Build a diversified investment portfolio

FinanceIntermediateAnywhere

90 minutes

5 steps

·Intermediate

After 90 min: You'll understand asset allocation and create a portfolio aligned with your timeline and risk.

What you need

Brokerage accountIndex funds/ETFsFinancial spreadsheetInvestment educationRisk tolerance clarity

The 90-Minute Plan

Assess risk tolerance0–15 min

Time horizon, financial goals, and comfort with volatility. Document your answers.

Learn asset classes15–35 min

Stocks (growth), bonds (stability), real estate, commodities. Each role differs.

Create asset allocation35–55 min

Young/aggressive: 80% stocks/20% bonds. Conservative: 40/60. Age-based rule exists.

Select index funds55–75 min

Vanguard, Fidelity, Schwab offer low-cost broad-market funds (VTI, VTSAX, VOO).

Set automatic investments75–90 min

Set recurring monthly contributions. Ignore short-term volatility. Rebalance annually.

Pro Tip

Time in market beats timing the market; start with whatever amount you have.

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