No matter what your budget or age, it's never too late to start building your personal finance portfolio. Money matters and strategies are one of the top concerns for consumers these days. Beginning investors ask,Am I investing enough? What should I invest in? How do I diversify my investments? Can I do this on my own or do I need to hire an advisor? Where do I start? In Kiplinger's Guide to Building Your Portfolio , readers get straight answers from Peter J. Tanous, CEO of an investment consulting firm that helps individuals and institutions build winning portfolios. He advises readers on how to: + Assess which investment products are right for you + Develop a mix of investments appropriate to your age and income + Understand who the players are in the market, including investors, traders, exchanges, governments, and academics. + Navigate the randomness of the market + Identify trends in the market and capitalize on them + Find an investment advisor + Avoid investment scams Withclear guidelines, the reader will learn that with a certain level of hard work, attention to detail, and commitment to excellence, it is possible for the average investor to invest like a professional and attain just rewards .