How to Build Your Investment Portfolio (The Portfolio Pyramid!)
The Personal Finance Podcast
Speculation tier explained
Andrew defines the speculation tier (≤10%), assets without intrinsic value like crypto, gold, collectibles, and risks.
Most new investors start building their portfolio completely backwards. Here is the exact framework to build it the right way from the very first dollar.
👉 Join Andrew's FREE Portfolio Pyramid Masterclass.
What You'll Learn in This Episode
- The complete Portfolio Pyramid framework and exactly how much of your money belongs in each of the three tiers
- Why the foundation should make up 80% of your portfolio and what happens to your wealth when you skip it
- The specific index funds and ETFs that belong in your foundation and why they outperform most professional money managers
- What the growth layer is, what goes in it, and the individual stocks Andrew is personally buying right now
- When you have actually earned the right to add speculative assets to your portfolio and how much is too much
- The biggest mistakes investors make at every tier and how to avoid all of them
- Four advanced Q&As covering a guaranteed $99K teacher's pension, lowering taxes on a $1M 401k rollover, Medicare costs in retirement, and protecting your portfolio as you age
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Tool/s Mentioned
Resource/s Mentioned
Episode/s Mentioned
- The Simple Path to Wealth (With J.L. Collins)
- The Biggest Retirement Mistakes People Make (Avoid These!) Jesse Cramer
Watch Next
- How to Invest Your First $10K
- The Financial Priorities That Matter Most (By Life Stage)
- AI Is Coming for Your Job. Here's How to Prepare Financially
- How to Reduce Your Car Insurance (And Save Thousands)
- The $10K, $100K, $1M Milestones That Change Everything
Connect with Andrew
Question for you:
Where are you right now in the Portfolio Pyramid? Are you still building your foundation, starting to add growth layer investments, or have you moved into speculation territory?
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