BeginnerFriendly Balanced Starter Portfolio
Lowbarrier, diversified portfolio for new investors with no prior experience, focused on longterm steady growth with minimal volatility.
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No problem at all — I’ve put together a super beginner-friendly starter portfolio for you above, and I’ll walk you through exactly what to do step by step, no prior knowledge needed.
First, this is why the portfolio is built for people new to investing:
It only includes 4 low-risk, highly liquid assets that are easy to understand, with no complicated products:
- 40% SPY (S&P 500 ETF): This is the most popular broad market ETF in the US, it tracks the top 500 largest US companies (like Apple, Microsoft, Amazon) so you don’t have to bet on a single stock. It’s the safest "core" holding for long-term growth.
- 30% 02800.HK (Hang Seng Index ETF): Tracks the biggest blue-chip companies listed in Hong Kong (like Tencent, HSBC), diversifies your risk so you’re not only exposed to the US market.
- 20% AAPL (Apple): The world’s largest and most stable tech company, with consistent cash flow, regular dividends, and far less volatility than smaller tech stocks.
- 10% DELL: A low-risk pick for AI growth, it’s one of the biggest suppliers of AI servers globally, and has steady business fundamentals instead of the wild swings of smaller unprofitable AI stocks.
If you want to get started, here’s exactly what to do next on RockFlow:
- First complete the account opening process (it only takes 5-10 minutes, we support identity verification for most regions)
- Once your account is approved, deposit the amount you want to invest (we recommend you only invest money you won’t need for the next 2-3 years, so you don’t have to sell at a loss if the market dips temporarily)
- You can directly buy the assets in the portfolio above in one click via the portfolio card — the app will automatically calculate how many shares of each you can buy based on your deposit amount, you don’t have to do the math yourself.
If you have a specific amount you’re planning to invest, or if you want to adjust for more/less risk, just tell me and I’ll tweak it for you.
Disclaimer: This portfolio is for reference only and does not constitute investment advice. All investments involve risk, past performance is not indicative of future results. (Data source: RockFlow real-time market data as of 2026-06-01)
Beginner-Friendly Balanced Starter Portfolio
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