{"id":9355,"date":"2022-10-10T15:39:38","date_gmt":"2022-10-10T14:39:38","guid":{"rendered":"https:\/\/cowrywise.com\/blog\/?p=9355"},"modified":"2023-03-12T14:15:01","modified_gmt":"2023-03-12T13:15:01","slug":"too-many-mutual-funds","status":"publish","type":"post","link":"https:\/\/cowrywise.com\/blog\/too-many-mutual-funds\/","title":{"rendered":"Can You Have Too Many Mutual Funds?"},"content":{"rendered":"\n<p>You must have heard this popular saying: <strong>&#8220;<em>too much of anything is bad<\/em><\/strong>&#8220;. Well, it also applies to investment choices.&nbsp;<\/p>\n\n\n\n<p>If you\u2019re an investor that likes to follow every new mutual fund that gets introduced to the market, you will soon discover that you have purchased too many for profitability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How many mutual funds are too many?<\/h2>\n\n\n\n<p>There is no right or wrong number; one should only have a decent amount of mutual funds. Investing in a few mutual funds creates opportunities for a diversified portfolio, better risk management, and wealth creation.&nbsp;<\/p>\n\n\n\n<p>However, you will know that you have too many when additional mutual funds do not add any benefit to your current portfolio but instead decreases expected returns.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What can you do to avoid too many mutual funds?&nbsp;<\/h2>\n\n\n\n<p>Try out other investment options like <a href=\"https:\/\/cowrywise.com\/blog\/mutual-funds-vs-stocks\/\">stocks<\/a>, <a href=\"https:\/\/cowrywise.com\/blog\/index-fund\/\">index funds<\/a>, and <a href=\"https:\/\/cowrywise.com\/blog\/what-is-an-etf\/\">ETFs<\/a>. These will make your portfolio richer and fuller rather than investing in multiple mutual funds, especially of the same nature.&nbsp;<\/p>\n\n\n\n<p>If you are new to investing and are trying to play it safe, look for the right mix of funds to help you maintain a strong balance without worrying about losses.&nbsp;<\/p>\n\n\n\n<p>Understanding your risk tolerance, financial goals, and if you want passive or active management will inform your decisions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why holding too many mutual funds is bad for you<\/h2>\n\n\n\n<p>When you have too many funds of the exact nature and objectives, you\u2019re actually just creating an index fund but a more expensive one. It becomes difficult to generate returns because the low-return funds already negate the profit made in the portfolio.<\/p>\n\n\n\n<p>It also makes monitoring hard. As the number of funds increases, it can get time-consuming and difficult to review your portfolio performance, especially with underperforming investments.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bottom line<\/h2>\n\n\n\n<p>With mutual funds, there\u2019s such a thing as \u201ctoo diverse\u201d. As much as there is no perfect number of funds you must have in your portfolio, there is a right strategy depending on your financial goals and preferences.&nbsp;<\/p>\n\n\n\n<p>The best way to not fall into the trap of <a href=\"https:\/\/cowrywise.com\/blog\/portfolio-diversification\/#avoid\">over-diversification<\/a> is to seek financial advice from reliable experts. Based on your objectives and risk tolerance, they can provide valuable tips on the adequate diversification that works for you.<\/p>\n\n\n\n<p class=\"has-large-font-size\"><strong>LEARN MORE<\/strong><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><a href=\"https:\/\/cowrywise.com\/blog\/mutual-funds-for-beginners\/\">Mutual Funds for Beginners<\/a><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><a href=\"https:\/\/cowrywise.com\/blog\/portfolio-diversification\/\">Diversification in Investing<\/a><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><a href=\"https:\/\/cowrywise.com\/blog\/mutual-funds-and-index-funds\/\">Mutual Funds and Index Funds: What Is The Difference?<\/a><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><a href=\"https:\/\/cowrywise.com\/blog\/new-mutual-funds-on-cowrywise\/\">9 New Mutual Funds on Cowrywise<\/a><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><a href=\"https:\/\/cowrywise.com\/blog\/case-study-of-2008-financial-crisis\/\">The Impact of Diversification on Portfolio Performance: A Case Study of The 2008 Financial Crisis<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You must have heard this popular saying: &#8220;too much of anything is bad&#8220;. Well, it also applies to investment choices.&nbsp; If you\u2019re&#8230;<\/p>\n","protected":false},"author":24,"featured_media":9357,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[134,135],"tags":[],"coauthors":[472],"class_list":{"0":"post-9355","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-money-guides-and-tips","8":"category-investment-tips"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can You Have Too Many Mutual Funds? - Cowrywise Blog<\/title>\n<meta name=\"description\" content=\"There&#039;s such a thing as too diverse or too many mutual funds. To avoid this, your investing strategy has to be based on your own objectives and risk tolerance\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cowrywise.com\/blog\/too-many-mutual-funds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can You Have Too Many Mutual Funds? - Cowrywise Blog\" \/>\n<meta property=\"og:description\" content=\"There&#039;s such a thing as too diverse or too many mutual funds. To avoid this, your investing strategy has to be based on your own objectives and risk tolerance\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cowrywise.com\/blog\/too-many-mutual-funds\/\" \/>\n<meta property=\"og:site_name\" content=\"Cowrywise Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/cowrywise\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-10T14:39:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-03-12T13:15:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/10\/Too-Many-Mutual-Funds.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Felix Akinnibi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@cowrywise\" \/>\n<meta name=\"twitter:site\" content=\"@cowrywise\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Felix Akinnibi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/cowrywise.com\/blog\/too-many-mutual-funds\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/too-many-mutual-funds\/\"},\"author\":{\"name\":\"Felix Akinnibi\",\"@id\":\"https:\/\/cowrywise.com\/blog\/#\/schema\/person\/9e2140658d41d6f50179d005440984f4\"},\"headline\":\"Can You Have Too Many Mutual Funds?\",\"datePublished\":\"2022-10-10T14:39:38+00:00\",\"dateModified\":\"2023-03-12T13:15:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/too-many-mutual-funds\/\"},\"wordCount\":420,\"commentCount\":3,\"publisher\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/too-many-mutual-funds\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/10\/Too-Many-Mutual-Funds.png\",\"articleSection\":[\"Guides\",\"Investing\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/cowrywise.com\/blog\/too-many-mutual-funds\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/cowrywise.com\/blog\/too-many-mutual-funds\/\",\"url\":\"https:\/\/cowrywise.com\/blog\/too-many-mutual-funds\/\",\"name\":\"Can You Have Too Many Mutual Funds? - Cowrywise Blog\",\"isPartOf\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/too-many-mutual-funds\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/too-many-mutual-funds\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/10\/Too-Many-Mutual-Funds.png\",\"datePublished\":\"2022-10-10T14:39:38+00:00\",\"dateModified\":\"2023-03-12T13:15:01+00:00\",\"description\":\"There's such a thing as too diverse or too many mutual funds. 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