{"id":10932,"date":"2021-10-06T08:52:35","date_gmt":"2021-10-06T12:52:35","guid":{"rendered":"http:\/\/staging-prblog.paladinregistry.com\/blog\/?p=10932"},"modified":"2021-12-01T06:49:53","modified_gmt":"2021-12-01T11:49:53","slug":"build-an-investment-portfolio","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/","title":{"rendered":"How to Build an Investment Portfolio"},"content":{"rendered":"\n<p>An investment portfolio is a collection of financial products carefully chosen from different asset classes in proportions that suit the investor&#8217;s risk profile. This might include investments such as stocks, bonds, real estate, commodities, even hedge funds, and the new age asset class- cryptocurrency. By building an investment portfolio, investors aim to earn a sizable return on their capital by leveraging the risk-return potential of investments. Additionally, by diversifying their assets across different baskets, according to their financial goals and risk appetite, they are also minimizing the risks arising from the investments. Knowing what investments to consider while diversifying your portfolio can be challenging which is why <a href=\"https:\/\/www.paladinregistry.com\/landing\/find-financial-advisors?cta=match\">it is highly recommended to use the services of a financial advisor<\/a> for further assistance. <\/p>\n\n\n\n<p>In this article, we will discuss in-depth the\nmeaning of an investment portfolio, how to build a portfolio, various kinds of\nportfolios, and how one can position their investment portfolio to capture\nmaximum gains from the market. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f1ff39a0666\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f1ff39a0666\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#What_is_an_investment_portfolio\" title=\"What\nis an investment portfolio?\">What\nis an investment portfolio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#How_to_build_an_investment_portfolio\" title=\"How to build an investment portfolio\">How to build an investment portfolio<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#Step_1_Understand_your_current_financial_situation_and_assess_future_needs\" title=\"Step 1: Understand your current financial situation and assess future needs\">Step 1: Understand your current financial situation and assess future needs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#Step_2_Allocate_your_assets\" title=\"Step 2: Allocate your assets\">Step 2: Allocate your assets<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#Stocks\" title=\"Stocks:\">Stocks:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#Mutual_funds\" title=\"Mutual funds:\">Mutual funds:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#Bonds\" title=\"Bonds:\">Bonds:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#Cryptocurrency\" title=\"Cryptocurrency:\">Cryptocurrency:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#Step_3_Assign_weights_to_different_asset_classes\" title=\"Step 3: Assign weights to different asset classes\">Step 3: Assign weights to different asset classes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#%E2%80%93_The_aggressive_portfolio\" title=\"&#8211;\nThe aggressive portfolio:\">&#8211;\nThe aggressive portfolio:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#%E2%80%93_The_defensive_portfolio\" title=\"&#8211;\nThe defensive portfolio:\">&#8211;\nThe defensive portfolio:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#%E2%80%93_The_income_portfolio\" title=\"&#8211;\nThe income portfolio:\">&#8211;\nThe income portfolio:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#%E2%80%93_The_speculative_portfolio\" title=\"&#8211;\nThe speculative portfolio:\">&#8211;\nThe speculative portfolio:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#%E2%80%93_The_hybrid_portfolio\" title=\"&#8211;\nThe hybrid portfolio:\">&#8211;\nThe hybrid portfolio:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#Case_1_Someone_in_their_20s\" title=\"Case\n1: Someone in their 20s\">Case\n1: Someone in their 20s<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#Case_2_Middle-aged\" title=\"Case\n2: Middle-aged:\">Case\n2: Middle-aged:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#Case_3_Nearing_retirement\" title=\"Case\n3: Nearing retirement:\">Case\n3: Nearing retirement:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#How_to_improve_your_investment_portfolio\" title=\"How\nto improve your investment portfolio\">How\nto improve your investment portfolio<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#1_Diversify_your_investments\" title=\"1. Diversify your investments\">1. Diversify your investments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#2_Reinvest_your_dividends\" title=\"2. Reinvest your dividends\">2. Reinvest your dividends<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#3_Lower_your_portfolio_churn_rate\" title=\"3. Lower your portfolio churn rate:\">3. Lower your portfolio churn rate:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#4_Consult_a_financial_advisor\" title=\"4. Consult a financial advisor\">4. Consult a financial advisor<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#To_sum_it_up\" title=\"To\nsum it up\">To\nsum it up<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_an_investment_portfolio\"><\/span>What\nis an investment portfolio? <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>An investment portfolio is defined as an\namalgamation of asset classes that can include investment options such as\nequity, government bonds, mutual funds, real estate, and commodities, among\nothers. An investment portfolio is created with the expectation of generating\ngood returns as an alternate source of income. These returns are market-linked,\ndepending on the amount of exposure, and more often are directly proportional\nto the risks undertaken. The lower the risk you take, the lower your returns\nare; the higher the risk you take, the higher is the potential for rewards. <\/p>\n\n\n\n<p>When creating a portfolio, one of the most\nimportant things to consider is the risk profile one has and match it to the\nrisk involved in investing in the product. A risk profile is based on one\u2019s\nrisk appetite and risk tolerance. Risk appetite is the amount of risk you are\nwilling to take with the hope that higher results will stem from it. Risk\ntolerance refers to the propensity to bear losses in investments. <\/p>\n\n\n\n<p>Risk profile depends on factors such as age\nand income. For instance, someone in their 20s can take a higher degree of risk\nfor a potential reward as opposed to someone in their 50s who is nearing their\nretirement. <\/p>\n\n\n\n<p><a href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-your-investment-risk-profile\/\"><em>Read our article on\nUnderstanding Your Investment Risk Profile<\/em><\/a><a href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-your-investment-risk-profile\/\"><em> to understand the concept and\nits importance in successful portfolio creation.<\/em><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_build_an_investment_portfolio\"><\/span><strong>How to build an investment portfolio<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>We have broken down the process of how one can\nbuild their investment portfolio into a palatable 3-step guide.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_1_Understand_your_current_financial_situation_and_assess_future_needs\"><\/span><strong>Step 1: Understand your current financial situation and assess future needs <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It is vital to develop a deeper understanding\nof your financial situation and future goals when developing a portfolio. As\nmentioned earlier, someone in their early 20s with no dependents would have a\nvery different strategy in comparison to someone in their 50s with dependents.\nJot down your current sources of income, your expenditure, and future\nexpectations depending on the lifestyle you have and wish to have. It helps to\nbe realistic in setting SMART financial goals.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-to-set-short-medium-and-long-term-financial-goals\/\"><em>[See: <\/em><\/a><a href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-to-set-short-medium-and-long-term-financial-goals\/\"><em>How\nto Set Short, Medium, and Long-Term Financial Goals<\/em><\/a><a href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-to-set-short-medium-and-long-term-financial-goals\/\"><em>]<\/em><\/a><br>\n<br>\nPlan out your budget and personal finances to allow for savings from your\ncurrent income so that you may make suitable investments to generate passive\nincome from them. <\/p>\n\n\n\n<p>Next, figure out your investment strategy. It\nis important to recognize whether someone is a conservative investor (someone\nwho prefers value investing or safe and steady income) or an aggressive\ninvestor (prefers quick capital appreciation over safety or regularity of\nreturns). <\/p>\n\n\n\n<p>Completion of this step will determine which\nasset classes to opt for while allocating your funds. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_2_Allocate_your_assets\"><\/span><strong>Step 2: Allocate your assets<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The next step is to allocate your funds into\nvarious asset classes such as stocks, bonds, and cash and equivalents.\nDifferent asset classes offer different return and risk profiles. For instance:\nsomeone with a higher risk appetite will opt for asset classes such as stocks\nor cryptocurrency, which are volatile but also offer potential for higher\nreturns; whereas someone with a lower risk appetite will opt for asset classes\nsuch as fixed income where the risk is lower.<\/p>\n\n\n\n<p>Asset allocation is extremely useful because\nit helps an investor diversify their funds and subsequently reduce the inherent\nrisk involved. The market movement that might lead one asset class to produce\nexponential returns might also cause the performance of another asset class to\nbe sub-par. With proper asset allocation, an investor can offset market\nmovements against each other, producing a portfolio that is less prone to\nmarket volatility and movements. <\/p>\n\n\n\n<p><strong>Consider\nthe following assets when creating your investment portfolio:<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Stocks\"><\/span><strong>Stocks:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Consider factors such as market\ncapitalization, sector, management, and others while selecting the right stock\nfor your portfolio. It is important to fundamentally understand the operations\nof a company in order to determine the growth opportunities and risks involved\nin the process of investing in equity as an asset class. Selecting individual\nstocks is not an easy task and requires one to stay updated with the latest\nhappenings with the company and the prevailing market sentiment. Equity is\nknown to be the asset class with the highest risk factor but is also the\nestablished kingpin for wealth generation over the long term. Staying invested\nwithout being swayed by the market has historically made many millionaires.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mutual_funds\"><\/span><strong>Mutual funds:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Mutual funds provide diversification of\ninvestment within a single product. They allow individuals to hold an\namalgamation of stocks that are professionally picked, and the fund is managed\nby qualified fund managers. Index funds are a type of mutual fund that mirrors\nthe market index and are hence passively managed. These are good options to\nconsider, especially for an investor who is starting out in the equity market. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bonds\"><\/span><strong>Bonds:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When selecting bonds, factors such as maturity\nduration, the credit rating of the bond, interest rate, etc., must be\nconsidered. This is an ideal asset class for investors who seek to grow wealth\nover the long term alongside the protection of capital and not take on a lot of\nrisks. Bonds are less risky when compared to equity but also offer lower\nreturns. <s><\/s><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cryptocurrency\"><\/span><strong>Cryptocurrency:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Cryptocurrency is a new entrant to the asset\nclass status. The world is for now divided on the inclusion of digital coins in\ninvestment portfolios. However, it is imperative to bring up that there is\nincreasing acceptance of cryptocurrency and crypto markets across the globe,\nand many speculate and call it the &#8216;future of currency.&#8217; <\/p>\n\n\n\n<p><a href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/should-you-include-bitcoin-in-your-retirement-portfolio\/\"><em>[See: Should you Include Bitcoin\nin your Retirement Portfolio?]<\/em><\/a><em><\/em><\/p>\n\n\n\n<p>HNWIs and UHNWIs may also explore asset classes such as private equity and hedge funds that are high-risk investments and involve large upfront payments. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_3_Assign_weights_to_different_asset_classes\"><\/span><strong>Step 3: Assign weights to different asset classes <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It is important to take note of factors such\nas market volatility, investment horizon, and risk profile while allocating\nweights to different asset classes in your portfolio. &#8216;Weights&#8217; refers to the\npercentage of your investment portfolio that you will assign to each of your\nchosen asset classes. As and when changes are observed in these variables or\neven the market reaction, it is important to mold and rebalance the portfolio\nin accordance. <\/p>\n\n\n\n<p>For example: if one has started a family and\nhence the risk appetite has dropped, including more debt and less equity in the\nportfolio might be the right adjustment to make. Should you feel like you are\nat a phase in your life where you are comfortable taking on a higher risk, then\ngiving higher weightage to asset classes such as equity and cryptocurrency might\nbe a necessary move. <\/p>\n\n\n\n<p>It is important to keep rebalancing the\nweights assigned to different asset classes as and when the market or present\nconditions change. <\/p>\n\n\n\n<p>Types\nof the investment portfolios <\/p>\n\n\n\n<p>Even though an investment portfolio is unique\nto every individual, given below is the broad characterization of various kinds\nof portfolios. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%80%93_The_aggressive_portfolio\"><\/span><strong>&#8211;\nThe aggressive portfolio: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>An aggressive portfolio seeks exponential\nreturns and takes on high risks to achieve it. This portfolio generally has\nhigher exposure to equities than other asset classes. This is because equities\nhave the highest risk-return ratio and the potential for quick capital\nappreciation but at higher levels of risk exposure. The stocks within the\nequity portion are also extremely sensitive to market volatility and generally\nexperience major fluctuations. The aim is to capture as many returns as\npossible from the market exposure, and the investor is most often willing to\ntake on more risk towards achieving that. It is vital to manage the risk wisely\nand only bite as much as one can chew. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%80%93_The_defensive_portfolio\"><\/span><strong>&#8211;\nThe defensive portfolio: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A defensive investment portfolio is one for\nconservative investors. The exposure to risky investments is minimal here, and\ncapital protection takes the front seat. Such a portfolio may not return\nheavily but will work slowly to build wealth over time. Asset allocation to\ndebt is more than the allocation to equity in defensive portfolios. The stocks\nin this portfolio are minimal and are not very sensitive to the market movement\neither. This portfolio usually comprises investments such as bonds that give\nconsistent returns regardless of the conditions in the economy. Risks generally\narise from interest rate changes. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%80%93_The_income_portfolio\"><\/span><strong>&#8211;\nThe income portfolio: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This kind of portfolio primarily focuses on\ncreating additional sources of income for the investor, mainly in the form of\ndividends. There might exist an overlap in the companies that would be included\nin the defensive portfolio and income portfolio. The difference, however, is\nthat companies in the income portfolio are primarily selected for their high\ndividend yields. This portfolio helps generate a positive cash flow for the\ninvestor and would also include investments such as Dividend Funds and Real estate\ninvestment trusts (REITs) too. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%80%93_The_speculative_portfolio\"><\/span><strong>&#8211;\nThe speculative portfolio: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This is the riskiest portfolio there is. It is\naimed at medium to long-term investors who seek above-average capital growth\nfrom their investment portfolio of mainly global equity investments. It is also\ncalled the Alpha portfolio because of the high exposure to risk. A speculative\nportfolio may be overweight on equities and hedge funds and, in many cases,\nfutures and derivatives market trades and cryptocurrency too. It is imperative\nthat the investor is aware of the risks involved and makes the asset mix\ncarefully. The investment horizon is often short, and the investor may have a\n&#8216;pump and dump&#8217; approach. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%80%93_The_hybrid_portfolio\"><\/span><strong>&#8211;\nThe hybrid portfolio: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This type of portfolio includes a mix of\nvarious other asset classes such as equity, bonds, real estate, commodities,\nand others. A hybrid portfolio comprises investments in asset classes in\npredetermined ratios and offers a diversification of portfolios apart from the\nstability of returns. There is a higher level of risk management by spreading\nfunds across asset classes with less correlation, so there is always a safety\nnet available. A hybrid portfolio is also called an all-weather portfolio.<\/p>\n\n\n\n<p>Investment\nportfolio types based on age<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Case_1_Someone_in_their_20s\"><\/span><strong>Case\n1: Someone in their 20s<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Rebecca, 27, just graduated from business school. She currently has no dependents and is earning six figures every year. She is also paying off her education loan and has just started building her savings in her 401(k). <\/p>\n\n\n\n<p>For someone like Rebecca, a portfolio consisting\nof a majority investment in stocks makes greater sense as she has many years\nleft before retirement. She can afford to take a higher risk for more rewards.\nAlso, to provide some stability to the portfolio, we may include ~10-25% of\nbonds in her investment portfolio.<\/p>\n\n\n\n<p>This would constitute an Aggressive Investment\nPortfolio, and Rebecca can be called an aggressive investor. However, should\nsituations change, her portfolio must change accordingly to protect her capital\nand build wealth over time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Case_2_Middle-aged\"><\/span><strong>Case\n2: Middle-aged:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Dan, 46, is married and has two kids, one of\nwhom is getting ready to go to college next year. He is the sole earning member\nof the family and currently earns a five-digit monthly salary. <\/p>\n\n\n\n<p>For someone like Dan, this is the right time to do some portfolio building as he is probably nearing his peak earning potential. Even if Dan is saving up for the college funds for his children or paying his house mortgage, building up his retirement fund should remain a priority. Exposure to stocks is advisable to allow time for the funds to grow and give returns that beat the inflation rate. It is also advised to continue to max out contributions to <a href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-is-a-401k-and-how-does-a-401k-work\/\">401(k)<\/a> and <a href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-is-an-ira\/\">IRA <\/a>to have a guaranteed return in the future.<\/p>\n\n\n\n<p>A combination of 60% allocation to equity and\n40% allocation to debt investments may work to provide the balance between\nwealth generation and capital protection. All other conditions void, Dan could\nbe categorized as an investor with a moderate approach and may build a Hybrid\nportfolio to suit his requirements. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Case_3_Nearing_retirement\"><\/span><strong>Case\n3: Nearing retirement:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Stephen, 59, is very close to his retirement\nage. His children are now independent, which means he only needs to focus on\nhis retirement funds. <\/p>\n\n\n\n<p>For someone like Stephen, it may be advisable\nto stay away from risky investments and take a more conservative approach to\nsafeguard his money to live out his retirement in peace. It may make sense for\nhim to convert some of his investments from stocks and other related securities\ninto bonds and pension funds to negate the chances of losses and guarantee some\nreturns.<\/p>\n\n\n\n<p>For people approaching their retirement, the\nIRS allows them to put more funds in their retirement accounts. Workers who are\n50 and older can contribute an additional $6,500 per year to their 401(k). This\nis referred to as &#8220;catch-up contribution.&#8221; (Note that the catch-up\nlimit is amended by the IRS periodically). <\/p>\n\n\n\n<p>An ideal portfolio for Stephen would be 70-80%\ndebt, and the remainder spread across equity and real estate, etc. Stephen&#8217;s\nprofile is that of a risk-averse investor, and his approach is conservative.\nThe investment portfolio suitable to him is either an Income Portfolio or a\ndefensive portfolio.<\/p>\n\n\n\n<p>Please note that these are just cases for reference and not investment advice. As mentioned before, no two investor cases are similar as the financial situation, goals, time horizon, risk profile, as well as an investment strategy, vary from person to person. <a href=\"https:\/\/www.paladinregistry.com\/landing\/find-financial-advisors?cta=match\">It is highly recommended to consult a financial advisor<\/a> before you get to building your investment portfolio. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_improve_your_investment_portfolio\"><\/span>How\nto improve your investment portfolio<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Here\nis how one can improve the performance of their investment portfolio and get\nhigher yields:<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Diversify_your_investments\"><\/span>1. <strong>Diversify your investments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When allocating funds in your portfolio it is\nextremely important to remember to diversify into different asset classes and\nalso within asset classes. For instance: when investing in stocks, one should\nbuy shares across company sizes and industries to diversify the portfolio. This\nnot only helps buffer against losses but also helps to capture growth from\nindustries and sectors that are witnessing an uptick. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Reinvest_your_dividends\"><\/span>2. <strong>Reinvest your dividends <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Reinvesting your dividend income can give an\nextra boost to your portfolio returns, especially if you are in the early years\nof investing. This feeds into the concept of the compounding power of money &#8211;\nalso the reason why experts often ask to start investing as early as possible.\nThis extra money from dividends reinvestment will go towards increasing the\ninvestment base on which interest will be earned, thereby aiding the corpus\ngrowth significantly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Lower_your_portfolio_churn_rate\"><\/span>3. <strong>Lower your portfolio churn rate:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Frequently selling assets from an investment\nportfolio can be a costly affair and may reduce long-term portfolio returns.\nHence, it is advised that a buy-and-hold strategy is followed, and investments\nare held to a long term. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Consult_a_financial_advisor\"><\/span>4. <strong>Consult a financial advisor<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There are various pointers to consider while creating an investment portfolio as well as many variables. <a href=\"https:\/\/www.paladinregistry.com\/landing\/find-financial-advisors?cta=match\">It may be prudent to consult a qualified financial advisor<\/a> or an investment advisor when you are trying to build an investment portfolio. They will be able to help you streamline your investments according to your risk profile to benefit from the growth opportunities in the market. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To_sum_it_up\"><\/span>To\nsum it up<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>An investment portfolio allows the investor to\nreduce and diversify their risk. It also allows the investor to position their\nfunds in a manner that they earn sizable returns, which help achieve both\nshort-term and long-term financial goals. <\/p>\n\n\n\n<p>Therefore, it is vital to determine both short\nand long-term financial goals and understand your risk profile before building\nan investment portfolio. When creating an investment portfolio, one must not\nonly diversify their portfolio by including different asset classes but also\nmust spread the risk within each asset class. Using asset allocation strategies\nmay come in handy when devising investment portfolios.<\/p>\n\n\n\n<p><em>To get in touch with a fiduciary advisor who can help you devise smart financial strategies to create a successful investment portfolio, use <\/em><a href=\"https:\/\/www.paladinregistry.com\/landing\/find-financial-advisors?cta=match\"><em>Paladin Registry\u2019s Free Search Tool.<\/em><\/a><em> Based on your requirements, our platform scans through our registered and qualified advisors to match you with a financial advisor suited to your needs and goals.<\/em><\/p>\n\n\n\n<p>To learn more about the author William Hayslett view his <a href=\"https:\/\/www.paladinregistry.com\/blog\/author\/william-hayslett\/\">short bio<\/a>.   <\/p>\n","protected":false},"excerpt":{"rendered":"<p>An investment portfolio is a collection of financial products carefully chosen from different asset classes in proportions that suit the investor&#8217;s risk profile. This might include investments such as stocks, bonds, real estate, commodities, even hedge funds, and the new age asset class- cryptocurrency. By building an investment portfolio, investors aim to earn a sizable return on their capital by leveraging the risk-return potential of investments. Additionally, by diversifying their<\/p>\n","protected":false},"author":122,"featured_media":10810,"comment_status":"open","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[395],"tags":[],"class_list":["post-10932","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Build an Investment Portfolio - Paladin Registry<\/title>\n<meta name=\"description\" content=\"An investment portfolio allows the investor to reduce and diversify their risk. 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It also allows the investor to position their funds in a manner that they earn sizable returns, which help achieve both short-term and long-term financial goals.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/\" \/>\n<meta property=\"og:site_name\" content=\"Paladin Registry Blog\" \/>\n<meta property=\"article:published_time\" content=\"2021-10-06T12:52:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-12-01T11:49:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2021\/06\/investment-1.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1\" \/>\n\t<meta property=\"og:image:height\" content=\"1\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"William Hayslett\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:site\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"William Hayslett\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/\",\"name\":\"How to Build an Investment Portfolio - Paladin Registry\",\"isPartOf\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/build-an-investment-portfolio\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2021\/06\/investment-1.webp\",\"datePublished\":\"2021-10-06T12:52:35+00:00\",\"dateModified\":\"2021-12-01T11:49:53+00:00\",\"author\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/387697df93b42ff8cf0cfcbc2ecc4d76\"},\"description\":\"An investment portfolio allows the investor to reduce and diversify their risk. 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