Finvest

Your guide to building a portfolio you can actually hold

The capstone of the Investing Library: every decision in order, from goals to allocation to funds to a written one-page plan, with five complete portfolios built start to finish and the honest evidence on every recipe the industry sells.

Start reading: Chapter 1

13 chapters · 4 calculators · evidence first · www.getfinvest.com

Educational material only. This guide is not individualized investment or tax advice. Markets involve risk of loss; historical figures carry their sources and periods, and are not promises.

Part I · The decisions, in order

What a portfolio is for

Goals, horizons, and buckets: the map of every decision this guide walks, in order, before any product gets named.

Asset allocation, the one big decision

The stock-bond split drives most of what happens to you. The evidence, the famous study everyone misquotes, and the builder.

Diversification that is real

Correlations decide what protects you. What failed together in 2008, 2020, and 2022, and why the old stock-bond physics changed.

Part II · The building blocks

US, international, and size: the home-bias debate run honestly, with the concentration math nobody escapes.

The bond sleeve

Duration matched to horizon, TIPS as the floor, and what bonds are actually for now that they pay again.

The cash bucket and the dry-powder myth

How much cash a portfolio needs, and the evidence on waiting for the dip with the rest.

Part III · The recipes

The classic recipes

Two funds, three funds, target dates, and the 60/40: what each assumes, what each costs, and the 2022 stress test.

The fancy aisle

Endowment envy, risk parity, factor tilts, direct indexing, robos, alts in your 401(k), and the crypto sleeve: priced honestly.

Risk: capacity, tolerance, and need

Three different questions wearing one word. Quantify each, then rehearse the crash before you meet it.

Part IV · Keeping it

Rebalancing, the only free discipline

Bands vs calendars, what the research actually found, and doing it without a tax bill.

Glide paths and life changes

From accumulation to spending: sequence risk, the bond tent idea, and what the withdrawal-rate research says now.

Five portfolios, built start to finish

Quinn, Dev, Mara, Hugo, and Elaine: five real situations taken from goals to funds to a written line, every table summing.

Your one-page plan

The investment policy statement: the template, the playbook, the annual hour, a glossary, and every number sourced.