Beginner Investment Portfolio Example (Simple & Diversified)

These examples are educational, not personalized advice.

Example A: “Keep it simple” concept

Broad-market exposure (diversified)
Optional bond portion for stability
Emergency fund separate (not invested)

How to choose your mix

Time horizon: how long until you need the money?
Comfort with swings: can you stay calm when markets drop?
Consistency: can you contribute monthly?

Next: Risk tolerance guide

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