Diversifying investments: How to create a diversified investment portfolio

Investing is a powerful tool to build your financial future, although it is important to highlight that it is not without risks. With this in mind, one of the most repeated recommendations in the world of personal finance is clear: you should not forget to diversify your portfolio.

And no, this recommendation doesn't come simply by coincidence from a series of problems. Investment diversification not only helps reduce exposure to losses, but it also allows you to better take advantage of the opportunities offered by the financial market.

Throughout this article, we are going to explain what diversification really means, how you can do it simply, and how including products like the ones we offer at Inversa can help you build a stronger and more balanced portfolio.

What does it mean to diversify an investment and why is it important?

Investment diversification means distributing your capital among different assets, sectors, geographical areas, or even time periods. Instead of putting all your eggs in one basket, it's about building a portfolio that combines different sources of returns and risk.

Why is it important? Because not all assets behave the same way when market fluctuations occur. While some go down, others may remain stable or even increase. This combination is what allows your portfolio to remain more balanced over time.

At Inversa, we are a key platform for diversifying investments since we offer access to a platform that is not only completely safe to invest in, but also gives access to a wide variety of companies to invest in. It is even possible to create your own Inversa community so that trusted individuals can invest in your business.

Benefits of a diversified portfolio

Let’s dive into some of the main benefits of diversifying an investment portfolio.

• Risk reduction - The main goal of diversification is to reduce exposure to a single asset. If one part of your investment suffers losses, others can offset them. This helps protect your wealth against unforeseen events.


• Stability in volatile markets - Diversified portfolios tend to experience fewer fluctuations. This is especially relevant in contexts like the current one, with macroeconomic uncertainty and still-high interest rates.


• Long-term growth potential - A good diversification not only protects but can also boost your results. By combining more stable assets with those offering higher potential returns, you can improve the performance of your investment over time.

Types of diversification you can apply

• Asset diversification - Combining fixed-income products, equities, real estate assets, or alternative investments (like crowdlending) is an effective way to balance risk and return.


• Geographical diversification - This involves diversifying your portfolio by investing in different regions or countries. This can be divided into national investments (distributing investments across various areas within a single country) or international investments (combining a geographical area that groups different states or even investing in separate countries).


• Temporal diversification - Not everything is invested at the same time. You can make periodic contributions to smooth out the impact of volatility.

How to start building a diversified portfolio

• Evaluate your risk profile - Are you conservative, moderate, or dynamic? Your risk tolerance will determine which types of assets you should prioritize and in what proportion.


• Define goals and time horizon - It is important to know that investing to complement your retirement is different from investing to buy a car in three years. Your goals set the path.


• Choose the right products - Go for a consistent mix of assets: fixed income, equities, deposits, Treasury bills, alternative investments… And make sure you understand how each one works.

In the case of options like crowdlending, this allows individual investors to finance companies through platforms like Inversa. Thanks to this, you can access attractive returns in exchange for assuming a well-studied risk. You can invest from small amounts, spread your investment across different operations, and choose terms tailored to your plan.

Example of a diversified portfolio based on investor profile

Conservative profile - low risk

• 50% fixed income (options like bonds, Treasury bills)


• 20% high-interest savings account or deposits


• 20% crowdlending (short terms, low risk)


• 10% defensive equities

Moderate profile - balanced risk

• 40% fixed income


• 30% equities


• 20% alternative investment


• 10% liquidity or deposits

Dynamic profile - high growth potential

• 50% equities


• 30% alternative investment


• 10% fixed income


• 10% liquidity or opportunity accounts

How to keep your portfolio balanced over time?

Diversification is the first step. The second step is reviewing and adjusting. Your profile may change over the years, as well as market conditions. Review your portfolio at least once a year and assess if the percentages still reflect your situation and goals.

At Inversa, we believe that diversification is the best tool for small and medium investors to grow without exposing themselves unnecessarily. If you want to include alternative investments as part of your strategy, you can count on us.