12Part II — The Investor's Workshop: Method, Valuation and Risk
Chapter 12
Your own process and portfolio plan
All the lessons in one system: portfolio layers, a decision journal, rebalancing and your own ‘investor's charter’. Time for champagne — well earned.
For eleven chapters, we have been gathering tools. Now we need to put them on the right shelves. Because a process is not a list of good advice — it is a system that also works on a bad day, when you are tired after a night shift.
Portfolio layers
Worked example
An example of portfolio architecture
- Emergency fund
- 6 months of expenses — outside the market
- Core (broad-market ETFs)
- 75–85% of capital
- Satellites (selected stocks)
- 10–20% of capital
- CryptoPark
- up to 5% of capital
This is an example of a structure, not a recommendation of proportions. Your layers depend on your age, goals and tolerance for risk.
Decision journal
Write down every decision before acting on it: what you are buying, why, how much you could lose, when you will exit. After three months, come back and compare. The journal shows not whether you were lucky, but whether your process works.
Marioshift mate
Well then, Bart? When are we opening the champagne?
Bartnarrator
When the plan works the way I designed it. Not before.
Dirkforeman
Let me know when it does. I'll bring glasses from the canteen.
Nothing ventured, no champagne drunk. But take risks without a plan, and you usually pay for someone else's.
14 / 14 · Educational content, not investment advice.