Taking the first step to invest can feel intimidating. Many people worry about not knowing where to start or are afraid of making mistakes. But don't worry — building a portfolio doesn't have to be complicated.
At Hapi, we believe everyone can build a portfolio that fits their risk profile.
In this article, we'll walk you through step by step so you can build your portfolio with confidence.
Also, in Hapi Portfolio Learning Studio you can see illustrative examples of diversified portfolios — these are for educational purposes only, are not based on your personal answers, and are not investment recommendations.
Un portafolio de inversión es un conjunto de activos financieros que una persona o entidad posee. Su propósito es optimizar la relación riesgo-retorno, mediante la correcta asignación de recursos.
Each investor has a unique profile based on their risk tolerance, time horizon, and goals. Adapting your portfolio to your needs is essential to reaching your goals. Take advantage of Hapi's resources to build your first portfolio.
Each person has a different threshold when it comes to facing potential losses. It's essential to identify your comfort level with taking on risk, since this will directly influence your asset selection.
Ask yourself: How much would you be willing to lose without panicking? Reflect on your past experience and how you've reacted 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 informed 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 investment strategies based on your objectives.
Educational content. Hapi Securities LLC (member of FINRA and SIPC) operates on a self-directed basis and does not provide investment recommendations. Investing involves risk, including the potential loss of principal.
Hapi Portfolio Learning Studio walks you through these same steps interactively as an educational starting point—it does not build or assign a portfolio for you:
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 educational resources to help you invest with confidence. Try the Hapi Portfolio Learning Studio to explore illustrative examples, continue learning with our resources, and decide for yourself which investments align with your goals.
Puedes obtener ganancias si compras un activo y luego lo vendes a un precio mayor si su precio aumenta. Algunas acciones y ETFs también pueden pagar dividendos mientras los mantienes, aunque estos pagos no están garantizados.
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 $4.99 per month for accounts with less than $100 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.