How to Build a Stock Portfolio [7 Steps to Create It from Scratch]

Do you want to start investing in the stock market? Have you ever wondered how to build a portfolio but don’t know where to start? If so, this article is for you.

What is an Investment Portfolio?

An investment portfolio is a collection of investments that investors choose to meet specific goals. The goal could be to save for retirement, create passive income, reach financial independence, or something else.

Building an Investment Portfolio with Risk Tolerance in Mind

The first step to building an investment portfolio is determining your time frame and risk tolerance.

How to Build an Investment Portfolio from Scratch

The first step is to decide if you want help. Focus on asset allocation and risk tolerance, diversify, and choose investments for your age, goals, and investing timeframe. Then, choose the proper brokerage accounts.  Here is more detailed information about these steps:

1. Decide if You Want Help

Individuals, companies, and AI software can help you invest if you want financial advice to build your portfolio.

Financial Advisors

A financial advisor provides investment management, investment portfolio building, retirement planning, insurance needs and answers questions about other money matters.


With a robo-advisor, you get all the benefits of a professionally managed portfolio without paying high fees.

DIY Investing

If you have the time and interest to research stocks, ETFs, and mutual funds, and you feel confident in your ability to make informed decisions, then you could consider investing on your own.

2. Choose the Right Investment Accounts

When building an investment portfolio from scratch, choosing the proper investment accounts is essential. For example, in addition to a retirement account, you might want to consider opening a high yield savings account.

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