Smart, disciplined, and regular investment from an early age is the best way to grow and mature your wealth.  The key to intelligent investing is diversification.  A diversified portfolio minimizes risks over a long-term investment horizon while helping you achieve your financial goals.

When you start early, you learn the value of disciplined savings as you continue to plan for your life goals.  You will see your portfolio react to your decisions, enhancing your investment experience and encouraging you to continue to remain disciplined.  You may begin with a mix of cash, stocks, Sukuk, bonds, government securities and mutual funds.  Once you have developed confidence in your decision-making abilities and accumulated sufficient capital, you may further diversify into areas such as global markets and real estate. We share here with you a few guidelines on how to go about diversifying your investment holdings.