Portfolio Design

Portfolio design is the process of creating a collection of investments that align with an individual’s financial goals, risk tolerance, and time horizon. It involves selecting a mix of assets—such as stocks, bonds, and other investments—in proportions that balance potential returns with acceptable risk. Good portfolio design considers diversification to reduce risk and aims to optimize growth while protecting against market fluctuations. Essentially, it’s about building a strategic “recipe” of investments tailored to a person’s needs, helping them work toward their financial objectives in a structured and disciplined way.