Taking the first step in investing can seem intimidating. Many are worried about not knowing where to start or are afraid of making mistakes. But don't worry! , because creating a portfolio doesn't have to be complicated.
At Hapi, we believe that everyone can build a portfolio that fits their risk profile.
In this article, we'll walk you through it step by step so you can build your portfolio with confidence.
Además, podrás tener ejemplos de portafolios gracias a Hapi-folio IA, aunque recuerda que no son recomendaciones de inversión.
An investment portfolio is a set of financial assets that a person or entity holds. Its purpose is to maximize performance while minimizing risk, through the correct allocation of resources.
Each investor has a unique profile based on their risk tolerance, time horizon and financial objectives. Adapting the portfolio to your specific needs is essential for achieving sustainable results.
Every person has a different threshold when it comes to dealing with potential losses. It is essential to identify your comfort level for taking risks, as this will directly influence the selection of your assets.
Ask yourself: How much would you be willing to lose without panicking? Reflect on your previous experience and your reaction to market fluctuations.
The time horizon is the period you plan to hold an investment before you need the money:
Remember: Financial education is key to making intelligent decisions.
In Hapi, you can access educational resources that will help you improve your understanding.
Every investor has personal preferences. Some prefer high-growth technology stocks, while others opt for dividends or diversified strategies with ETFs.
In this video, you'll learn how to identify your risk profile and how to use it to choose the best investment strategies for you.
Hapi-folio IA te ayuda en esos primeros pasos, aunque es solo un punto de partida. Si quieres hacerlo tú mismo, recuerda seguir estos puntos:
1. Clear definition of financial objectives: Before investing, identify what you need the money for. Are you saving for retirement, buying a home or generating additional income? Having clear objectives will help you select the right assets.
2. Honest assessment of your risk profile: Based on your risk tolerance, determine if you prefer stability or growth. Use tools and questionnaires to evaluate your profile and make decisions according to your comfort level.
3. Selecting suitable assets: Choose a combination of stocks, bonds and ETFs that aligns with your objectives and risk profile. Remember to diversify to mitigate risks.
4. Determining allocations: Distribute your capital among the selected assets according to your priorities. For example, a conservative profile might allocate more to bonds, while an aggressive profile would opt for more actions.
Don't forget that the market is constantly changing. Make regular adjustments to keep your portfolio aligned with your objectives and risk profile.
Creating your first portfolio may seem challenging, but with a clear strategy and adequate resources, it's totally attainable. The key is to define objectives, to know your profile and to maintain constant management.
At Hapi, we provide you with the tools you need to start investing with confidence. Start building your financial future today!
Hapi is an application that allows you to easily invest in stocks, cryptocurrencies and ETFs on the United States stock exchange from Latin America. You don't need large amounts and it's ideal if you're a beginner.
Puedes ganar dinero comprando activos y vendiéndolos a un precio mayor cuando suban de valor. También puedes recibir dividendos de algunas acciones y ETFs sin venderlas.
Yes Hapi is regulated by the SEC and is a member of FINRA. Your assets are protected up to $500,000 by SIPC and guarded by Apex Clearing, which manages billions of dollars.
Hapi is available in more than 18 countries in LATAM and Spain. You can access it from the app on iOS, Android and also in the web version.
We don't charge broker fees or account maintenance fees, but there is a closing fee of $0.10 (for whole shares) and $0.15 (for fractions) per transaction.
Depositing to Hapi has a small cost depending on the method you use, to cover the costs of sending money to the U.S. In addition, we have an inactivity fee of $1.99 per month for accounts with less than $1,000 that haven't been active in 60 days or more
You only need to be 18 years of age or older, not the CEO of a publicly traded company or a politician with power. Registration takes less than 5 minutes, then make a deposit and verify your account. It's that easy to get started!
There are no minimum deposit amounts. You can start investing with as little as $5 in stocks and $1 in cryptocurrency. You don't need to buy an entire share, you can buy fractions and diversify your portfolio.
Member ofFINRA and SIPC
All investments involve risk, including the loss of capital. Hapi offers self-directed investment accounts for those investors who feel comfortable managing their own investments. For a full list of our disclosures, please visit our disclosures pages. Certain fees may apply to certain products, operations, and investments, please refer to our full fee schedule.