The Importance of Diversification - GenFi Ministries


   4070 27th Ct SE, Salem, OR 97302

The Importance of Diversification

August 4, 2026
Invest & Retire, Uncategorized
1 min read

A GenFi Ministries 403(b) retirement plan is just one of the many ways you can steward what God has entrusted to you. But how you invest those funds matters just as much as how much you save. Diversification is one way you can steward that plan wisely and protect your long-term investment strategy.

What is “diversification”?

Diversification means spreading your contributions across different types of investments.

What if I don’t diversify my investments?

Holding your funds in just one investment means you are exposed to the performance of only one segment of the market, which can increase risk and decrease your long-term returns. Diversification can help prevent a market swing in one sector from derailing the retirement you’ve worked so hard to build.

What are the benefits of diversification?

  • Help smooth out the fluctuations in returns over time
  • Reduce the short-term impact of a poorly performing investment
  • Lower overall volatility of the total portfolio
  • Increase your chances of achieving your long-term retirement target

Our 403(b) retirement plan offers a wide range of investment options, so you can diversify your portfolio.

  • The GenFi Ministries Vision Fund provides a specified interest rate return (evaluated quarterly) and helps to fund Assemblies of God church loans.
  • A variety of mutual funds are available at GenFi Ministries through our mutual funds provider, Envoy Advisory. Our mutual funds are evaluated for performance, risk management, and cost to help you build a portfolio around your retirement savings goals.

Our investment options are broken down into categories, including large-cap, small-cap, income, and target-date funds. Some funds may have an additional focus, such as international investing or biblically responsible investing. To avoid a concentrated position, a portfolio can be built with a range of mutual funds, the GenFi Ministries Vision Fund, and/or target-date funds.

Diversifying your portfolio is one small step you can take to better steward your resources. Consider scheduling a conversation with your personal investment advisor to review your retirement account investments and identify potential diversification opportunities. 

This article was posted by Ryan Kropf on behalf of Darren Mullenix, who authored the article.

The information contained in this article is for educational purposes only and is not to be considered investment advice. For investment advice related to your specific account, please contact your personal financial professional. 

Learn more about church accounting

Thank you for your interest in a church accounting plan. Someone from our team will contact you within 1-2 business days. Please feel free to contact our office (800-821-1112) if you have any questions in the meantime.

A GenFi Ministries 403(b) retirement plan is just one of the many ways you can steward what God has entrusted to you. But how you invest those funds matters just as much as how much you save. Diversification is one way you can steward that plan wisely and protect your long-term investment strategy.

What is “diversification”?

Diversification means spreading your contributions across different types of investments.

What if I don’t diversify my investments?

Holding your funds in just one investment means you are exposed to the performance of only one segment of the market, which can increase risk and decrease your long-term returns. Diversification can help prevent a market swing in one sector from derailing the retirement you’ve worked so hard to build.

What are the benefits of diversification?

  • Help smooth out the fluctuations in returns over time
  • Reduce the short-term impact of a poorly performing investment
  • Lower overall volatility of the total portfolio
  • Increase your chances of achieving your long-term retirement target

Our 403(b) retirement plan offers a wide range of investment options, so you can diversify your portfolio.

  • The GenFi Ministries Vision Fund provides a specified interest rate return (evaluated quarterly) and helps to fund Assemblies of God church loans.
  • A variety of mutual funds are available at GenFi Ministries through our mutual funds provider, Envoy Advisory. Our mutual funds are evaluated for performance, risk management, and cost to help you build a portfolio around your retirement savings goals.

Our investment options are broken down into categories, including large-cap, small-cap, income, and target-date funds. Some funds may have an additional focus, such as international investing or biblically responsible investing. To avoid a concentrated position, a portfolio can be built with a range of mutual funds, the GenFi Ministries Vision Fund, and/or target-date funds.

Diversifying your portfolio is one small step you can take to better steward your resources. Consider scheduling a conversation with your personal investment advisor to review your retirement account investments and identify potential diversification opportunities. 

This article was posted by Ryan Kropf on behalf of Darren Mullenix, who authored the article.

The information contained in this article is for educational purposes only and is not to be considered investment advice. For investment advice related to your specific account, please contact your personal financial professional. 

A GenFi Ministries 403(b) retirement plan is just one of the many ways you can steward what God has entrusted to you. But how you invest those funds matters just as much as how much you save. Diversification is one way you can steward that plan wisely and protect your long-term investment strategy.

What is “diversification”?

Diversification means spreading your contributions across different types of investments.

What if I don’t diversify my investments?

Holding your funds in just one investment means you are exposed to the performance of only one segment of the market, which can increase risk and decrease your long-term returns. Diversification can help prevent a market swing in one sector from derailing the retirement you’ve worked so hard to build.

What are the benefits of diversification?

  • Help smooth out the fluctuations in returns over time
  • Reduce the short-term impact of a poorly performing investment
  • Lower overall volatility of the total portfolio
  • Increase your chances of achieving your long-term retirement target

Our 403(b) retirement plan offers a wide range of investment options, so you can diversify your portfolio.

  • The GenFi Ministries Vision Fund provides a specified interest rate return (evaluated quarterly) and helps to fund Assemblies of God church loans.
  • A variety of mutual funds are available at GenFi Ministries through our mutual funds provider, Envoy Advisory. Our mutual funds are evaluated for performance, risk management, and cost to help you build a portfolio around your retirement savings goals.

Our investment options are broken down into categories, including large-cap, small-cap, income, and target-date funds. Some funds may have an additional focus, such as international investing or biblically responsible investing. To avoid a concentrated position, a portfolio can be built with a range of mutual funds, the GenFi Ministries Vision Fund, and/or target-date funds.

Diversifying your portfolio is one small step you can take to better steward your resources. Consider scheduling a conversation with your personal investment advisor to review your retirement account investments and identify potential diversification opportunities. 

This article was posted by Ryan Kropf on behalf of Darren Mullenix, who authored the article.

The information contained in this article is for educational purposes only and is not to be considered investment advice. For investment advice related to your specific account, please contact your personal financial professional. 

Please submit this form to begin the process of opening an ESA with GenFi Ministries.

Thank you for your interest in our IRAs. Once you submit this form, an Investor Specialist will be in contact with you within 2 business days. Please feel free to contact our office (800-821-1112) if you have any questions in the meantime.

Please submit this form to begin the process of opening an ESA with GenFi Ministries.

Thank you for your interest in our IRAs. Once you submit this form, an Investor Specialist will be in contact with you within 2 business days. Please feel free to contact our office (800-821-1112) if you have any questions in the meantime.

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