With a monthly gross salary of $4,800 how should my diversify portfolio?

1. Understand your cashflow and networth first.

2. Do you have an emergency fund of at least 6mth?

3. Assuming your insurance coverage is sufficient, I will allocate 30% of salary to investment. 30% to savings if you have some milestones to achieve ie. start a family, new housing, investment war chest. This will need to tweak once you gain confident on investment.

4. Set a medium and long term financial goal and understand your risk appetite and time duration.

5. Try out the various instruments like bonds, stocks, etf, mutual funds, robo advisor, crypto etc.

1) identify your financial goal, before buying anything.

• How much is enough? What is your timeline?

• determine the minimum amount you must contribute to your investment portfolio monthly.

• you need to quantify your goal and how to excute. To have a feel if your plan is feasible to excute based on your expense, income, saving, human capital etc.

• you may need to iterate your plan a few time. This is to ensure you are able to excute the plan consistently.

2) Asset Allocation

With you goal as a basis, you may want to allocate to different asset class, stocks, bond, reit, real estate, alternative investment. Debt should also include in asset allocation. At here, u decide how many % to allocate to different asset.

3) Product selection

Again with a meaningful goal establish, will look at different ETFs in term of sectors, geographic etc. or individual stocks for higher gain. Of course, you may just buy a very board base S&P500 which cover everything, or sector based ETFs to take advantage of sector rotation or if you have a longer timeline which can take on riskier individual stocks that yield higher return but more uncertainty during market volatility.