【Financial Intellgient Women】Build the Most Suitable Investment Portfolio for You

Following the previous article, if you have taken the first step in investing, like set up a budget and researched various investment products, it is time to design a diversified investment portfolio.

Don't put all your eggs in one basket

This is essentially about diversification. Investing in different types of assets can reduce the weight of a single asset and minimize risk. Furthermore, similar asset category should have low correlation. Stocks of different industries like HSBC and CLP, which the correlation between is small, can achieve risk diversification.

How to construct an investment portfolio

There are various investment strategies available. For example, the common "The 100 minus age" suggests that investors subtract their age from 100, and the resulting number can be used as the proportion of high-risk investment products. It is believed that younger investors can afford higher risk. The "80-20 rule" suggests investors put 20% of their funds into higher-risk investment products and 80% into lower to ensure more stable returns. These are some reference for investors only. At the end, the actual allocation of assets should depend on individual financial situation and risk tolerance level.

Adding leveraged investment products

Leveraged products are tools that can amplify investment returns. Common products include contracts for difference (CFD), futures and options. These products can be invested at a lower cost with relatively higher values, thereby earning high returns. However, it should be noted that high returns also mean high risk. Women should maintain their high self-discipline when investing and avoid excessive leverage to control risk.

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