What is asset allocation? It is how you split money across types of investments — stocks, cash, metals, crypto — rather than which single name you bought on a Tuesday. Research on professional portfolios often finds that the mix explains more of the outcome than brilliant ticker selection.
Why allocation dominates
A great stock in a 3% slot cannot save a plan that is 90% in one coin. A boring mix that you hold can beat a clever mix that you abandon.
Risk is personal
Two people with the same age can need different mixes because of job stability, dependents and temperament. Copying a stranger’s pie chart is not a fiduciary process.
Revisit without tinkering
Life changes: house, children, sale of a business. Markets change too. Update weights on a schedule, not every time a podcast shouts.
Cash is part of the pie
Allocation includes what you do not invest. A 0% cash plan with a leaky roof is a plan to sell at the worst time.
Tools
You need assets you can actually buy and a place to see the pie. That is a platform problem as much as a theory problem. Orizon Invest gives you the building blocks in one login.
