How Do I Build a Diversified Portfolio That Fits My Risk Tolerance?
Wed Feb 04 2026
How do you build an investment portfolio you can actually stick with—when markets get volatile and when they’re ripping higher?
In this episode of The Market Moment, Matt, John, and Isaac break down what it really means to build a diversified portfolio that fits your true risk tolerance, not just the one you think you have during a bull market. From fear and greed to rebalancing discipline, the conversation digs into why portfolio construction is harder today than ever—even though access to investing has never been easier.
The team shares real-world examples of market drawdowns, investor behavior, and why knowing why you own each investment matters more than chasing performance. They also explore how diversification goes far beyond “stocks vs. bonds,” touching on annuities, international equities, alternatives, commodities, and the recent volatility in gold and silver—and what those moves mean (and don’t mean) for long-term investors.
Key topics include:
➡️ How to assess your real risk tolerance (and why most investors overestimate it)
➡️ Fear vs. greed and how emotions derail long-term plans
➡️ Why timing the market means being wrong twice
➡️ Rebalancing strategies—and how often is too often
➡️ Stocks vs. bonds vs. annuities: what role each can play
➡️ U.S. vs. international investing and sector diversification
➡️ Alternatives, private markets, and what to watch out for
➡️ Gold and silver volatility—and why perspective matters
➡️ Building a portfolio you can stick with in good times and bad
The episode wraps with a timely discussion on recent moves in precious metals, why big price swings can test investor discipline, and how having a clear investment plan helps cut through the noise.
Enjoyed the episode? Don’t forget to:
👍 Like 💬 Comment with your biggest investing challenge. You can email us your questions at TheMarketMoment@mach1fg.com
🔔 Subscribe to The Market Moment for weekly conversations on markets, investing, and financial planning on YouTube!
#diversification #investing #riskmanagement #portfolioconstruction #financialplanning #themarketmoment #marketpsychology #longterminvesting
🍿 Watch Next: Eli's latest Data Brief.... https://www.youtube.com/watch?v=8VAQZvQRhIE&t=1s
🎙The Market Moment Podcast! Last week's episode... https://www.youtube.com/watch?v=ydvl4eQgu_s&t=1370s
We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379
Give us a follow on Instagram! @themarketmoment https://www.instagram.com/themarketmoment/ www.instagram.com/themarketmomemt/
📌 About The Market Moment Podcast: Hosted by advisors from Mach 1 Financial Group, LLC — a Registered Investment Advisor located in Rogers, Arkansas. We break down market trends, personal finance, retirement planning, and investing topics every week for everyday investors.
⚠️ Disclosure: The views expressed in this video are solely the opinions of the participants and are provided for informational purposes only. They should not be construed as investment advice, a recommendation, or a guarantee of future performance. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Any securities or companies mentioned are for illustrative purposes only and do not constitute a recommendation to buy or sell. For more information about Mach 1 Financial Group LLC, please refer to our current disclosure brochure available through the SEC website or at disclosures.mach1fg.com.
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How do you build an investment portfolio you can actually stick with—when markets get volatile and when they’re ripping higher? In this episode of The Market Moment, Matt, John, and Isaac break down what it really means to build a diversified portfolio that fits your true risk tolerance, not just the one you think you have during a bull market. From fear and greed to rebalancing discipline, the conversation digs into why portfolio construction is harder today than ever—even though access to investing has never been easier. The team shares real-world examples of market drawdowns, investor behavior, and why knowing why you own each investment matters more than chasing performance. They also explore how diversification goes far beyond “stocks vs. bonds,” touching on annuities, international equities, alternatives, commodities, and the recent volatility in gold and silver—and what those moves mean (and don’t mean) for long-term investors. Key topics include: ➡️ How to assess your real risk tolerance (and why most investors overestimate it) ➡️ Fear vs. greed and how emotions derail long-term plans ➡️ Why timing the market means being wrong twice ➡️ Rebalancing strategies—and how often is too often ➡️ Stocks vs. bonds vs. annuities: what role each can play ➡️ U.S. vs. international investing and sector diversification ➡️ Alternatives, private markets, and what to watch out for ➡️ Gold and silver volatility—and why perspective matters ➡️ Building a portfolio you can stick with in good times and bad The episode wraps with a timely discussion on recent moves in precious metals, why big price swings can test investor discipline, and how having a clear investment plan helps cut through the noise. Enjoyed the episode? Don’t forget to: 👍 Like 💬 Comment with your biggest investing challenge. You can email us your questions at TheMarketMoment@mach1fg.com 🔔 Subscribe to The Market Moment for weekly conversations on markets, investing, and financial planning on YouTube! #diversification #investing #riskmanagement #portfolioconstruction #financialplanning #themarketmoment #marketpsychology #longterminvesting 🍿 Watch Next: Eli's latest Data Brief.... https://www.youtube.com/watch?v=8VAQZvQRhIE&t=1s 🎙The Market Moment Podcast! Last week's episode... https://www.youtube.com/watch?v=ydvl4eQgu_s&t=1370s We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379 Give us a follow on Instagram! @themarketmoment https://www.instagram.com/themarketmoment/ www.instagram.com/themarketmomemt/ 📌 About The Market Moment Podcast: Hosted by advisors from Mach 1 Financial Group, LLC — a Registered Investment Advisor located in Rogers, Arkansas. We break down market trends, personal finance, retirement planning, and investing topics every week for everyday investors. ⚠️ Disclosure: The views expressed in this video are solely the opinions of the participants and are provided for informational purposes only. They should not be construed as investment advice, a recommendation, or a guarantee of future performance. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Any securities or companies mentioned are for illustrative purposes only and do not constitute a recommendation to buy or sell. For more information about Mach 1 Financial Group LLC, please refer to our current disclosure brochure available through the SEC website or at disclosures.mach1fg.com.