of future results, and no outcome is guaranteed. All investing involves risk, including the potential loss of principal. Before making any investment or portfolio decision, you should carefully consider your objectives, risk tolerance, time horizon, and consult with a qualified financial professional who understands your personal situation.