The Biggest IRA Blind Spot

What you will take away

• Why a portfolio that feels balanced can still be far from an appropriate target
• How to spot two funds that hold nearly the same companies
• How to turn an expense ratio into annual dollars on your own balance
• How concentration builds up quietly in a retirement account
• Exactly what the free report shows and what Premium adds

The session, in order

1. Part 1

   The Biggest IRA Blind Spot

   Most IRA owners can name their funds but cannot say what those funds actually hold. That gap is where risk hides.

2. Part 2

   Allocation mismatch

   Why a portfolio that felt balanced can drift far from a target model appropriate for your horizon — and how to read the difference in percentage points.

3. Part 3

   Overlap you cannot see

   Three funds can hold nearly the same companies. Looking at underlying holdings shows duplication that fund names hide.

4. Part 4

   What fees really cost

   Translating expense ratios into annual dollars on your own balance, and separating fund costs from advice costs.

5. Part 5

   Concentration and single-name risk

   How a small number of positions can quietly dominate an IRA, and what a concentration reading is telling you.

6. Part 6

   What Premium reveals

   The full holdings table, fund-family exposure, overlap pairs and finding detail that the free report summarizes.