Creating a balanced portfolio involves diversifying your investments across various asset classes in a way that aligns with your financial goals, risk tolerance, and time horizon. Here’s a step-by-step guide on how to structure a balanced portfolio:
1. Define Your Financial Goals:

Short-term goals (1-5 years) might require a more conservative portfolio to preserve capital, while long-term goals (10+ years) can afford more risk for potential growth.
For example, saving for retirement (a long-term goal) allows for more exposure to riskier assets like stocks, while saving for a house deposit in 3 years would require more stable investments like...