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Strategic Portfolio Builder

In short

Strategic asset allocation framework based on risk tolerance and investment horizon

A portfolio construction framework that builds a diversified investment portfolio from scratch. Based on your risk tolerance, it determines the right mix of stocks, bonds, and alternatives, then selects specific holdings within each asset class.

Use this framework when starting a new portfolio or doing a major overhaul. It follows an institutional asset allocation process: set strategic weights based on risk tolerance and horizon, select sub-asset classes, choose specific instruments, and define a rebalancing policy.

Related concepts

  • Asset Allocation — Asset allocation is how you divide your money between different types of investments. A classic '60/40' portfolio is 60% stocks, 40% bonds. It's the most important decision in investing — determines most of your long-term returns and risk.
  • Diversification — If you put all your money in one stock and it crashes, you lose everything. Spread it across 20 different stocks, sectors, and even countries — when one falls, others may rise, protecting your overall wealth.
  • Sharpe Ratio — Sharpe ratio measures how much return you get for every unit of risk you take. A Sharpe of 1.0 means for every 1% of risk, you earn 1% return above the risk-free rate. Higher is better.