A diversified portfolio holds more than one kind of investment so a single company, sector, or bet does not decide the outcome. Asset allocation is the name for the split: how much in stocks, how much in bonds, how much in a broad index.
Hespera organizes that split as separate stock, bond, and index plans. You can hold more than one plan. The mix can still fall when markets fall together. Investing can lose capital.
Start with the horizon. A long horizon can hold a larger stock and index sleeve. A short horizon belongs mostly in cash, with any invested sleeve small enough that a decline does not force a sale.
Then avoid three concentrations: one company, one industry, and one maturity date. Stock plans and index plans address the first two by holding a basket. Bond plans address a different risk, the risk of owning only equities, and they bring interest-rate risk of their own.
It does not make every year positive. Stocks and bonds have fallen in the same year. A diversified portfolio is a way to avoid a total loss from one holding, and a way to match the mix to the horizon. The account still has to be in your name, and documents still have to pass review.
A mix of investments that does not depend on one company or one idea. A common mix is stocks, bonds, and a broad index. The whole mix can still decline.
The percentages you choose for each sleeve. Hespera expresses the sleeves as stock, bond, and index plans. You pick the plans and the amounts.
Enough to match the split you wrote down. One broad index plan is already more diversified than one stock. Adding a bond plan changes the mix again. Each plan has its own minimum on the catalog.
Educational pages about how to invest, ETFs, index funds, and retirement are not investment advice. Investing involves risk, including possible loss of capital. Past performance does not guarantee future results. Hespera plans are private portal plans. This page is not a claim of government registration.