Level 4 · ages 16–18OECD RRInvest
Building a basic portfolio
🎯 Goal: Split capital across asset types (safe/growth) by risk tolerance and time horizon.
A portfolio splits capital across asset types. Low risk/short horizon → more safe assets; young/long horizon → can hold more growth assets.
Let’s explore
🧺
Split: safe part (deposits/bonds) + growth part (funds/stocks).
🎚️
Younger, longer horizon → can take more risk (more growth).
🛡️
Always keep a safe part and emergency fund; not all in risky assets.
Practice activity
🧮 10M, split 70% growth / 30% safe — how much each?
Worked example: 10M: 70% growth = 7M (funds/stocks), 30% safe = 3M (deposits/bonds). If cash is needed soon, lower the growth part to reduce risk.
Quick quiz
1. A "portfolio" is?
→ Splitting capital across assets
2. 10M, 70% growth = ?
→ 7M
3. A young, long-horizon investor can?
→ Take more risk (more growth)
4. Needing cash soon (short horizon), you should?
→ Raise the safe part
5. A principle when building a portfolio?
→ Keep a safe part + emergency fund
6. Diversifying a portfolio helps?
→ Lower overall risk
🎯 Real-life mission
Sketch a hypothetical portfolio: % safe vs % growth for a goal.
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