My Investment Portfolio
My Investment portfolio consists of 10 million in ETF’s and 5 million in Crypto… Well not quite. Actually, yeah very inaccurate.
If I had that sort of money at 28 years old, would I be writing this post? Perhaps, but likely on a beach, in the Cayman Islands.
If I were sitting on millions, the likelihood you would read on would be slim, instead, let’s make it more realistic, which is what this whole section aims to do. I started from 0, in terms of zero knowledge around investing and literally zero pounds in terms of capital - which is fairly common a place to start, but it’s what you do next that sets you apart. Queue the inspirational quote…
“80% of results come from 20% of efforts”
Remembering this is powerful as an investor, focusing on products which yield solid returns and making these the priority, sets you apart. Disassociate from the outside noise and focus instead on the outcomes you intend to achieve.
Anyway, let’s dive straight in.
I will continue to update this, assume this portfolio is $100k
Quite a few products I know. When I first started investing, I had no idea what Crypto or an ETF was.
I had no idea what my risk appetite was and how that correlated to my long term investing goals.
What I did know, is that money sitting in my Barclays account was relatively useless, especially when considering the interest it earns is both miniscule and impermissible according to my beliefs.
However, what became apparent is through research and analysis, figuring out my risk appetite, time horizon, life trajectory etc, putting together an investment portfolio is actually quite simple without the need to be a qualified financial analyst or portfolio manager.
Why choose the above products, you may ask.
Well I got you. Sit back, grab a note-book, some popcorn and be amazed… or bored out of your mind, either way listen-up.
Exchange Traded Funds (ETFs)
ETFs are baskets of securities— usually in the form of stocks, that trade on an exchange, offering instant diversification and typically lower fees than mutual funds. They're great for building a balanced portfolio with broad market exposure and reduced risk.
The platform I use: Wahed Invest
Individual Stocks (e.g., Big Tech Stocks)
Investing in individual shares of tech giants like Apple, Microsoft, or Google provides potential for high growth and direct ownership in market-leading companies. These stocks can outperform the market over time, especially with strong innovation and global influence.
The platform I use: AJ Bell
Crypto (Bitcoin, Ethereum, Solana, Cardano)
Cryptocurrencies are decentralized digital assets that offer high growth potential and diversification beyond traditional markets. Bitcoin and Ethereum are seen as the most established, while Solana and Cardano add exposure to innovative blockchain ecosystems.
The platform I use: Coinbase
Venture Capital
Venture capital involves investing in early-stage startups with high growth potential, often before they go public. While risky, it can yield significant returns and gives exposure to innovation-driven sectors.
The platform I use: Cur8 Capital
Income Fund (Sukuks)
Sukuks are Sharia-compliant bonds that generate regular income and are backed by tangible assets. Ideal for conservative investors, they add fixed-income stability to portfolios with an ethical investing component.
The platform I use: Cur8 Capital
Pension Fund
Pension funds are long-term retirement savings vehicles that invest in a diversified mix of assets, managed professionally for steady growth. They provide financial security in retirement through disciplined, often employer-supported contributions.
The platform I use: Aviva
REITs (Real Estate Investment Trusts)
REITs allow investors to access income-generating real estate without owning physical property, offering high dividends and liquidity. They help diversify portfolios and provide a hedge against inflation.
The platform I use: Cur8 Capital
As I became more accustomed to investing, my asset class grew, that’s how you build diversification.
Also, how you hedge against volatile markets, macro economics influences and geopolitical issues. It also helps me sleep knowing that whilst Trump increased tariffs which plummeted the stock markets and consumer confidence, at least my fixed income less volatile asset class will be protected.
It is common that whilst one asset class may be benefiting hugely - Bitcoin bull runs, real-estate booms and new tech start-ups shooting up. Your other asset classes may be free-falling. The bigger picture is building up a portfolio that is agnostic (easier said than done) to these external factors.
This builds you up to be a better, more intentional investor.
Let me know what you’re investing in.
