← Back to Learning Journey
🌍

Geographic

Invest across countries and regions. If the European market dips, your US or Asian holdings may offset the loss.

🏢

Sector

Spread investments across tech, healthcare, energy, finance, and more. No single sector dominates your portfolio.

📦

Asset Class

Combine stocks, bonds, real estate, commodities, and cash. Each behaves differently under various market conditions.

⏱️

Time (Maturity)

Hold investments with different time horizons – short-term bonds alongside long-term equities for balanced liquidity.

Concentrated vs. Diversified Portfolio

Concentrated

Tech 90%
Other 10%

If the tech sector crashes, you lose almost everything.

Diversified

Tech 25%
Bonds 20%
Healthcare 20%
Real Est. 15%
Energy 20%

A tech crash hurts, but other sectors cushion the blow.