"My personal risk I see more in a concentration in one investment. But is this irrational..."
Well, I can't agree there, tannersfriend. The concentration in one investment is a very rational and very real risk and one that everyone should keep firmly in mind. The way I look at things is one should have no more than 10% of their net worth in one passive investment. Now, if your net worth is not large and you're young, then you are better able to take a chance.