{"content_id":"xo3xwc3usb","slug":"diversified-investing-portfolio-allocation-guide","locale":"en","schema_type":"HowTo","category":"how_to","category_name":"How-to","title":"Diversified Investing: Where and How Much Should You Invest?","summary":"Diversified investing is a strategy that involves spreading investments across various financial products, regions, and time horizons to reduce the risk of loss that arises when concentrating funds in a single asset. This article summarizes the characteristics of major financial products, criteria for profitability, stability, and liquidity, as well as examples of portfolios tailored to different risk tolerances and methods for reviewing them.","sponsorship_disclosure":null,"affiliate_disclosure":null,"commerce_disclosure":null,"author":{"name":"OnBinder Editorial Team","url":"https://onbinder.com/ko/about"},"key_points":["Diversification does not eliminate the possibility of losses, but it helps reduce the risk associated with concentrating investments in a specific asset or company.","When building a portfolio, you should consider profitability, stability, and liquidity together, and first determine your investment goals and time horizon.","While savings accounts and fixed-term deposits carry a low risk of market price fluctuations, their returns are limited; stocks, bonds, and mutual funds, on the other hand, carry the risk of principal loss.","As people get older or as the time to use their funds approaches, they generally reduce their allocation to risky assets and increase their allocation to safe assets and cash equivalents.","A portfolio isn't something you set once and forget; you need to rebalance it regularly to maintain your target asset allocation."],"content_markdown":"## Understanding at a Glance\n\nDiversification is a method of spreading your investment funds across multiple assets to reduce the impact that a price decline in a specific asset has on your overall portfolio. As the saying goes, it’s like not putting all your eggs in one basket.\n\nHowever, diversification does not completely prevent losses. Systemic risks—such as a broad market decline or sudden interest rate fluctuations—still remain. Therefore, diversification should be understood not as a technique that guarantees returns, but as a fundamental principle of risk management.\n\n## The Meaning of Diversification and a Portfolio\n\n### Diversification\n\nDiversification is an investment strategy in which funds are spread across various assets rather than concentrated in a single stock, industry, country, currency, or maturity. For example, allocating total investment funds across savings accounts, bond products, domestic stocks, foreign stocks, and some foreign currency assets falls under this category.\n\n### Portfolio\n\nA portfolio is a collection of financial instruments held by an investor. It refers to the overall investment structure created by setting the weighting of each asset class—such as 30% in deposits, 30% in bond funds, 20% in domestic stocks, and 20% in foreign stocks.\n\nModern portfolio theory was developed based on the idea that combining assets that move differently allows investors to reduce risk while maintaining the same expected return, or to pursue a higher expected return while maintaining the same level of risk. Harry Markowitz was a co-recipient of the 1990 Nobel Prize in Economics for his theory of portfolio selection, and James Tobin also received the 1981 Nobel Prize in Economics for his research on financial market analysis.\n\n## Types of Major Financial Products and the Risk of Principal Loss\n\nFinancial products differ in how they generate returns and in their associated risks. Before subscribing, you should verify the possibility of principal loss, early termination conditions, fees, taxes, and whether deposit insurance applies.\n\n| Product | Basic Concept | Main Source of Return | Possibility of Principal Loss | Key Risks |\n|---|---|---|---|---|\n| Fixed-Term Deposit | A product where a fixed amount is deposited for a set period to earn interest | Interest | Generally low | Reduction in agreed-upon interest upon early withdrawal; credit risk of the financial institution |\n| Fixed-Term Savings | A product where a fixed amount is deposited monthly, and principal and interest are received at maturity | Interest | Generally low | Reduced interest upon early withdrawal; credit risk of the financial institution |\n| Stocks | Securities representing ownership stakes in a company | Dividends, capital gains | High | Deterioration in corporate performance, stock price volatility, possibility of delisting |\n| Bonds | Certificates issued by governments, corporations, or other entities that borrow money and promise to repay principal and interest | Interest, capital gains | Yes | Price declines due to rising interest rates, risk of issuer default |\n| Funds | Indirect investment products where a professional pools money from multiple investors to invest in stocks, bonds, and other assets | Investment performance | Yes | Price fluctuations of underlying assets, management fees, exchange rate risk |\n| Foreign Currency Assets | Foreign currencies (such as the U.S. dollar) or products denominated in foreign currencies | Interest, foreign exchange gains | Yes | Exchange rate fluctuations, country and interest rate risks |\n| Commodities and Alternative Assets | Products related to gold, crude oil, real estate, etc. | Price appreciation, rental and dividend-like returns | Yes | Price volatility, liquidity, and product structure risks |\n\nAlthough time deposits and fixed-term savings accounts are not products whose prices fluctuate daily like stocks, this does not mean they are risk-free in all situations. Risks such as financial institution insolvency, early withdrawal, and a decline in real value due to inflation must be considered separately.\n\n## Direct and Indirect Investment\n\nInvesting in financial products can be broadly categorized into direct and indirect investment.\n\n| Category | Meaning | Examples | Advantages | Points to Note |\n|---|---|---|---|---|\n| Direct Investment | A method where investors directly select, buy, and sell products | Individual stocks, individual bonds | Offers great freedom of choice and direct control over costs | Requires analytical skills and time; carries a high risk of concentration in specific securities |\n| Indirect Investment | A method where investors entrust their money to a management firm and receive a share of the investment returns | Mutual funds, ETFs, pension funds | Allows diversification across multiple assets with a small amount of money | Requires checking management fees, transaction fees, investment strategies, and tracking error |\n\nFor beginner investors, using funds or ETFs that are diversified across a broad market may be easier to manage than selecting many individual securities. However, neither ETFs nor funds are products that guarantee the return of principal.\n\n## 3 Essential Factors to Consider When Investing: Profitability, Stability, and Liquidity\n\nThe basic criteria for investment decisions are profitability, stability, and liquidity. It is rare to find a product that excels in all three areas.\n\n### 1. Profitability\n\nProfitability refers to the potential for profit from an investment. Stocks, equity funds, and some alternative assets can offer high returns over the long term, but they are also subject to significant price volatility.\n\n### 2. Stability\n\nStability refers to the low likelihood of losing your principal. Deposits and savings accounts tend to be highly stable, but their expected rates of return are often lower than those of stocks. Bonds are generally considered more stable than stocks, but losses can occur depending on interest rates and the issuer’s creditworthiness.\n\n### 3. Liquidity\n\nLiquidity refers to the ease with which an investment can be converted into cash when needed. It is common to manage living expenses, emergency funds, and money to be used within the next one to two years using highly liquid products such as demand deposits, fixed-term deposits, and money market funds. If you mix long-term investment funds with short-term living expenses, you may have to sell investment products at a loss when you urgently need cash.\n\n## Why Is It Risky to Concentrate Investments in One Place?\n\nConcentrated investments are vulnerable to specific events. A decline in a single company’s performance, regulatory changes in a single industry, an economic downturn in a single country, or a sharp drop in a specific currency can significantly shake your entire portfolio.\n\nDiversification is effective in reducing these individual risks. For example, even if the stock price of one company falls, investments in other companies, bonds, deposits, and overseas assets can partially offset the overall loss. However, in situations like a financial crisis where all assets decline simultaneously, even a diversified portfolio may struggle to avoid losses.\n\n## Where and How Much to Invest: Basic Decision-Making Process\n\nThe exact allocation that’s right for an individual depends on their income, age, debt, investment experience, investment horizon, and family situation. The steps below provide a general framework for building a portfolio.\n\n### Step 1: Set Aside Emergency Funds and Short-Term Funds First\n\nBefore investing, it’s advisable to set aside money you might need suddenly—such as 3 to 6 months’ worth of living expenses—in safe, liquid assets. Funds needed within a year, such as security deposits, tuition, wedding expenses, or medical bills, are also difficult to allocate to high-risk assets.\n\n### Step 2: Set Your Investment Goals and Time Horizon\n\nYour asset allocation will vary depending on whether your goal is to access funds in one year or to save for retirement over a period of 10 years or more.\n\n- Money to be used within 1–2 years: Focus on stability and liquidity, such as savings accounts, fixed-term deposits, and short-term bonds\n- Funds for a 3–5-year investment horizon: A mix of deposits, bonds, and some risky assets\n- Funds for a long-term investment horizon of 10 years or more: You can relatively increase the proportion of equity-based assets\n\n### Step 3: Assess Your Risk Tolerance\n\nIf a 10% price drop keeps you up at night, an aggressive portfolio may not be right for you. Conversely, if you have long-term investment experience and can withstand short-term fluctuations, there is room to increase your allocation to risky assets.\n\n### Step 4: Set Your Target Asset Allocation\n\nThe table below is provided for educational purposes only. It does not constitute a recommendation to purchase specific products, and actual allocations should be adjusted to suit your individual circumstances.\n\n| Risk Tolerance | Cash \u0026 Deposits | Bonds \u0026 Bond-Type Products | Stocks \u0026 Equity-Type Products | Foreign Currency, Commodities, \u0026 Alternative Assets | Suitable Scenarios |\n|---|---:|---:|---:|---:|---|\n| Conservative | 40–60% | 25–45% | 0–20% | 0–10% | For those who strongly dislike principal fluctuations or need funds in the near future |\n| Balanced | 20–40% | 25–40% | 30–50% | 0–10% | For investors willing to accept a certain level of volatility in exchange for higher returns than savings accounts |\n| Aggressive | 10–25% | 10–30% | 50–80% | 0–15% | For those with a long-term investment horizon who can withstand significant price fluctuations |\n\n### Step 5: Diversify Within Each Asset Class\n\nOnce you’ve determined your equity allocation, you can further diversify within that category—for example, by dividing your holdings among domestic and foreign stocks, large-cap, mid-cap, and small-cap stocks, and different industries. Bonds can also be diversified into short-, medium-, and long-term bonds; government and corporate bonds; and won-denominated and foreign-currency bonds.\n\n## Types of Diversification Methods\n\n### Asset Class Diversification\n\nThis involves investing across different asset classes, such as deposits, bonds, stocks, mutual funds, foreign currencies, and commodities. Asset class diversification is the most fundamental structure of a portfolio.\n\n### Geographic Diversification\n\nHolding only domestic assets can leave your portfolio highly vulnerable to fluctuations in the Korean economy and the value of the Korean won. Including some foreign stocks or bonds allows you to spread your exposure across different regional economic trends. However, investing overseas also carries exchange rate risk.\n\n### Currency Diversification\n\nHolding some foreign currency assets—such as U.S. dollars—in addition to the Korean won can serve as a hedge against a decline in the won’s value. Conversely, when the won is strong, you may incur foreign exchange losses.\n\n### Time Diversification\n\nRather than investing a large sum all at once, spreading your investments over time helps diversify your purchase timing. This includes regular savings plans and systematic investment strategies. Additionally, by dividing bond holdings into short-, medium-, and long-term maturities, you can reduce interest rate risk.\n\n### Diversification by Product and Cost Management\n\nJust because diversification is beneficial doesn’t mean you need to hold an excessive number of products. Holding too many products increases fees, taxes, and the time required for management, and can actually make it harder to understand the overall portfolio structure. The key is not to buy many products, but to efficiently combine assets with different risk profiles.\n\n## Adjustments Based on Age and Life Stage\n\nGenerally, the longer the investment horizon, the greater the capacity to withstand short-term volatility; conversely, as retirement or the time to withdraw funds approaches, the time available to recover from losses becomes shorter. Therefore, a common strategy is to reduce the allocation to risky assets and increase the allocation to deposits, bonds, and cash equivalents as one gets older.\n\nHowever, basing your portfolio solely on age is insufficient. You must also consider whether you have a stable income, significant debt, family dependents, or existing real estate or pension assets.\n\n## Portfolio Example: Investing 1 million won per Month\n\nThe following is an example to help you understand the investment structure. Actual investment decisions should be adjusted to suit your personal financial situation and risk tolerance.\n\n| Investment Style | Example Allocation for 1 million won per Month | Description |\n|---|---|---|\n| Conservative | Deposits/Cash Equivalents: 500,000 won, Bonds: 350,000 won, Stocks: 150,000 won | Minimizes principal fluctuations and focuses on interest-bearing assets |\n| Balanced | Deposits/Cash Equivalents: 300,000 won, Bonds: 300,000 won, Equities: 350,000 won, Foreign Currency/Alternatives: 50,000 won | Balances stability and growth |\n| Aggressive | Deposits/Cash Equivalents 150,000 won, Bonds 200,000 won, Equities 600,000 won, Foreign Currency/Alternatives 50,000 won | Pursues long-term growth while maintaining a minimal buffer of liquid assets |\n\nThis example is merely a tool to help you understand asset allocation. You should avoid investing all your short-term living expenses or excessively increasing your allocation to risky assets while carrying a heavy debt load.\n\n## Rebalancing: The Process of Restoring the Target Allocation\n\nOver time, asset prices fluctuate, causing the initially set allocation ratios to shift. For example, if stock prices rise significantly and the stock allocation increases from 40% to 60%, the overall risk of the portfolio also increases. Rebalancing is the process of selling a portion of these assets to increase the allocation to bonds or savings, or allocating new investment funds to underrepresented asset classes, in order to restore the target allocation.\n\nThere are two common methods of rebalancing.\n\n- Regular review method: Check the weightings once every six months or once a year.\n- Deviation-based method: Make adjustments when the portfolio deviates by 5 percentage points or more from the target weightings.\n\nRebalancing too frequently can increase transaction costs and taxes, so you should weigh the benefits against the costs.\n\n## Checklist Before Diversifying Your Investments\n\n- Are your living expenses and emergency fund separate from your investment capital?\n- Are you investing money you’ll definitely need within the next 1–2 years in risky assets?\n- Do you understand the possibility of losing the principal on stocks, bonds, mutual funds, and deposits?\n- Is the allocation to a single stock, industry, or country excessively high relative to your total assets?\n- Have you checked the management fees, sales charges, and currency hedging status for mutual funds and ETFs?\n- Is your target rate of return realistic?\n- Have you determined in advance how much loss you can tolerate?\n- Do you plan to review your portfolio at least once every 6 months to a year?\n\n## Key Takeaways\n\nThe purpose of diversification is not to guarantee high returns, but to spread risk so that a single wrong decision does not ruin your entire portfolio in the unpredictable financial markets. You should understand the characteristics of deposits, bonds, stocks, and funds, and set target allocations by considering profitability, stability, and liquidity together.\n\nIn particular, while you can expect the long-term effects of compound interest the longer your investment horizon, it is not appropriate to invest short-term funds in risky assets. A good portfolio is one that aligns with your goals, risk tolerance, income, age, and when you plan to use the funds, and is structured in a way that allows for regular management.","content_html":"\u003ch2\u003e\n\u003ca href=\"#understanding-at-a-glance\" class=\"anchor\" id=\"understanding-at-a-glance\"\u003e\u003c/a\u003eUnderstanding at a Glance\u003c/h2\u003e\n\u003cp\u003eDiversification is a method of spreading your investment funds across multiple assets to reduce the impact that a price decline in a specific asset has on your overall portfolio. As the saying goes, it’s like not putting all your eggs in one basket.\u003c/p\u003e\n\u003cp\u003eHowever, diversification does not completely prevent losses. Systemic risks—such as a broad market decline or sudden interest rate fluctuations—still remain. Therefore, diversification should be understood not as a technique that guarantees returns, but as a fundamental principle of risk management.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#the-meaning-of-diversification-and-a-portfolio\" class=\"anchor\" id=\"the-meaning-of-diversification-and-a-portfolio\"\u003e\u003c/a\u003eThe Meaning of Diversification and a Portfolio\u003c/h2\u003e\n\u003ch3\u003e\n\u003ca href=\"#diversification\" class=\"anchor\" id=\"diversification\"\u003e\u003c/a\u003eDiversification\u003c/h3\u003e\n\u003cp\u003eDiversification is an investment strategy in which funds are spread across various assets rather than concentrated in a single stock, industry, country, currency, or maturity. For example, allocating total investment funds across savings accounts, bond products, domestic stocks, foreign stocks, and some foreign currency assets falls under this category.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#portfolio\" class=\"anchor\" id=\"portfolio\"\u003e\u003c/a\u003ePortfolio\u003c/h3\u003e\n\u003cp\u003eA portfolio is a collection of financial instruments held by an investor. It refers to the overall investment structure created by setting the weighting of each asset class—such as 30% in deposits, 30% in bond funds, 20% in domestic stocks, and 20% in foreign stocks.\u003c/p\u003e\n\u003cp\u003eModern portfolio theory was developed based on the idea that combining assets that move differently allows investors to reduce risk while maintaining the same expected return, or to pursue a higher expected return while maintaining the same level of risk. Harry Markowitz was a co-recipient of the 1990 Nobel Prize in Economics for his theory of portfolio selection, and James Tobin also received the 1981 Nobel Prize in Economics for his research on financial market analysis.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#types-of-major-financial-products-and-the-risk-of-principal-loss\" class=\"anchor\" id=\"types-of-major-financial-products-and-the-risk-of-principal-loss\"\u003e\u003c/a\u003eTypes of Major Financial Products and the Risk of Principal Loss\u003c/h2\u003e\n\u003cp\u003eFinancial products differ in how they generate returns and in their associated risks. Before subscribing, you should verify the possibility of principal loss, early termination conditions, fees, taxes, and whether deposit insurance applies.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eProduct\u003c/th\u003e\n\u003cth\u003eBasic Concept\u003c/th\u003e\n\u003cth\u003eMain Source of Return\u003c/th\u003e\n\u003cth\u003ePossibility of Principal Loss\u003c/th\u003e\n\u003cth\u003eKey Risks\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Product\"\u003eFixed-Term Deposit\u003c/td\u003e\n\u003ctd data-label=\"Basic Concept\"\u003eA product where a fixed amount is deposited for a set period to earn interest\u003c/td\u003e\n\u003ctd data-label=\"Main Source of Return\"\u003eInterest\u003c/td\u003e\n\u003ctd data-label=\"Possibility of Principal Loss\"\u003eGenerally low\u003c/td\u003e\n\u003ctd data-label=\"Key Risks\"\u003eReduction in agreed-upon interest upon early withdrawal; credit risk of the financial institution\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Product\"\u003eFixed-Term Savings\u003c/td\u003e\n\u003ctd data-label=\"Basic Concept\"\u003eA product where a fixed amount is deposited monthly, and principal and interest are received at maturity\u003c/td\u003e\n\u003ctd data-label=\"Main Source of Return\"\u003eInterest\u003c/td\u003e\n\u003ctd data-label=\"Possibility of Principal Loss\"\u003eGenerally low\u003c/td\u003e\n\u003ctd data-label=\"Key Risks\"\u003eReduced interest upon early withdrawal; credit risk of the financial institution\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Product\"\u003eStocks\u003c/td\u003e\n\u003ctd data-label=\"Basic Concept\"\u003eSecurities representing ownership stakes in a company\u003c/td\u003e\n\u003ctd data-label=\"Main Source of Return\"\u003eDividends, capital gains\u003c/td\u003e\n\u003ctd data-label=\"Possibility of Principal Loss\"\u003eHigh\u003c/td\u003e\n\u003ctd data-label=\"Key Risks\"\u003eDeterioration in corporate performance, stock price volatility, possibility of delisting\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Product\"\u003eBonds\u003c/td\u003e\n\u003ctd data-label=\"Basic Concept\"\u003eCertificates issued by governments, corporations, or other entities that borrow money and promise to repay principal and interest\u003c/td\u003e\n\u003ctd data-label=\"Main Source of Return\"\u003eInterest, capital gains\u003c/td\u003e\n\u003ctd data-label=\"Possibility of Principal Loss\"\u003eYes\u003c/td\u003e\n\u003ctd data-label=\"Key Risks\"\u003ePrice declines due to rising interest rates, risk of issuer default\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Product\"\u003eFunds\u003c/td\u003e\n\u003ctd data-label=\"Basic Concept\"\u003eIndirect investment products where a professional pools money from multiple investors to invest in stocks, bonds, and other assets\u003c/td\u003e\n\u003ctd data-label=\"Main Source of Return\"\u003eInvestment performance\u003c/td\u003e\n\u003ctd data-label=\"Possibility of Principal Loss\"\u003eYes\u003c/td\u003e\n\u003ctd data-label=\"Key Risks\"\u003ePrice fluctuations of underlying assets, management fees, exchange rate risk\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Product\"\u003eForeign Currency Assets\u003c/td\u003e\n\u003ctd data-label=\"Basic Concept\"\u003eForeign currencies (such as the U.S. dollar) or products denominated in foreign currencies\u003c/td\u003e\n\u003ctd data-label=\"Main Source of Return\"\u003eInterest, foreign exchange gains\u003c/td\u003e\n\u003ctd data-label=\"Possibility of Principal Loss\"\u003eYes\u003c/td\u003e\n\u003ctd data-label=\"Key Risks\"\u003eExchange rate fluctuations, country and interest rate risks\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Product\"\u003eCommodities and Alternative Assets\u003c/td\u003e\n\u003ctd data-label=\"Basic Concept\"\u003eProducts related to gold, crude oil, real estate, etc.\u003c/td\u003e\n\u003ctd data-label=\"Main Source of Return\"\u003ePrice appreciation, rental and dividend-like returns\u003c/td\u003e\n\u003ctd data-label=\"Possibility of Principal Loss\"\u003eYes\u003c/td\u003e\n\u003ctd data-label=\"Key Risks\"\u003ePrice volatility, liquidity, and product structure risks\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eAlthough time deposits and fixed-term savings accounts are not products whose prices fluctuate daily like stocks, this does not mean they are risk-free in all situations. Risks such as financial institution insolvency, early withdrawal, and a decline in real value due to inflation must be considered separately.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#direct-and-indirect-investment\" class=\"anchor\" id=\"direct-and-indirect-investment\"\u003e\u003c/a\u003eDirect and Indirect Investment\u003c/h2\u003e\n\u003cp\u003eInvesting in financial products can be broadly categorized into direct and indirect investment.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCategory\u003c/th\u003e\n\u003cth\u003eMeaning\u003c/th\u003e\n\u003cth\u003eExamples\u003c/th\u003e\n\u003cth\u003eAdvantages\u003c/th\u003e\n\u003cth\u003ePoints to Note\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eDirect Investment\u003c/td\u003e\n\u003ctd data-label=\"Meaning\"\u003eA method where investors directly select, buy, and sell products\u003c/td\u003e\n\u003ctd data-label=\"Examples\"\u003eIndividual stocks, individual bonds\u003c/td\u003e\n\u003ctd data-label=\"Advantages\"\u003eOffers great freedom of choice and direct control over costs\u003c/td\u003e\n\u003ctd data-label=\"Points to Note\"\u003eRequires analytical skills and time; carries a high risk of concentration in specific securities\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eIndirect Investment\u003c/td\u003e\n\u003ctd data-label=\"Meaning\"\u003eA method where investors entrust their money to a management firm and receive a share of the investment returns\u003c/td\u003e\n\u003ctd data-label=\"Examples\"\u003eMutual funds, ETFs, pension funds\u003c/td\u003e\n\u003ctd data-label=\"Advantages\"\u003eAllows diversification across multiple assets with a small amount of money\u003c/td\u003e\n\u003ctd data-label=\"Points to Note\"\u003eRequires checking management fees, transaction fees, investment strategies, and tracking error\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eFor beginner investors, using funds or ETFs that are diversified across a broad market may be easier to manage than selecting many individual securities. However, neither ETFs nor funds are products that guarantee the return of principal.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#3-essential-factors-to-consider-when-investing-profitability-stability-and-liquidity\" class=\"anchor\" id=\"3-essential-factors-to-consider-when-investing-profitability-stability-and-liquidity\"\u003e\u003c/a\u003e3 Essential Factors to Consider When Investing: Profitability, Stability, and Liquidity\u003c/h2\u003e\n\u003cp\u003eThe basic criteria for investment decisions are profitability, stability, and liquidity. It is rare to find a product that excels in all three areas.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#1-profitability\" class=\"anchor\" id=\"1-profitability\"\u003e\u003c/a\u003e1. Profitability\u003c/h3\u003e\n\u003cp\u003eProfitability refers to the potential for profit from an investment. Stocks, equity funds, and some alternative assets can offer high returns over the long term, but they are also subject to significant price volatility.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#2-stability\" class=\"anchor\" id=\"2-stability\"\u003e\u003c/a\u003e2. Stability\u003c/h3\u003e\n\u003cp\u003eStability refers to the low likelihood of losing your principal. Deposits and savings accounts tend to be highly stable, but their expected rates of return are often lower than those of stocks. Bonds are generally considered more stable than stocks, but losses can occur depending on interest rates and the issuer’s creditworthiness.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#3-liquidity\" class=\"anchor\" id=\"3-liquidity\"\u003e\u003c/a\u003e3. Liquidity\u003c/h3\u003e\n\u003cp\u003eLiquidity refers to the ease with which an investment can be converted into cash when needed. It is common to manage living expenses, emergency funds, and money to be used within the next one to two years using highly liquid products such as demand deposits, fixed-term deposits, and money market funds. If you mix long-term investment funds with short-term living expenses, you may have to sell investment products at a loss when you urgently need cash.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#why-is-it-risky-to-concentrate-investments-in-one-place\" class=\"anchor\" id=\"why-is-it-risky-to-concentrate-investments-in-one-place\"\u003e\u003c/a\u003eWhy Is It Risky to Concentrate Investments in One Place?\u003c/h2\u003e\n\u003cp\u003eConcentrated investments are vulnerable to specific events. A decline in a single company’s performance, regulatory changes in a single industry, an economic downturn in a single country, or a sharp drop in a specific currency can significantly shake your entire portfolio.\u003c/p\u003e\n\u003cp\u003eDiversification is effective in reducing these individual risks. For example, even if the stock price of one company falls, investments in other companies, bonds, deposits, and overseas assets can partially offset the overall loss. However, in situations like a financial crisis where all assets decline simultaneously, even a diversified portfolio may struggle to avoid losses.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#where-and-how-much-to-invest-basic-decision-making-process\" class=\"anchor\" id=\"where-and-how-much-to-invest-basic-decision-making-process\"\u003e\u003c/a\u003eWhere and How Much to Invest: Basic Decision-Making Process\u003c/h2\u003e\n\u003cp\u003eThe exact allocation that’s right for an individual depends on their income, age, debt, investment experience, investment horizon, and family situation. The steps below provide a general framework for building a portfolio.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#step-1-set-aside-emergency-funds-and-short-term-funds-first\" class=\"anchor\" id=\"step-1-set-aside-emergency-funds-and-short-term-funds-first\"\u003e\u003c/a\u003eStep 1: Set Aside Emergency Funds and Short-Term Funds First\u003c/h3\u003e\n\u003cp\u003eBefore investing, it’s advisable to set aside money you might need suddenly—such as 3 to 6 months’ worth of living expenses—in safe, liquid assets. Funds needed within a year, such as security deposits, tuition, wedding expenses, or medical bills, are also difficult to allocate to high-risk assets.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#step-2-set-your-investment-goals-and-time-horizon\" class=\"anchor\" id=\"step-2-set-your-investment-goals-and-time-horizon\"\u003e\u003c/a\u003eStep 2: Set Your Investment Goals and Time Horizon\u003c/h3\u003e\n\u003cp\u003eYour asset allocation will vary depending on whether your goal is to access funds in one year or to save for retirement over a period of 10 years or more.\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eMoney to be used within 1–2 years: Focus on stability and liquidity, such as savings accounts, fixed-term deposits, and short-term bonds\u003c/li\u003e\n\u003cli\u003eFunds for a 3–5-year investment horizon: A mix of deposits, bonds, and some risky assets\u003c/li\u003e\n\u003cli\u003eFunds for a long-term investment horizon of 10 years or more: You can relatively increase the proportion of equity-based assets\u003c/li\u003e\n\u003c/ul\u003e\n\u003ch3\u003e\n\u003ca href=\"#step-3-assess-your-risk-tolerance\" class=\"anchor\" id=\"step-3-assess-your-risk-tolerance\"\u003e\u003c/a\u003eStep 3: Assess Your Risk Tolerance\u003c/h3\u003e\n\u003cp\u003eIf a 10% price drop keeps you up at night, an aggressive portfolio may not be right for you. Conversely, if you have long-term investment experience and can withstand short-term fluctuations, there is room to increase your allocation to risky assets.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#step-4-set-your-target-asset-allocation\" class=\"anchor\" id=\"step-4-set-your-target-asset-allocation\"\u003e\u003c/a\u003eStep 4: Set Your Target Asset Allocation\u003c/h3\u003e\n\u003cp\u003eThe table below is provided for educational purposes only. It does not constitute a recommendation to purchase specific products, and actual allocations should be adjusted to suit your individual circumstances.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eRisk Tolerance\u003c/th\u003e\n\u003cth\u003eCash \u0026amp; Deposits\u003c/th\u003e\n\u003cth\u003eBonds \u0026amp; Bond-Type Products\u003c/th\u003e\n\u003cth\u003eStocks \u0026amp; Equity-Type Products\u003c/th\u003e\n\u003cth\u003eForeign Currency, Commodities, \u0026amp; Alternative Assets\u003c/th\u003e\n\u003cth\u003eSuitable Scenarios\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Risk Tolerance\"\u003eConservative\u003c/td\u003e\n\u003ctd data-label=\"Cash \u0026amp; Deposits\"\u003e40–60%\u003c/td\u003e\n\u003ctd data-label=\"Bonds \u0026amp; Bond-Type Products\"\u003e25–45%\u003c/td\u003e\n\u003ctd data-label=\"Stocks \u0026amp; Equity-Type Products\"\u003e0–20%\u003c/td\u003e\n\u003ctd data-label=\"Foreign Currency, Commodities, \u0026amp; Alternative Assets\"\u003e0–10%\u003c/td\u003e\n\u003ctd data-label=\"Suitable Scenarios\"\u003eFor those who strongly dislike principal fluctuations or need funds in the near future\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Risk Tolerance\"\u003eBalanced\u003c/td\u003e\n\u003ctd data-label=\"Cash \u0026amp; Deposits\"\u003e20–40%\u003c/td\u003e\n\u003ctd data-label=\"Bonds \u0026amp; Bond-Type Products\"\u003e25–40%\u003c/td\u003e\n\u003ctd data-label=\"Stocks \u0026amp; Equity-Type Products\"\u003e30–50%\u003c/td\u003e\n\u003ctd data-label=\"Foreign Currency, Commodities, \u0026amp; Alternative Assets\"\u003e0–10%\u003c/td\u003e\n\u003ctd data-label=\"Suitable Scenarios\"\u003eFor investors willing to accept a certain level of volatility in exchange for higher returns than savings accounts\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Risk Tolerance\"\u003eAggressive\u003c/td\u003e\n\u003ctd data-label=\"Cash \u0026amp; Deposits\"\u003e10–25%\u003c/td\u003e\n\u003ctd data-label=\"Bonds \u0026amp; Bond-Type Products\"\u003e10–30%\u003c/td\u003e\n\u003ctd data-label=\"Stocks \u0026amp; Equity-Type Products\"\u003e50–80%\u003c/td\u003e\n\u003ctd data-label=\"Foreign Currency, Commodities, \u0026amp; Alternative Assets\"\u003e0–15%\u003c/td\u003e\n\u003ctd data-label=\"Suitable Scenarios\"\u003eFor those with a long-term investment horizon who can withstand significant price fluctuations\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003ch3\u003e\n\u003ca href=\"#step-5-diversify-within-each-asset-class\" class=\"anchor\" id=\"step-5-diversify-within-each-asset-class\"\u003e\u003c/a\u003eStep 5: Diversify Within Each Asset Class\u003c/h3\u003e\n\u003cp\u003eOnce you’ve determined your equity allocation, you can further diversify within that category—for example, by dividing your holdings among domestic and foreign stocks, large-cap, mid-cap, and small-cap stocks, and different industries. Bonds can also be diversified into short-, medium-, and long-term bonds; government and corporate bonds; and won-denominated and foreign-currency bonds.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#types-of-diversification-methods\" class=\"anchor\" id=\"types-of-diversification-methods\"\u003e\u003c/a\u003eTypes of Diversification Methods\u003c/h2\u003e\n\u003ch3\u003e\n\u003ca href=\"#asset-class-diversification\" class=\"anchor\" id=\"asset-class-diversification\"\u003e\u003c/a\u003eAsset Class Diversification\u003c/h3\u003e\n\u003cp\u003eThis involves investing across different asset classes, such as deposits, bonds, stocks, mutual funds, foreign currencies, and commodities. Asset class diversification is the most fundamental structure of a portfolio.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#geographic-diversification\" class=\"anchor\" id=\"geographic-diversification\"\u003e\u003c/a\u003eGeographic Diversification\u003c/h3\u003e\n\u003cp\u003eHolding only domestic assets can leave your portfolio highly vulnerable to fluctuations in the Korean economy and the value of the Korean won. Including some foreign stocks or bonds allows you to spread your exposure across different regional economic trends. However, investing overseas also carries exchange rate risk.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#currency-diversification\" class=\"anchor\" id=\"currency-diversification\"\u003e\u003c/a\u003eCurrency Diversification\u003c/h3\u003e\n\u003cp\u003eHolding some foreign currency assets—such as U.S. dollars—in addition to the Korean won can serve as a hedge against a decline in the won’s value. Conversely, when the won is strong, you may incur foreign exchange losses.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#time-diversification\" class=\"anchor\" id=\"time-diversification\"\u003e\u003c/a\u003eTime Diversification\u003c/h3\u003e\n\u003cp\u003eRather than investing a large sum all at once, spreading your investments over time helps diversify your purchase timing. This includes regular savings plans and systematic investment strategies. Additionally, by dividing bond holdings into short-, medium-, and long-term maturities, you can reduce interest rate risk.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#diversification-by-product-and-cost-management\" class=\"anchor\" id=\"diversification-by-product-and-cost-management\"\u003e\u003c/a\u003eDiversification by Product and Cost Management\u003c/h3\u003e\n\u003cp\u003eJust because diversification is beneficial doesn’t mean you need to hold an excessive number of products. Holding too many products increases fees, taxes, and the time required for management, and can actually make it harder to understand the overall portfolio structure. The key is not to buy many products, but to efficiently combine assets with different risk profiles.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#adjustments-based-on-age-and-life-stage\" class=\"anchor\" id=\"adjustments-based-on-age-and-life-stage\"\u003e\u003c/a\u003eAdjustments Based on Age and Life Stage\u003c/h2\u003e\n\u003cp\u003eGenerally, the longer the investment horizon, the greater the capacity to withstand short-term volatility; conversely, as retirement or the time to withdraw funds approaches, the time available to recover from losses becomes shorter. Therefore, a common strategy is to reduce the allocation to risky assets and increase the allocation to deposits, bonds, and cash equivalents as one gets older.\u003c/p\u003e\n\u003cp\u003eHowever, basing your portfolio solely on age is insufficient. You must also consider whether you have a stable income, significant debt, family dependents, or existing real estate or pension assets.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#portfolio-example-investing-1-million-won-per-month\" class=\"anchor\" id=\"portfolio-example-investing-1-million-won-per-month\"\u003e\u003c/a\u003ePortfolio Example: Investing 1 million won per Month\u003c/h2\u003e\n\u003cp\u003eThe following is an example to help you understand the investment structure. Actual investment decisions should be adjusted to suit your personal financial situation and risk tolerance.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eInvestment Style\u003c/th\u003e\n\u003cth\u003eExample Allocation for 1 million won per Month\u003c/th\u003e\n\u003cth\u003eDescription\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Investment Style\"\u003eConservative\u003c/td\u003e\n\u003ctd data-label=\"Example Allocation for 1 million won per Month\"\u003eDeposits/Cash Equivalents: 500,000 won, Bonds: 350,000 won, Stocks: 150,000 won\u003c/td\u003e\n\u003ctd data-label=\"Description\"\u003eMinimizes principal fluctuations and focuses on interest-bearing assets\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Investment Style\"\u003eBalanced\u003c/td\u003e\n\u003ctd data-label=\"Example Allocation for 1 million won per Month\"\u003eDeposits/Cash Equivalents: 300,000 won, Bonds: 300,000 won, Equities: 350,000 won, Foreign Currency/Alternatives: 50,000 won\u003c/td\u003e\n\u003ctd data-label=\"Description\"\u003eBalances stability and growth\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Investment Style\"\u003eAggressive\u003c/td\u003e\n\u003ctd data-label=\"Example Allocation for 1 million won per Month\"\u003eDeposits/Cash Equivalents 150,000 won, Bonds 200,000 won, Equities 600,000 won, Foreign Currency/Alternatives 50,000 won\u003c/td\u003e\n\u003ctd data-label=\"Description\"\u003ePursues long-term growth while maintaining a minimal buffer of liquid assets\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThis example is merely a tool to help you understand asset allocation. You should avoid investing all your short-term living expenses or excessively increasing your allocation to risky assets while carrying a heavy debt load.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#rebalancing-the-process-of-restoring-the-target-allocation\" class=\"anchor\" id=\"rebalancing-the-process-of-restoring-the-target-allocation\"\u003e\u003c/a\u003eRebalancing: The Process of Restoring the Target Allocation\u003c/h2\u003e\n\u003cp\u003eOver time, asset prices fluctuate, causing the initially set allocation ratios to shift. For example, if stock prices rise significantly and the stock allocation increases from 40% to 60%, the overall risk of the portfolio also increases. Rebalancing is the process of selling a portion of these assets to increase the allocation to bonds or savings, or allocating new investment funds to underrepresented asset classes, in order to restore the target allocation.\u003c/p\u003e\n\u003cp\u003eThere are two common methods of rebalancing.\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eRegular review method: Check the weightings once every six months or once a year.\u003c/li\u003e\n\u003cli\u003eDeviation-based method: Make adjustments when the portfolio deviates by 5 percentage points or more from the target weightings.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eRebalancing too frequently can increase transaction costs and taxes, so you should weigh the benefits against the costs.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#checklist-before-diversifying-your-investments\" class=\"anchor\" id=\"checklist-before-diversifying-your-investments\"\u003e\u003c/a\u003eChecklist Before Diversifying Your Investments\u003c/h2\u003e\n\u003cul\u003e\n\u003cli\u003eAre your living expenses and emergency fund separate from your investment capital?\u003c/li\u003e\n\u003cli\u003eAre you investing money you’ll definitely need within the next 1–2 years in risky assets?\u003c/li\u003e\n\u003cli\u003eDo you understand the possibility of losing the principal on stocks, bonds, mutual funds, and deposits?\u003c/li\u003e\n\u003cli\u003eIs the allocation to a single stock, industry, or country excessively high relative to your total assets?\u003c/li\u003e\n\u003cli\u003eHave you checked the management fees, sales charges, and currency hedging status for mutual funds and ETFs?\u003c/li\u003e\n\u003cli\u003eIs your target rate of return realistic?\u003c/li\u003e\n\u003cli\u003eHave you determined in advance how much loss you can tolerate?\u003c/li\u003e\n\u003cli\u003eDo you plan to review your portfolio at least once every 6 months to a year?\u003c/li\u003e\n\u003c/ul\u003e\n\u003ch2\u003e\n\u003ca href=\"#key-takeaways\" class=\"anchor\" id=\"key-takeaways\"\u003e\u003c/a\u003eKey Takeaways\u003c/h2\u003e\n\u003cp\u003eThe purpose of diversification is not to guarantee high returns, but to spread risk so that a single wrong decision does not ruin your entire portfolio in the unpredictable financial markets. You should understand the characteristics of deposits, bonds, stocks, and funds, and set target allocations by considering profitability, stability, and liquidity together.\u003c/p\u003e\n\u003cp\u003eIn particular, while you can expect the long-term effects of compound interest the longer your investment horizon, it is not appropriate to invest short-term funds in risky assets. A good portfolio is one that aligns with your goals, risk tolerance, income, age, and when you plan to use the funds, and is structured in a way that allows for regular management.\u003c/p\u003e\n","tags":["Diversification","Portfolio","Asset allocation","Investment risk","Financial products"],"faqs":[{"question":"Does diversifying your investments eliminate the risk of losing your principal?","answer":"No. Diversification is a way to reduce the risk associated with concentrating on specific stocks or assets; it is not a way to completely eliminate losses. If the overall market declines, even a diversified portfolio can suffer losses."},{"question":"As a beginner, which assets should I start investing in?","answer":"The standard approach is to first set aside emergency funds and short-term liquidity in the form of deposits or cash equivalents, and then combine deposits, bond-type products, and stock-type products based on the investment horizon and risk tolerance."},{"question":"Are savings accounts and fixed-term deposits completely safe?","answer":"While savings accounts and fixed-term deposits are not products whose market prices fluctuate significantly like stocks, interest earnings may be reduced if you withdraw early, and there is also credit risk associated with the financial institution. It is advisable to check whether your deposits are covered by deposit insurance and, if so, the coverage limit."},{"question":"Are bonds a safer investment than stocks?","answer":"While bonds are generally less volatile than stocks, they are not risk-free. If interest rates rise, bond prices may fall, and if the issuer fails to repay the principal and interest, losses may occur."},{"question":"Does investing in a fund automatically result in a diversified portfolio?","answer":"While funds can invest in a variety of assets and thus offer diversification benefits, funds that are concentrated in a specific industry or country still carry significant risk. You should review the fund’s holdings, investment strategy, fees, and currency risk."},{"question":"Is it better to have more investment products?","answer":"That isn't necessarily the case. If there are too many products, fees and administrative burdens may increase, and it may become difficult to assess the overall risk. What matters more than the number of products is whether the asset classes and risk factors are appropriately diversified."},{"question":"Should I reduce my allocation to stocks as I get older?","answer":"Generally, as the time to use the funds approaches, there is less time to recover from losses, so a strategy of reducing the allocation to risky assets is commonly used. However, the appropriate allocation varies depending on income, debt, retirement savings, and the investment horizon."},{"question":"How often should I rebalance my portfolio?","answer":"Typically, you should review your portfolio every six months or once a year, or adjust it when it deviates from your target allocation by a certain amount. Be careful, as rebalancing too frequently can increase transaction costs and taxes."},{"question":"Do I need a portfolio even if my salary is low?","answer":"It’s important. If you get into the habit of separating your emergency fund, safe assets, and risky assets from the very beginning—even when your investment amount is small—it will be easier to manage your assets systematically as they grow."}],"sources":[{"url":"https://www.investor.gov/introduction-investing/investing-basics/glossary/diversification","title":"Investor.gov - Diversification","type":"source"},{"url":"https://www.investor.gov/introduction-investing/investing-basics/glossary/asset-allocation","title":"Investor.gov - Asset Allocation","type":"source"},{"url":"https://www.nobelprize.org/prizes/economic-sciences/1990/markowitz/facts/","title":"The Nobel Prize - Harry M. Markowitz: Facts","type":"source"},{"url":"https://www.nobelprize.org/prizes/economic-sciences/1981/tobin/facts/","title":"The Nobel Prize - James Tobin: Facts","type":"source"}],"images":[{"id":11,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MTEwLCJwdXIiOiJibG9iX2lkIn19--9b3c544f1ec35cfdebeee99decd439e3833f064e/ai-bcfccbac.webp","is_representative":true,"generation_method":"ai_image","license":"ai_generated","mime_type":"image/webp","translations":{"ko":{"alt":"폭풍, 방패, 지구, 달력, 새싹 아이콘과 함께 나뉜 달걀 바구니들","caption":"여러 바구니와 상징 아이콘이 분산 투자와 위험 관리를 보여준다.","description":null},"en":{"alt":"Egg baskets with storm, shield, globe, calendar, and sprout icons","caption":"The baskets and icons illustrate diversification across risks, time, regions, and growth.","description":null},"ja":{"alt":"嵐、盾、地球、カレンダー、芽のアイコンと並ぶ卵のかご","caption":"複数のかごとアイコンが、リスクや地域、時間を分ける分散投資を表している。","description":null},"es":{"alt":"Cestas de huevos con iconos de tormenta, escudo, globo, calendario y brote","caption":"Las cestas y los iconos representan la diversificación entre riesgos, tiempo, regiones y crecimiento.","description":null},"id":{"alt":"Keranjang telur dengan ikon badai, perisai, globe, kalender, dan tunas","caption":"Keranjang dan ikon menggambarkan diversifikasi menurut risiko, waktu, wilayah, dan pertumbuhan.","description":null},"pt":{"alt":"Cestos de ovos com ícones de tempestade, escudo, globo, calendário e broto","caption":"Os cestos e ícones representam diversificação entre riscos, tempo, regiões e crescimento.","description":null},"zh-hant":{"alt":"搭配風暴、盾牌、地球、日曆與嫩芽圖示的雞蛋籃","caption":"多個雞蛋籃與圖示呈現分散投資在風險、時間、地域與成長上的配置。","description":null},"de":{"alt":"Auf mehrere Körbe verteilte Eier mit Symbolen für Sturm, Schild, Erde, Kalender und Keimling","caption":"Mehrere Körbe und symbolische Icons veranschaulichen diversifizierte Anlagen und Risikomanagement.","description":null}}},{"id":10,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MTA0LCJwdXIiOiJibG9iX2lkIn19--1f45e2d76aa7c52408a044e43445db950ad15587/ai-59e7e7b6.webp","is_representative":false,"generation_method":"ai_image","license":"ai_generated","mime_type":"image/webp","translations":{"ko":{"alt":"자산군 아이콘과 순환 화살표로 둘러싸인 분산 투자 비중 도넛 차트","caption":"현금, 원자재, 저축, 해외 자산 등 여러 투자처의 배분을 보여준다.","description":null},"en":{"alt":"Donut chart of diversified investment allocation surrounded by asset icons and circular arrows","caption":"The illustration shows how a portfolio can be spread across cash, commodities, savings, and global assets.","description":null},"ja":{"alt":"資産アイコンと循環矢印に囲まれた分散投資配分のドーナツチャート","caption":"現金、商品、貯蓄、海外資産などへのポートフォリオ配分を示している。","description":null},"es":{"alt":"Gráfico de dona de asignación diversificada rodeado de iconos de activos y flechas circulares","caption":"La ilustración muestra cómo repartir una cartera entre efectivo, materias primas, ahorro y activos globales.","description":null},"id":{"alt":"Bagan donat alokasi investasi terdiversifikasi dikelilingi ikon aset dan panah melingkar","caption":"Ilustrasi ini menunjukkan pembagian portofolio ke kas, komoditas, tabungan, dan aset global.","description":null},"pt":{"alt":"Gráfico de rosca de alocação diversificada cercado por ícones de ativos e setas circulares","caption":"A ilustração mostra a distribuição de uma carteira entre dinheiro, commodities, poupança e ativos globais.","description":null},"zh-hant":{"alt":"多元投資配置圓環圖，周圍有資產圖示與循環箭頭","caption":"插圖呈現投資組合在現金、商品、儲蓄與全球資產之間的分配。","description":null},"de":{"alt":"Donutdiagramm zur diversifizierten Anlageverteilung, umgeben von Anlageklassen-Symbolen und kreisförmigen Pfeilen","caption":"Zeigt die Verteilung auf verschiedene Anlageziele wie Bargeld, Rohstoffe, Ersparnisse und ausländische Vermögenswerte.","description":null}}}],"published_at":"2026-06-29T11:32:29+09:00","updated_at":"2026-06-29T11:32:29+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant","de"],"url":"https://onbinder.com/en/articles/diversified-investing-portfolio-allocation-guide"}