#DiversifyYourAssets To build a resilient portfolio, I focus on diversifying across asset classes, sectors, and geographies. My core strategy includes a mix of:

1. Equities – I allocate around 50–60% to stocks, balancing between large-cap, mid-cap, and emerging markets. I choose companies with strong fundamentals, consistent earnings, and competitive advantages.

2. Fixed Income – Around 20% is invested in a combination of government and corporate bonds, both domestic and international. This adds stability and income, especially during equity downturns.

3. Commodities & Real Assets – I dedicate 10–15% to assets like gold, real estate investment trusts (REITs), and sometimes energy ETFs. These offer inflation protection and low correlation with traditional stocks and bonds.

4. Alternative Investments – About 5–10% goes into alternatives like private equity funds, hedge fund strategies, or crypto. I’m selective here, focusing on assets with asymmetric risk-reward profiles.

5. Cash & Equivalents – I always keep a small portion in cash or money market funds for flexibility and opportunity-based investing.

Selection Process: I use a mix of top-down macro analysis and bottom-up stock picking. I look at market trends, economic indicators, and central bank policies, then drill down into specific assets using fundamental analysis and valuation metrics.

Impact on Performance: This diversification has helped smooth out volatility during market corrections and protected my capital during downturns like COVID-19 and inflation-driven selloffs. While I may not always beat the market in bull runs, the consistency and reduced drawdowns have led to better long-term risk-adjusted returns.