A Well Balanced Portfolio is the way to go

A well balanced portfolio will reduce your risk      exposure. This is definitely critical in reducing     personal wealth risk and and exposure to market volatility. Definitely, you need to look into your    risk appetite. Be it stocks, bonds, savings and     etc. 

Risk Management in your personal portfolio is     critical. Some people will invest 80 to 90 percent of their holdings into stocks while the more        conservative may just go for 20 to 30 percent. In the end, it depends how far you can stretch       beyond your financial limits. We will need to       constantly rebalance our Portfolio in order to      protect our Portfolio against Volatility and         maximise our returns in investment.

I will suggest that you take a serious look into     the following before making your decision.

1. Assess your own risk appetite before allocatingyour funds into stocks, bonds, fixed deposit and etc.  You must always remember the rule of        thumb is that if you wake up tomorrow with 50%reduction in your investment, your life will still be normal as usual.

2. Do not put all eggs into one basket. Spreadingyour funds into different tools is crucial. E.g US   and Asia stock market. Different sectors Energy/Airlines/Growth stocks in US and etc. You need  to set a target ? for your return.

3. To consider some of the good blue chip         Stocks that pay out good dividend and potential capital gain vs small cap stocks. Be it 30/70  or 40/60 rule depending on your own judgement

As an investor, we are always trying hard to alignour personal financial goals. Of course, there is alimit to the way how we invest compared to the    fund traders or financial institutions. The             important point to note is make adjustment        regularly to your Portfolio in building a well         Balanced Portfolio. Good luck ?