Build a portfolio that works while you sleep
A well-constructed portfolio is your best defense against market volatility and your best path to long-term wealth. Learn the strategies that professional fund managers use — simplified for individual investors.
The Core-Satellite Strategy
The most popular portfolio framework used by professionals. It combines the safety of index investing with the opportunity for outperformance.
🏛️ Core (70-80%)
- Low-cost global index ETFs
- VWCE, IWDA, or CSPX
- Broad diversification
- Set-and-forget allocation
- Beats 90% of active funds over 15+ years
🎯 Satellite (20-30%)
- Individual stocks you believe in
- Thematic ETFs (AI, Clean Energy)
- REITs for real estate exposure
- Small-cap or emerging market bets
- Higher risk, higher potential reward
Model Portfolios by Risk Level
| Portfolio | Global Stocks | Bonds | Real Estate | Gold | Expected Return | Max Drawdown |
|---|---|---|---|---|---|---|
| Ultra-Aggressive | 100% | 0% | 0% | 0% | 8-10% | -50% |
| Growth | 80% | 10% | 5% | 5% | 7-9% | -35% |
| Balanced | 60% | 25% | 10% | 5% | 5-7% | -25% |
| Conservative | 40% | 40% | 10% | 10% | 4-6% | -15% |
| Capital Preservation | 20% | 60% | 10% | 10% | 3-4% | -8% |
Asset Allocation by Age
The traditional rule: 110 minus your age = stock percentage. But modern approaches factor in risk tolerance, income stability, and goals.
Rebalancing — The Free Lunch
Rebalancing means adjusting your portfolio back to target allocations when any asset class drifts more than 5%. It forces you to buy low and sell high systematically.
| Method | How It Works | Best For |
|---|---|---|
| Calendar | Rebalance every January (or quarterly) | Simple, predictable |
| Threshold | Rebalance when any asset drifts >5% | More efficient, less trading |
| Cash Flow | Direct new investments to underweight assets | Tax-efficient, no selling needed |
💡 The Best Rebalancing Strategy for Beginners
Use cash flow rebalancing: when your monthly DCA hits, invest it in whichever asset is most below its target. You rebalance without selling, avoiding capital gains tax. Check allocations once per quarter.
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