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How many stocks should I have in a portfolio?

Today I'm gonna address this question...

Hi, welcome to the #AskDrWealth series!

We run a lot of investor education and

we receive a lot of questions from the students.

One of the most popular questions of all is;

How many stocks should I have in a portfolio?

So today I'm going to address this question.

I'm Alvin, the founder of Dr Wealth.

So let's begin now.

Let's imagine there's 2 person:

Investor A and investor B all right

say investor A only have five stocks

in his portfolio,

while investor B has 30 stocks.

So you can say one is more concentrated while

B's portfolio is a lot more diversified.

And imagine they equally weight their portfolio

so which means,

for A, each stock represents about 20% of the portfolio

and B is about 3% okay?

So in this case right...

a lot of people would think that

having 5 stocks is better than

having 30 stocks...

because having 5 stocks means

you have less stocks to monitor,

you require less effort to do so.

But actually we beg to defer because

for A,

in this instant is that,

let's say one of the stock goes terribly wrong and

say it's a fraud...

so the stock goes to zero.

What happens is that...

A would actually stand to lose 20% on this portfolio

while if, B has the same exact stock as A,

which turn out to be a fraud,

and goes to zero,

he will only lose 3%.

Which means for A,

it is a very unforgiving portfolio.

So which means A would have to

technically do a lot more work

to ensure that the stock picks are very correct

else he's gonna suffer major losses.

For a concentrated portfolio,

actually one has to do more work

then a diversified portfolio.

So that's point #1.

And for point #2,

is that there are advantages for concentrated portfolio.

And now let's explain that.

Let's say, we draw a time series here.

The vertical axis being the "amount of profits"

or "portfolio value".

And here is the time series.

Let's say, the zero point is here.

So you can either make money

or you can lose money in your portfolio

as time goes by.

So for example,

on the concentrated portfolio,

you can see that the growth

can be very fast on the upside

and it can also be very bad on the downside.

Let's use 'green' for a diversified portfolio.

So let's say you start from the same point,

you don't expect the growth for the portfolio to be

as good as a concentrated portfolio,

if they got the stocks correct.

Likewise, the downside is also lesser,

if they get things wrong along the way.

So which means the diversified portfolio

you have lower downside

which we have mentioned previously in point #1,

but it also have lesser upside,

compared to a concentrated portfolio, in this case.

So in other words, if let's say you are someone who

is willing to go for higher returns,

you need to be able to stomach greater risk.

Wssentially that's what is trying to say.

So it depends on how you want to see it.

I would say that if you're an experienced investor,

it makes sense to do a concentrated portfolio.

But if you are a beginner,

you should be doing a diversified portfolio

it goes back to point #1,

that it is a more forgiving portfolio

if you diversify your stocks,

while it is more unforgiving

if you concentrate your position.

So I would say, if you want to

be a good investor,

you can aim for a concentrated portfolio.

And if you're beginner,

go for a diversified portfolio.

And the next question that we usually get is

How many stocks is considered as 'diversified'?

So research has found that golden number is

actually 15!

If you have 15 stocks in different sectors and industries,

you would have reduce your unsystematic risk

or in other words stock picking risk,

by 90%!

So anything above 15,

you have marginal benefits of diversification.

If you are starting out,

and you want to buy stocks,

I think you should have minimally 15 stocks

in your portfolio for start.

So that's my answer to this question.

I hope that you have a greater understanding on portfolio diversification.

For more infomation >> How Many Stocks Should I Have In My Portfolio | #AskDrWealth - Duration: 4:48.

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"How many of you can think of marrying a person with disability?" | Manju Sharma | kanthari TALKS - Duration: 9:46.

For more infomation >> "How many of you can think of marrying a person with disability?" | Manju Sharma | kanthari TALKS - Duration: 9:46.

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How Many Bananas Would You Have to Eat in Order to Die from Radiation? - Duration: 5:36.

Too much of a good thing can be bad for us.

Water, which we need to consume on a regular basis if we want to survive, could be our

downfall if we imbibe too much of the stuff.

Yes, you can literally drink yourself to death.

This is known as "water intoxication" and it happens more often than you might think.

Plenty of natural foods can pose a danger if we consume too much of them, and especially

if we haven't cooked them.

While there are lots of poisonous mushrooms out there, famed mycologist Paul Stamets warns

us about eating too many mushrooms that haven't been cooked well.

We know that some fruit pits can be bad, or that too many potatoes of a certain kind can

cause havoc, but today we'll concentrate on our little yellow friend, in this episode

of the Infographics Show, How many Bananas would you have to eat in order to Die from

Radiation?

Don't forget to subscribe and click the bell button so that you can be part of our

Notification Squad.

Word Atlas tells us that the most popular fruit in the world is the tomato.

Yes, we know most people regard this red beauty – pronounced "to-MAH-to" in the UK – as

a vegetable, but technically it's a fruit.

The Oxford English dictionary tells us we get it mixed up because it's generally used

for cooking in savory dishes.

Anyway, World Atlas explains that the second most eaten fruit across the world is the banana.

There is hardly a place where it isn't enjoyed, with the annual consumption being about 114.13

million metric tons.

The United Nations Food and Agriculture Organization also tells us bananas are the most widely

consumed fruit, with exports in 2014 amounting to almost $11 billion.

In third place was watermelon and then apples.

According to 'The Packer 2017 Fresh Trends' report, bananas were the most eaten fruit

in the USA, but then it had tomatoes as the most consumed vegetable, not fruit.

Right, so we know most people are fond of eating bananas.

Now to the point, how bad can they be for you?

Well, you might already know that eating too many of them can give you a stomachache.

Generally, they shouldn't, but if you are eating bananas that are not very ripe, the

amount of starch in the banana can cause gas, just like all starchy foods can.

Health websites also say some people are simply banana intolerant, and that is why certain

people feel abdominal pain when they eat them.

You can handle the stomach pain, but can too many bananas kill you?

The BBC, usually regarded as a quality source of news, asked a seemingly ridiculous question

in 2015.

That was, "Can eating more than six bananas at once kill you?"

The BBC points out that this question became popularized after it was brought up by UK

television celebrity Karl Pilkington when talking with Ricky Gervais and Stephen Merchant.

While the latter two write and perform comedy, the former is better known for his absurd

and sometimes short sighted worldview.

Nonetheless, Pilkington was actually on to something.

While the body needs potassium, too much potassium can be bad for us.

Pilkington believed that potassium was the problem, but a scientist in the BBC report

stated that you'd have to eat about 400 bananas a day for anything slightly bad to

happen, and that 6 a day is actually good for you.

Snopes also picked up on this, and asked a scientist if there is an unhealthy number

of bananas one could eat in one sitting that might cause banana overdose.

They said that indeed 18 grams of potassium ingested quickly could be dangerous for the

kidneys, but that would mean someone gouging on around 42 bananas in one sitting.

Nobody would do that, and we suggest you don't try.

But bananas pose another danger, in a way.

They are radioactive.

There is naturally occurring radioactive isotopes in the fruit and that's why we have something

called the "Banana equivalent dose (BED)."

This has been used to measure radiation in the body.

Bananas do contain radioactive isotopes, so much so that they have been known to set-off

radiation sensors used at US ports where smuggling of nuclear materials could occur.

According to another BBC report on the radiation-banana issue, "The standard measure of the biological

effect of radiation is the Sievert."

But that's a massive dose, and a banana only contains about one tenth of a millionth

of that.

But you can still measure radiation doses in bananas.

Sounds crazy, eh, and why would anyone do that?

Well, mostly because it's a nice way of checking how much radiation one is exposed

to.

You could use a banana to check radiation levels in the body compared to other food

sources close to a site where it's thought foods may have been contaminated with radiation,

such as milk.

Still, critics of the measurement have said this doesn't take into account how much

of the banana-radiation is absorbed by the body after it's eaten.

In fact, experts say your body will just get rid of the excess radioactive isotope, Potassium-40.

But, could you still die from radiation poisoning if you ate an incredibly large number of bananas?

Ramzi Amri, a Postdoctoral Fellow at Harvard Med/Mass General Surgical Oncology, tried

to answer that question.

His answer, "Yes, you will certainly die from radiation poisoning if you are able to

eat 10 million bananas at once."

He also said that if you ate 274 bananas a day for seven years you'd have chronic symptoms.

This would naturally be impossible, and if you tried it, is likely that your stomach

would rupture well before radiation was any kind of threat.

There have never been any cases of radiation poisoning from eating too many bananas.

On the other hand, we suggest you don't eat a mountain of apple seeds lest you become

the victim of cyanide toxicity.

You'd also have to grind the pits up in your teeth to make them effective.

Cherry, peach, and apricot pits can also cause us harm, so watch out for them.

The UK's Independent reported in 2017 that a father of three almost died in the hospital

after he decided to try the pits in the cherries he was eating.

The young man wasn't aware of the possibility of cyanide poisoning.

He ate three pits in all.

He told the press after eating the first one he decided they were actually very tasty,

and so had another two pits.

"It tasted similar to an almond but with a cherry flavor to it.

I didn't think anything of it, just thought it was a seed, so I ate it and continued to

eat more of it," the man told the press.

He then started to burn up and feel rather unwell.

He was then rushed to hospital.

Bananas, it seems, are the least of our fruit-based worries.

We'll leave it on that note.

Have you ever felt unwell from eating too much fruit?

Let us know in the comments!

Also, be sure to check out our other video called What If You Only Drank Coke and Nothing

Else!

Thanks for watching, and, as always, don't forget to like, share, and subscribe.

See you next time!

For more infomation >> How Many Bananas Would You Have to Eat in Order to Die from Radiation? - Duration: 5:36.

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Top 10 Breathtaking Attractions In Bali – How Many Have You Visited? - Duration: 6:17.

Top 10 Breathtaking Attractions in Bali – How many have you visited?

If you've been following Instagram travel accounts, you'll realize that almost everyone

seems to be heading to Bali!

It's definitely no surprise that the beautiful island attracts hundreds of tourists from

around the world, as it's complete with breathtaking beaches, historic monuments and

jaw-dropping sceneries.

Here's the list of top 10 breathtaking attractions in Bali.

10.

Pura Ulun Danu Bratan A perfect photo opportunity, Pura Ulun Danu

Bratan is known as Bali's 'Temple by the Lake'.

Bali's sceneries are quite dramatic and the view from this temple is no exception.

Elegantly nestled on the banks of Lake Bratan, this temple was constructed in 1633 and usually

used in a ceremonial offering to Dewi Danu; the water, river and lake goddess.

Don't forget your camera before your visit!

9.

Sekumpul Waterfall Located in the northern region of Bali, Sekumpul

Waterfall comprises of 7 waterfalls and is known to be the most beautiful on the island.

On your hike to these falls, you'll come across rice terraces, local villages and much

more.

Take a dip in each of these falls, and don't forget to bring your camera along!

See also world's most amazing waterfalls.

8.

Mount Batur Hike up the breathtaking Mount Batur and watch

the sun peek through the clouds with a view of the mountain silhouettes.

Mount Batur is an active volcano in the Kintamani District of Bali.

A guided trek up the mountain will also include a scrumptious picnic breakfast with eggs cooked

over the volcano's steam!

The striking views at the peak will leave you completely speechless!

Hikers are requested to wear appropriate hiking clothes and shoes.

If you're staying at a Seminyak hotel in Bali, check whether guided hiking tours to

Mount Batur are offered.

7.

Uluwatu Temple The most iconic temple in Bali is the Uluwatu

Temple.

Definitely featured on these aforementioned travel accounts of Instagram, this temple

is the star of Bali.

Set on the edge of a majestic cliff, approximately 70 metres over the mesmerizingly blue Indian

Ocean, the Uluwatu Temple is definitely one of the most breathtaking attractions that

you should visit.

The view of the sunset from the temple is said to be simply stunning and comes highly

recommended by anyone, especially if you're staying at an accommodation such as Anantara

Seminyak Bali Resort.

Uluwatu temple is located on the Bukit Peninsula and is often referred to as Pura Luhur Uluwatu.

6.

Pura Luhur Lempuyang Pura Luhur Lempuyang is known to be Bali's

oldest, most sacred and largest Hindu temple.

Perched at the summit of Mount Lempuyang or also known as Bisbis Hill, you will have to

climb approximately 1,700 steps to reach the temple, where you'll be blessed with a mesmerizing

view of the surrounding valleys, a volcano and the ocean.

5.

Tanah Lot Temple Tanah Lot Temple is Bali's offshore temple

which allows only Balinese devotees inside its premises.

However, tourists are more than welcome to admire its gorgeous surroundings and get a

majestic view of the sunset!

Restoration of this iconic temple was carried after the constant thrashing of waves threatened

to erode the beauty of the temple in 1980.

Parts of the rock that the temple sits on are actually made of artificial rock.

4.

Jatiluwih or Tegallalang Rice Terraces Another place that can easily be classified

as Bali's breathtaking attractions, are the rice terraces of Tehallalang or Jatiluwih.

Cycle through these pathways or enjoy a stroll as you take in the beauty of these rice crops.

A great and recommended way to take in the beauty of these terraces is to enjoy a meal

or a coffee from any of the restaurants and cafes located in the area.

The rice terraces of Jatiluwih cover an area of over 600 hectares and are comparatively

less crowded than Tegallalang.

3.

Goa Gajah Goa Gajah, or more commonly named The Elephant

Cave, has been in use since the 8th century as a retreat for Buddhist monks and Shiviite

priests.

Goa Gajah is significant because the entrance of the cave is marked by the meeting of the

Petanu River and Kali Pangkung River, which in Balinese, is meant to be magical and sacred.

Despite its name, you, unfortunately, won't be seeing any wild elephants around!

With intricately carved stones, pools and charming courtyards, Goa Gajah offers its

visitors plenty of photo opportunities – so get cracking and update your Instagram feed!

2.

Nusa Islands There's nothing that makes Bali more special,

than its dazzling sunny beaches.

Walk barefoot along the warm golden shores of these beaches or jump into the refreshingly

cool waters of the Indian Ocean!

The Nusa Islands comprising of Nusa Lembongan, Nusa Ceningan and Nusa Penida are located

in close proximity to each other and are well worth a trip!

If you're interested in surfing, diving, snorkelling and kayaking, the first island

is the best bet, where you'll also be able to visit the island top attractions from Mushroom

Bay and Dream