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Investment Portfolio: From Strategy to Reality

💼 If someone intends to create an investment portfolio, here’s how I would structure mine, assuming I had a certain capital and didn’t want to delve too deep into all the details. My portfolio is geared towards higher risk and has an aggressive orientation (if someone wants to reduce the risk from aggressive to moderate, consider adding more bonds):

1. 🇺🇸 US Stocks:

1.1 S&P 500 ETF = 35% of the capital. For instance, consider $IVV from BlackRock.

1.2 Mid-Cap Stocks ETF = 5% of the capital, such as $IJH from BlackRock or $VO from Vanguard.

1.3 Small-Cap Stocks ETF = 1-2% of the capital, like $IJR and $VIOO from the same companies.

Our portfolio is already assembled at 41-42%.

2. 🗺 International Market:

2.1 Fund of Stocks from Developed Countries outside the US = 15-20% of the capital, for example, $IDEV and $VEA, encompassing stocks of companies from developed markets of various capitalizations.

2.2 Consider also stocks from emerging market companies (EM) = 5% of the capital, like $IEMG.

The portfolio is already composed at 62%.

3. 📄 Bonds:

3.1 Include specific bonds in the US market or again ETFs on bonds = 10-15% of the capital.

Option 1: You can choose specific bonds

  • 10-year US bonds with a yield of 4.6%;
  • 5-year bonds with a yield of 4.55%;
  • 12-month bonds with a yield of 5.33%;
  • 6-month bonds with a yield of 5.5%; or
  • 3-month bonds with a yield of 5.4%.

Option 2: If you prefer ETFs, consider $IUSB (this fund includes various types of bonds like corporate, government, municipal, etc.) or $TLT (this fund includes only US bonds of 20 years and above).

3.2 International bonds can also be included in the portfolio through ETFs, for example, $IAGG, constituting up to 10% of the capital.

Detailed information about various types of bonds can be found on the Bloomberg website.

Therefore, the portfolio structure is already set at 82%.

4. 🪙 Other (crypto, reserves, etc.).

Lastly, consider various ways to allocate the remaining capital: some can be spent on buying dollars for safekeeping, as well as investing in highly liquid assets, like a bank deposit for a period of up to 3 months. You can also consider investing in precious metals such as gold or silver, or in cryptocurrencies, specifically in DeFi projects, staking, and more. Active trading, binary options, or participation in high-risk schemes can also be included here, although it’s recommended to avoid pyramid schemes to ensure financial security.

Wishing you successful investments!

Posted in Finance
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