<h1>Why You Need to Build a Simple Portfolio and Rebalance Once a Year</h1>
<p>I'm Tyler, a former financial advisor and portfolio manager, and now I create financial content for free so you don't have to pay for it.</p>

<h2>1. Complexity is Often a Mask for Boredom</h2>
<p>Complexity looks smart, but usually, it means you're just bored and overthinking your investments.</p>

<h2>2. A Few Funds Cover the Spectrum</h2>
<p>Just three to five funds can cover the entire world of investments. This approach avoids clutter and cocktail party bravado.</p>

<h2>3. Rebalance Once a Year</h2>
<p>Pick a date—your birthday, New Year, or any holiday—and rebalance once a year. If your portfolio needs weekly check-ins, it's not investing; it's a need for control disguised as productivity.</p>

<h2>Conclusion</h2>
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