Build your perfect portfolio.

The article stresses the need for investors to diversify their investment portfolio. It explains the effects of asset selection on the total return and volatility of an investment. It describes different types of investments, such as stocks and bonds, and presents three model portfolios that an investor can adopt. It also advises investors to invest in funds that seek growth stocks as well as those that specialize in value stocks. INSETS: Long-term: 10+ years away;Medium-term: 5 to 10 years;Short-term: Fewer than 5 years.