A calmer way to find your financial direction
Build around your life.
Not the market noise.
Explore a capacity-aware portfolio, understand every trade-off, and test what could go wrong—in about five minutes.
Quick Start
A few questions. A clearer bearing.
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What amount would you like to explore?
Your portfolio passport
A plan designed to bend, not break
Allocation
Every sleeve has a job. Select one to see the reasoning.
- Liquidity reserveBDT 120,000 · 24%
- Demo government-security sleeveBDT 215,000 · 43%
- Diversified demo equity research sleeveBDT 165,000 · 33%
Why this portfolio
The lower of tolerance and financial capacity sets the limit. Age is never used as a shortcut.
Liquidity reserve
Keeps near-term needs away from market swings.
Demo government-security sleeve
Staggers maturities; values may fall if sold early.
Diversified demo equity research sleeve
Capacity-capped growth exposure across fictional names.
Bond / Sukuk ladder
Illustrative maturity buckets; availability, denominations, pricing, and access require current verification.
- 1yearsBDT 53,750Demo govt. security
- 2yearsBDT 53,750Demo govt. security
- 3yearsBDT 53,750Demo govt. security
- 5yearsBDT 53,750Demo govt. security
Government securities and Sukuk can carry sovereign-credit, duration, inflation, reinvestment, liquidity, and early-sale price risk.
Cash ladder
Keeps known needs separate from longer-term assets.
- 11 monthsBDT 48,000
- 23 monthsBDT 42,000
- 36 monthsBDT 30,000
Range of possible paths
These deterministic teaching bands simplify inflation, taxes, fees, liquidity freezes, and regime changes.