Diversification & asset allocation

How to build a portfolio around one giant, illiquid bet: splitting money across risk so the rest of your wealth is ballast, not more of the same wager.

What founders use for diversification & asset allocation, ranked by how many answers lean on it.

  1. The best reminder that avoiding ruin beats chasing returns, and that wealth is the money you don't spend. The whole founder... The Psychology of Money Book The Psychology of Money Morgan Housel In 3 answers
  2. The clearest, calmest case ever written for low cost index investing and leaving it alone. Global, but the mindset travels... jlcollinsnh.com Essay The Stock Series JL Collins In 3 answers
  3. The canonical, no-hype reference on building a simple index portfolio and why costs and discipline beat cleverness. Bogleheads Guide Bogleheads: getting started Bogleheads In 3 answers
  4. What debt funds are, the types, the risks, and their recently changed tax treatment in India, before you park money in one. ClearTax Article Debt mutual funds, explained ClearTax
  5. The India tax angle on a home loan: the deductions on principal and interest, and what actually qualifies for them. ClearTax Article Home loan tax benefits ClearTax

The questions

Asset allocation for a founder 8

How to split money across risk when one giant, risky bet already dominates your net worth.

How should I think about asset allocation when my startup is most of my net worth? 3 → What's a simple portfolio a busy founder can actually maintain? 3 → How much of my money should be in equity versus safer assets at my age and stage? 2 → Should I count my startup equity as part of my portfolio when I decide how to invest my liquid money? 2 → How big should my emergency fund be as a founder with unpredictable income? 2 → All 8 questions in Asset allocation for a founder →
Rebalancing and reviewing 3

Keeping the plan on track without fiddling with it every time the news moves.

How often should I review or rebalance my portfolio? 2 → What actually triggers a rebalance, a fixed date or a drift threshold? 2 → How do I stop myself from tinkering with my portfolio every time the market drops? 2 →
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