[cowls]

Agree, it seems like a pretty straight forward approach.

Having said that, one year out of university is a good time to take as much risk as you like so its not too important at that stage.

It may even help motivate if you know you will benefit financially if your company does well

[jklein11]

Diversification is the only free lunch in investing.[1] You can keep your level of risk the same while reducing your exposure to other risks.

[1]http://www.quanthome.com/index.php?option=com_content&view=a...