According to experts, the average investor significantly underperforms the market. Find out what mistakes to avoid on the first segment of MoneyMD. Then, deciding how much of your portfolio should be allocated to stocks versus bonds is only the first step toward good portfolio diversification. Tune in to MoneyMD to learn how to further refine your mix and aim for a higher return. And finally, New Jersey is one of many states that is bleeding money from its state pension plan because of a double-dipping loophole. Listen to the Money Doctors to hear their diagnosis of this widespread problem.