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An investment portfolio is a collection of financial assets owned by an investor with the aim of achieving a return and reducing risk. It typically includes stocks, bonds, currencies, funds, and even cryptocurrencies or real estate. Portfolios vary based on the investor's goals: such as growth, income, or capital preservation. Diversification is a key element in reducing losses, as investments are spread across several sectors or financial instruments. They can be managed individually or through a professional financial manager or a robo-advisor. Each portfolio has a different level of risk based on asset allocation. Successful management requires periodic review, market analysis, and adjustments to holdings based on economic conditions and personal goals.