今天和一位客户review, 他计划今年底退休；........这位客户对以前多年的回报一直很满意；但觉得今年比市场低而且投资产品很是分散；经过一番仔细研究，他总结“我明白了，年轻时要攻，也经得起分险，所以你选股比较大胆；去年我们决定了退休时间，你就转向守；宁不赚钱决不亏钱，守比攻难；你的策略靠分散产品来减小风险"

精辟！！能把客户练成此段，我是不是应该很自豪！

Buffet的一段话

"Diversification may preserve wealth, but concentration builds wealth".

"Diversification is protection against ignorance, it makes little sense for those who know what they are doing.”

一位网友的添油加醋 - If you don't know what you are doing, concentration can destroy wealth much faster. 

Diversification is great for passive investment. Active participation, real estate or trading, turns passive investment into actively running a business essentially.