Dateline: your earning years. Do you have a financial advisor? Do you want to step off the income treadmill? Speed up your retirement? I wrote about this a couple years ago but market conditions merit a revisit. The primary investment vehicles: mutual funds, financial advisors, 401s, IRAs, ETFs etc rely on 'diversification.' Are you paying 1.5% annually to be told to park your money into (yawn) mutual funds (snore)? Pros & amateur investors alike declare 'you gotta diversify.' Here's the definition of investment diversification they don't know or won't tell you: Diversification is selling the winners to buy the losers. Or more expanded, via Seeking Alpha: Another drawback of investing in ETFs is that many of these funds hold positions in hundreds of individual stocks, resulting in a phenomenon known as "diworsification," a play on the word diversification. Diworsification occurs when investors pursue diversification for the sake of diversif...