From the Learn Hub
Learn Hub
More glossary terms
- JOLTS (job openings and labor turnover survey)
- Earnings per share (EPS)
- Nasdaq composite
- Unit
- Value investing
Portfolio definition
If you’re an investor, this is the collection of investments and assets that you’re investing in.
What is a portfolio?
If you’re an investor, your investment portfolio is the collection of assets that you’re currently investing in. It can include stocks, funds, property, commodities – literally anything you invest in forms part of your ‘portfolio’. It’s where you have market exposure, and in that sense, it’s where your money is currently exposed to risk.
How to build a portfolio
To build a portfolio yourself, you’ll need to understand the different risk levels of the assets that you’re looking to invest in. If you feel confident doing that, a simple rule of thumb is to have the majority of your portfolio in stocks, funds, and bonds. This will help to diversify your exposure.
Learn about the risk levels of different assets
If you don’t want to build your own portfolio, you can usually jump into the action with pre-made portfolios. Examples include the Moneybox Starting Options, which are just that – expertly created pre-made investment portfolios that aim to give you different levels of return depending on your attitude to risk.
Learn more about investing with Moneybox
All investing should be long term (min. 5 years). The value of your investments can go up and down, and you may get back less than you invest.
Investing glossary
It's important you know
Capital at risk. All investing should be for the longer term. The value of your investments can go up and down, and you may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change in the future.
A 25% government penalty applies if you withdraw money from a Lifetime ISA for any reason other than buying your first home (up to £450,000) or for retirement, and you may get back less than you paid into your Lifetime ISA.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Payments you make into your pension won’t be accessible until the minimum pension age (currently 55, increasing to age 57 from 2028). Tax treatment depends on individual circumstances and may be subject to change in the future.
For Business Saver: T&Cs apply. Max one withdrawal per day.