{"id":445935,"date":"2022-04-21T15:52:57","date_gmt":"2022-04-21T14:52:57","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=445935"},"modified":"2026-02-03T08:31:26","modified_gmt":"2026-02-03T08:31:26","slug":"portfolio","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-guides\/share-trading-glossary\/portfolio","title":{"rendered":"What is a stock portfolio?"},"content":{"rendered":"<p>If you\u2019re saving for retirement then, chances are, you already have a stock portfolio. It\u2019s an investing term to describe your total wealth from stocks and shares. It could include individual share holdings and investment funds such as <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/exchange-traded-funds-etfs\">ETFs<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-investment-trusts\">investment trusts<\/a>.<\/p><h3>What is a stock portfolio?<\/h3><p>A stock portfolio is an investing term to describe all your stocks and shares and investment funds.<\/p><p>It\u2019s part of your broader investment portfolio. As well as stocks and shares, your investment portfolio could include all sorts of treasures such as <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/investing-in-commodities\">commodities<\/a>, bonds, cash or <a href=\"https:\/\/www.finder.com\/uk\/investing-in-property\">investment property<\/a>. A portfolio is sometimes also known as your investment holdings.<\/p><h3>How does an investment portfolio work?<\/h3><p>An investment portfolio is a tool to help you grow your future wealth and achieve your financial goals. Your investment will hopefully increase in value and earn you income over time.<\/p><p>Think of your investment portfolio as a bit like a house you are building. Every time you add to your wealth you are building the house and getting a little bit closer to reaching your investment goals.<\/p><p>Your investment portfolio will grow in several ways including the following:<\/p><ul><li><strong>Capital growth:<\/strong> this is when your investments increase in value.<\/li><li><strong>Dividend income:<\/strong> this is when companies pay shareholders a small slice of their profits.<\/li><li><strong>Rental income:<\/strong> you\u2019ll receive this from tenants if you own an investment property. You can reinvest this rental income by paying off the mortgage or buying other investments.<\/li><li><strong>Interest:<\/strong> you\u2019ll receive this on cash investments.<\/li><\/ul><h3>How to manage my stock portfolio?<\/h3><p>There are loads of different ways to manage your investment portfolio. Here are some of the main options.<\/p><ul><li>You can manage your own investment portfolio and research your own investing decisions.<\/li><li>You can hire a financial adviser or other financial professional to manage your portfolios on your behalf.<\/li><li>You can use a <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/robo-advisors\">robo-advisor<\/a> to prepare an automatic portfolio based on your investing preferences.<\/li><\/ul><style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n.uk-hero-rates .text-xxx-large { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n<\/style>\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\" aria-label=\"Learn more about what Promoted means on Finder\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\">\r\n<use xlink:href=\"#info-circle\"><\/use>\r\n<\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/share-trading\/etorofreestock-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%221080735a-7036-42d6-b09e-b8d8b6224438%22%2C%22product_name%22%3A%22eToro%22%2C%22offer_id%22%3A%225767%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFST%22%2C%22post_id%22%3A%22445935%22%2C%22post_path%22%3A%22share-trading%252Fshare-trading-guides%252Fshare-trading-glossary%252Fportfolio%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6a50cda14bc71.png\" alt=\"eToro\" class=\"has-margin-bottom-xsmall has-padding-small no-padding-top has-margin-top-small\" style=\"width: 168px; min-width: 120px; max-height: 140px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6a50cda14bc71.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6a50cda14bc71.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6a50cda14bc71.png?fit=504 504w\" sizes=\"(max-width: 504px) 100vw, 504px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<div class=\"has-margin-bottom-xsmall text-xxx-large weight-normal\">Invest in shares with 0% commission<div class=\"gx-badge\"><span class=\"gx-badge__body awards-badge__body hasPopover\" rel=\"popover\" data-content=\"The Finder Awards recognise innovative products and services, as well as companies that provide outstanding service to their customers. &lt;a href='https:\/\/www.finder.com\/uk\/finderawards'&gt;Find out more&lt;\/a&gt;.\" data-html=\"true\"><span class=\"badge-text\">Finder Award<\/span><\/span><span class=\"gx-badge__body generic-badge__body hasPopover\" data-content=\"\" data-html=\"true\"><span class=\"badge-text\">Free Trades<\/span><\/span><\/div><\/div>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n\r\n\r\n\r\n<li>Start investing from $100 <\/li>\r\n\r\n<li>Join 30 million users who trust their investments with eToro<\/li>\r\n\r\n\r\n\r\n<\/ul>\r\n\r\n\r\n<\/div>\r\n<div class=\"applylinks u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/share-trading\/etorofreestock-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%221080735a-7036-42d6-b09e-b8d8b6224438%22%2C%22product_name%22%3A%22eToro%22%2C%22offer_id%22%3A%225767%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFST%22%2C%22post_id%22%3A%22445935%22%2C%22post_path%22%3A%22share-trading%252Fshare-trading-guides%252Fshare-trading-glossary%252Fportfolio%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button\">Go to Site<\/a>\r\n<div class=\"has-margin-bottom-xsmall\">Capital at risk<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article><h3>Where can I see my stock portfolio?<\/h3><p>You can see your portfolio if you log in to your pension provider, share dealing platform or <a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">stocks and shares ISA provider<\/a>. If you have several different investment platforms then it\u2019s a good idea to keep a record of your total investment wealth. This will make it easier when it\u2019s time to complete your tax return or when you need to make investing decisions.<\/p><h3>What are the common types of investment?<\/h3><p>There are as many different types of investment as you can shake a stick at. These all, taken together, form your total investment portfolio.<\/p><p>Here are some of the most common types:<\/p><ul><li>Workplace pension scheme<\/li><li>Private pension scheme<\/li><li>Stocks and shares ISA<\/li><li>Share dealing portfolio<\/li><li>Individual share holdings<\/li><li>Cash savings<\/li><li>Buy to let property<\/li><\/ul><h3>Do I need an investment portfolio?<\/h3><p>Yes. You do need some sort of investment portfolio to provide an income in retirement and help you achieve your future financial goals. But what you invest in is up to you. You can build an investment portfolio to suit your needs.<\/p><h3>How to build a stock portfolio?<\/h3><p>There\u2019s no right way to build a portfolio. The main thing is to get stuck in and start investing.<\/p><p>You can pick individual shares or you can go for investment funds or ETFs. Many investors decide to start with a simple index tracker fund. That means you\u2019ll be invested in the whole stock market rather than in just a few companies. You also won\u2019t have to make any complicated investing decisions as the fund will be invested across a wide range of companies.<\/p><h3>Are all portfolios different?<\/h3><p>Every investor is different and their investment portfolio and investing strategy can be built to suit their aims and needs.<\/p><p>Short-term investors who are saving up for a house deposit may decide to invest in cash, because they will need the money soon. They don\u2019t have time to wait for the stock market to bounce back from a crash.<\/p><p>Long-term investors may choose to invest heavily in stocks and shares. Shares tend to outperform cash over a long time period, although prices are usually more volatile in the short term.<\/p><h3>What to consider when building a stock portfolio<\/h3><p>There are a few things to keep in mind when creating a portfolio as each investor is different and has different investing needs. You should think about your tolerance to risk and whether your portfolio is diversified.<\/p><p>Here are some of the things you should consider:<\/p><ul><li>Diversification: Don\u2019t put all your eggs in one basket but spread your investments across several companies, sectors, geographies and types of asset. This way you won\u2019t be affected too badly if one company fails.<\/li><li>Time horizon: This is the amount of time until you need to access your investment portfolio. If you\u2019re 30 years away from retirement you can probably afford to take more risk than if you\u2019re retiring in a few years.<\/li><li>Risk tolerance: This is affected by your time horizon and your attitude to risk. If you\u2019re super worried about losing money in a stock market crash then you may have a lower risk tolerance and decide to invest in fewer stocks and more bonds.<\/li><li>Investing principles: Some investors decide to invest in sustainable investments or avoid investing in certain industries or geographies.<\/li><\/ul><h3>What is diversification?<\/h3><p>Diversification is when you spread your investment portfolio between lots of different types of stocks and investment assets. For example, you could divide your investment between stocks, bonds, property and commodities.<\/p><p>Diversification is super important because it will lower your investment risk. You\u2019ll be less affected if one company fails or if a particular market sector is performing badly.<\/p><p>It\u2019s also possible to diversify your portfolio within a certain asset class. For example, you could invest 100% in stocks but pick a large range of stocks in different countries and market sectors such as <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/health-stocks\/pharmaceutical-stocks\">pharmaceuticals<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/invest-in-tech\">technology<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/energy-stocks\">energy<\/a>.<\/p><h3>What is risk tolerance?<\/h3><p>Not everyone is a thrill-seeker and everyone has a different risk tolerance. But having some risky investments in your portfolio can be a good thing. In general, risky investments have the potential to grow more over time.<\/p><p>Here are some factors to consider when thinking about your attitude to investing risk:<\/p><ul><li>How long is your time horizon? Are you investing for a few years or do you have a long time to wait for your investments to bounce back from a stock market slump.<\/li><li>How worried are you about investment volatility? Many investors don\u2019t mind a bit of stock market volatility as long as their investment portfolio grows in the long run. But if you\u2019re a nervous investor you might prefer a larger amount of less risky investments such as cash and bonds.<\/li><\/ul><h3>Which investments are the most risky?<\/h3><p>Some investments are more risky than others, but judging the most risky types of investment is difficult as it depends on so many factors. Generally these are considered to be high-risk investments:<\/p><ul><li>Smaller companies<\/li><li>Crowdfunding or peer-to-peer lending<\/li><li>Alternative investments including crypto or NFTs<\/li><li>Any non-diversified investments, for example a large shareholding in one company<\/li><\/ul><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 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28.76-68.66-3.72-7.46-15.06-9.15-32.34-7.25-48.92Z\" fill=\"#232021\"><\/path>\n      <path d=\"M134.42 114.69a3.64 3.64 0 0 1 4.21-3.18c14.6 2.38 27.46-8.95 25.65-24.62-.56-4.81-2.79-8.03-5.43-11.41-1.29-1.65-.91-4.1.87-5.21 19.12-12.03 38.77-2.34 49.97 16.28 13.73 22.83 14.14 57.77.65 80.79-18.88 32.22-52.57 28.76-68.66-3.72-7.46-15.06-9.15-32.34-7.25-48.92Z\" fill=\"#232021\"><\/path>\n    <\/svg>\n  <\/div>\n\n  <div class=\"eeQuote__finderLozenge--mobile\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" role=\"img\" aria-label=\"Finder\">\n      <circle cx=\"12\" cy=\"12\" r=\"12\" fill=\"#1D53FF\"><\/circle>\n      <g transform=\"translate(3 6.24) scale(0.0573)\">\n        <path d=\"M212.32 190.62a90.38 90.38 0 0 1-54.42-18.24c-15.63 11.79-34.77 18.24-54.42 18.24-49.84 0-90.39-40.55-90.39-90.39V9.83h199.24c49.84 0 90.39 40.55 90.39 90.39s-40.55 90.39-90.39 90.39Z\" fill=\"#fff\"><\/path>\n        <path d=\"M212.32 15.9c46.57 0 84.33 37.75 84.33 84.33 0 46.57-37.75 84.33-84.33 84.33-20.75 0-39.74-7.51-54.42-19.94-14.69 12.43-33.68 19.94-54.42 19.94-46.57 0-84.33-37.75-84.33-84.33V15.9h193.18m-.01-12.14H7.01v96.46c0 53.19 43.27 96.46 96.46 96.46 19.47 0 38.46-5.92 54.43-16.84 15.96 10.91 34.95 16.84 54.42 16.84 53.19 0 96.46-43.27 96.46-96.46S265.51 3.76 212.32 3.76\" fill=\"#232021\"><\/path>\n        <path d=\"M216.34 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93ZM105.92 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#212121\"><\/path>\n      <\/g>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: Why all investment portfolios are different<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"The beauty about investment is the amount of choice available. Your investment portfolio will look different to mine and no 2 investment portfolios will be exactly the same.<\/p><p>You can pick investments to suit your circumstances and your attitude to risk and you can shape your investment portfolio to suit your preferences and needs. If you don\u2019t know where to start then take a look at our article on how to pick stocks for beginners.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Zoe Stabler DipFA's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\">\n                            <\/figure>\n                                                            <div class=\"eeQuote__finderLozenge\">\n  <div class=\"eeQuote__finderLozenge--desktop\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"14\" viewbox=\"0 0 1320.32 251.3\" fill=\"none\" role=\"img\" aria-label=\"Finder\">\n      <path d=\"M461.05 18.35h113.51c5.18 0 9.12 4.66 8.25 9.77l-5.53 32.68a8.37 8.37 0 0 1-8.25 6.98H505.5c-4.03 0-7.49 2.87-8.23 6.83l-4.6 24.55c-.97 5.15 2.99 9.91 8.23 9.91h57.05c5.2 0 9.14 4.68 8.25 9.8l-5.14 29.64a8.38 8.38 0 0 1-8.25 6.94h-63.04c-4.05 0-7.53 2.91-8.24 6.9l-11.77 65.83a8.375 8.375 0 0 1-8.24 6.9h-35.89c-5.21 0-9.15-4.7-8.24-9.83l35.43-199.98c.71-4 4.18-6.91 8.24-6.91ZM606.9 77.49h30.37c6.25 0 10.98 5.64 9.89 11.8l-24.31 137.49c-.85 4.8-5.02 8.3-9.89 8.3h-30.37c-6.25 0-10.98-5.64-9.89-11.8l24.31-137.49c.85-4.8 5.02-8.3 9.89-8.3m3.71-23.44c-4.75-4.85-7.12-10.68-7.12-17.49 0-7.43 2.83-13.93 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0-48.69-9.2-66.68-24.43-18 15.23-41.26 24.43-66.68 24.43-57.06 0-103.32-46.26-103.32-103.32V23.64h236.69m-.01-14.87H13.24v118.19c0 31.57 12.29 61.25 34.62 83.57 22.32 22.32 52 34.62 83.57 34.62 23.86 0 47.12-7.26 66.68-20.63 19.56 13.37 42.83 20.63 66.68 20.63 31.57 0 61.25-12.29 83.57-34.62 22.32-22.32 34.62-52 34.62-83.57s-12.29-61.25-34.62-83.57c-22.32-22.32-52-34.62-83.57-34.62Z\" fill=\"#232021\"><\/path>\n      <path d=\"M269.72 114.69a3.64 3.64 0 0 1 4.21-3.18c14.6 2.38 27.46-8.95 25.65-24.62-.56-4.81-2.79-8.03-5.43-11.41-1.29-1.65-.91-4.1.87-5.21 19.12-12.03 38.77-2.34 49.97 16.28 13.73 22.83 14.14 57.77.65 80.79-18.88 32.22-52.57 28.76-68.66-3.72-7.46-15.06-9.15-32.34-7.25-48.92Z\" fill=\"#232021\"><\/path>\n      <path d=\"M134.42 114.69a3.64 3.64 0 0 1 4.21-3.18c14.6 2.38 27.46-8.95 25.65-24.62-.56-4.81-2.79-8.03-5.43-11.41-1.29-1.65-.91-4.1.87-5.21 19.12-12.03 38.77-2.34 49.97 16.28 13.73 22.83 14.14 57.77.65 80.79-18.88 32.22-52.57 28.76-68.66-3.72-7.46-15.06-9.15-32.34-7.25-48.92Z\" fill=\"#232021\"><\/path>\n    <\/svg>\n  <\/div>\n\n  <div class=\"eeQuote__finderLozenge--mobile\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" role=\"img\" aria-label=\"Finder\">\n      <circle cx=\"12\" cy=\"12\" r=\"12\" fill=\"#1D53FF\"><\/circle>\n      <g transform=\"translate(3 6.24) scale(0.0573)\">\n        <path d=\"M212.32 190.62a90.38 90.38 0 0 1-54.42-18.24c-15.63 11.79-34.77 18.24-54.42 18.24-49.84 0-90.39-40.55-90.39-90.39V9.83h199.24c49.84 0 90.39 40.55 90.39 90.39s-40.55 90.39-90.39 90.39Z\" fill=\"#fff\"><\/path>\n        <path d=\"M212.32 15.9c46.57 0 84.33 37.75 84.33 84.33 0 46.57-37.75 84.33-84.33 84.33-20.75 0-39.74-7.51-54.42-19.94-14.69 12.43-33.68 19.94-54.42 19.94-46.57 0-84.33-37.75-84.33-84.33V15.9h193.18m-.01-12.14H7.01v96.46c0 53.19 43.27 96.46 96.46 96.46 19.47 0 38.46-5.92 54.43-16.84 15.96 10.91 34.95 16.84 54.42 16.84 53.19 0 96.46-43.27 96.46-96.46S265.51 3.76 212.32 3.76\" fill=\"#232021\"><\/path>\n        <path d=\"M216.34 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93ZM105.92 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#212121\"><\/path>\n      <\/g>\n    <\/svg>\n  <\/div>\n<\/div>\n                                                    <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/zoestabler\" itemprop=\"url\" target=\"_blank\">\n                                Zoe Stabler DipFA\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Senior writer<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>Bottom line<\/h3><p>Starting a stock portfolio is the first step to building your investment wealth. It\u2019s a good idea to sit down and think about your circumstances, when you will need to access your investment and your attitude to risk.<\/p><p>Also consider how you can diversify your portfolio and make sure your investments are spread out across many sectors and geographies. Then it\u2019s time to get down to the fun part: picking your investments.<\/p><h3 id=\"faqs\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What exactly is a portfolio?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A portfolio is simply a word to describe all the investment assets you own. It could include your pension, any shareholdings, your stocks and shares ISA and any investment property you own.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How do I make a portfolio?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can make a portfolio in several ways. Most people build a portfolio gradually over time with regular investing. Other people end up with more wealth in one go due to an inheritance or a windfall. If this happens to you then it\u2019s a good idea to get some financial advice to help you decide where to invest.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What does a good investment portfolio look like?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A good investment portfolio will vary between investors and depend on your circumstances.<\/p><p>You should think about your attitude to risk and the amount of time until you need to access your funds before deciding on your investments.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Why do you need an investment portfolio?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You need an investment portfolio to help to build up wealth for your retirement. In the UK, the current state pension is only \u00a3179.60 per week. If you have an investment portfolio you can top up this amount to make sure you have a comfortable retirement income.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">How do you maintain an investment portfolio?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you want to maintain an investment portfolio it\u2019s important to regularly review your investment portfolio to check it still lines up with your investing aims. If you\u2019re nearing retirement then your attitude to risk may have changed. 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