Riskfolio

Because diversification is not simply buying different assets, but allocating capital proportionally to your tolerance for temporary loss and your investment horizon. A conservative profile prioritizes capital preservation; an aggressive one accepts greater volatility seeking exponential long-term returns.

Fixed Income / ETFs includes government bonds (US Treasuries, TES), indexed ETFs (SPY, QQQ), and term deposits. Crypto Large-Cap covers Bitcoin (BTC) and Ethereum (ETH) for their greater liquidity and maturity. Altcoins / DeFi includes high-volatility, high-asymmetry protocol tokens (e.g., SOL, LINK, governance tokens). Reserve is immediate liquidity in stablecoins (USDC/USDT) or cash.

No. It is a parametric macro distribution model. It shows you allocation percentages by asset category, not specific instruments. What stocks, cryptocurrencies, or bonds to buy within each category is your responsibility after doing your own research (DYOR).

It depends on the profile. As a general reference: the conservative profile can rebalance annually. The moderate one every 6 months or when a category deviates more than 5% from the target allocation. The aggressive one may need quarterly adjustments given the high volatility of its positions.