You might not have noticed the seismic shift in your world last week, but something big happened that could make the last 40 years or so of your life a lot less stressful. After years of battling, arguing, and dithering, a new law went into effect that prohibits your financial advisor from trying to sell you on all sorts of expensive nonsense in your retirement account.

In his post this morning, investment professional Ben Carlson writes, "Investors with a truly diversified portfolio are always going to hate something that they own." I love this sentence. It's absolutely true —and not by chance. Diversifying a portfolio means actually planning to have some crappy investment in place at all times.