For example, if you have limited money and you’re in your twenties, you’d probably want to buy the stock funds first so you could get their compounding power, whereas you could wait until you’re older and have more money to buy the bond funds to mitigate your risk.

There’s nothing wrong with investing in the entrepreneurs of the world, as long as you know what you’re getting into. A profitability matrix can help you separate your long shots from your core holdings.