Are You Diversified?
Take the Smart Investor Challenge

Asset Variety

1. How many different asset classes do you invest in?

4+ (stocks, bonds, real estate, private lending, etc.)
2-3 asset classes
Mostly one asset class

Asset Variety

2. What percentage of your portfolio is in public vs. private investments?

90%+ public, almost no private investments
70-89% public, 11-30% private
50-69% public, 31-50% private
30-49% public, 51-70% private
Less than 30% public, 70%+ private
100% private, no public markets exposure

Risk Correlation

3. Do most of your investments lose value when the stock market drops?

No, they move independently
Some do, some don’t
Yes, nearly all

Risk Correlation

4. Are your investments concentrated in one sector (e.g., tech, real estate, energy)?

I am widely diversified across sectors
I have some spread across sectors
Yes, mostly one sector

Liquidity & Cash Flow

5. How quickly can you access most of your investments without penalties?

Instantly (Cash, Stocks, etc.)
Within 1-12 months (Bonds, REITs, Short-term Notes, etc.)
More than a year (Private Real Estate, Syndications, Long-term Bonds, etc.)

Liquidity & Cash Flow

6. How much of your portfolio provides regular cash flow?

More than 50%
Between 10% and 50%
Less than 10%

Market Exposure

7. If interest rates rise, how much does it affect your portfolio?

Not much – I have diversified assets.
Somewhat – a few assets are sensitive.
A lot – my portfolio is highly rate-sensitive.

Market Exposure

8. Do you own investments that are not tied to the stock market?

Yes, I have non-public assets.
Some, but mostly stock-related.
No, all my investments move with the market

Alternative Investments

9. Do you invest in private businesses, startups, or venture capital?

Yes, I actively invest in private companies.
Somewhat, but it’s a small portion.
No, I only invest in public markets.

Alternative Investments

10. How much of your portfolio is in cryptocurrency or blockchain investments?

1%-10% – I have some exposure
More than 10%
None – I don’t invest in crypto

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Retoro Capital Investments LLC