Discover our model strategies and try it out!
Building a solid investment portfolio requires the appropriate selection of financial instruments and a coherent strategy. In this context, the portfolio represents the final outcome, while the various asset classes—such as equities, fixed-income securities, and cash—serve as the essential components. The way these assets are combined and managed constitutes the investment strategy, which should be aligned with the investor’s risk profile, personality, and long-term financial objectives. This strategies are generally categorized into three primary risk profiles, depending on the investor's tolerance for risk and growth expectations.
Learn more about all three approaches below and see which one aligns with your goals!
Conservative Strategy
Think of someone who doesn’t like surprises—they’d rather keep their money safe, even if it means slower growth. It’s about peace of mind: “I prefer small but steady gains, without risking what I already have.”
Perfect for those approaching retirement, needing short-term access to funds, or simply looking for stability over high returns.
Perfect for those approaching retirement, needing short-term access to funds, or simply looking for stability over high returns.
This strategy relies on low-risk ingredients like:
- Bonds, which are loans to stable governments or companies that pay a fixed return.
- Fixed-term deposits, where money is stored in the bank for a set time with guaranteed interest.
- Fixed-income funds, which group multiple low-risk investments.
The goal? Preserve capital, keep up with inflation, and avoid major losses.
Moderate Strategy
This strategy is for people who like to explore new opportunities—but with caution. You’re not looking to risk it all, but you also want your money to grow. You think: “I want growth, but not at the cost of losing sleep.”
Ideal for medium-term investors looking for a balance between safety and performance, who can handle some market swings without panicking.
Ideal for medium-term investors looking for a balance between safety and performance, who can handle some market swings without panicking.
It blends low-risk and high-risk investments, such as:
- Bonds or fixed deposits (for stability),
- Stocks (for growth),
And sometimes real estate or commodities like gold.
The goal? Achieve steady growth with fewer ups and downs than an aggressive approach, but with more potential than a conservative one.
Aggressive Strategy
This strategy is for those who aim big and aren’t afraid of ups and downs. You think: “I’m willing to take higher risks for the chance of bigger rewards.”
Best for younger investors or anyone with a long investment horizon, who understands risk and doesn’t need immediate access to the money.
Best for younger investors or anyone with a long investment horizon, who understands risk and doesn’t need immediate access to the money.
It focuses on high-risk, high-reward assets, like:
-Stocks: owning shares in companies that can rise or fall sharply.
- Cryptocurrencies: digital assets with high volatility.
- Startups:small or new companies with huge potential, but also high failure risk.
The goal? Strong long-term growth, knowing there may be short-term losses along the way.