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How to Build an Investment Portfolio According to William Schantz

How to Build an Investment Portfolio

Does the idea of building an investment portfolio make you feel intimated and confused? According to William Schantz, that should not be the case. Because even if building one sounds hectic, it does not need to be.

All one needs is a bit of patience, planning, and help. With these three things, coming up with an impressive portfolio becomes a piece of cake.

What is an Investment Portfolio?

In simple words, an investment portfolio is having all your assets in one place.

Of course, not literally. It is a collection of information that depicts the range of investments held by a person or an organization. This range includes everything from stocks to exchange-traded funds.

The more diverse, the better, suggests William Schantz.

William Schantz‘s Steps to Create an Investment Portfolio

Once again, this is not something that should intimidate anyone.

Building an investment portfolio is not that hard. All one has to do is follow a few steps.

  • Open an investment account.
  • Allocate assets.
  • Divide capital investments within assets.
  • Rebalance.

It is as simple as it gets. So, let us look at all these steps further in detail, especially to ensure that you build the best investment portfolio of all times.

Opening an Investment Account

An investment account is basically a brokerage account and a taxable one at that.

Such an account helps to make various investments while paying taxes along the way. The plus point of having a taxable brokerage account is that one can withdraw money at any point. And to open one, the best way is to get in contact with a broker.

William Schantz’s secret tip: do not forget to discuss the account opening fee with your broker.

Allocate Assets

Your portfolio needs to depict how much of each asset is present inside it.

One’s risk tolerance helps to make the distinction here. Risk tolerance assessment allows seeing how much loss one can bear if it comes about. That depends on the needs that an individual tries to fulfill through their investments.

For example, is it more important to have an investment that provides short-term gains or one that is enough for life after retirement? If it is the latter, would certain losses to build that investment be bearable?

It is also good to remember that an investment portfolio is not the same for all age groups. Hence, decisions should reflect the needs that one has. For example, would investing in stocks or bonds provide more gains in current times or not?

Divide Capital Investments Within Assets

This is where you decide how much money goes to each asset you pick. According to William Schantz, it is vital to spread your money out among different kinds of assets.

This provides a much more stable investment in case either one turns out to be non-profitable. Why? Because in case you invest all your capital in one, and it does not work out, all your money will go away.


The last step is rebalancing your investment portfolio every few months. Usually, people do this every 6 to 9 months to ensure that their investments are safe in case of a significant shift in any one form of asset.

Hence, it is crucial to get together with your broker or manager every now and then to rebalance.

William Schantz’s Advice

One piece of advice only; do not panic. Building investment portfolios might take time, but they are worth the effort, as per William Schantz. They provide a summarized version of where one’s assets are. Along with how much investment is at stake.

Thins that every investor should keep a check on.