11.   For many blacks who have saved and built investment portfolios, the route has been through entrepreneurship.

12.   Gran Central, a real estate subsidiary, has built a portfolio of high-end office complexes and industrial buildings.

13.   He explored the tendency to build portfolios in which risks were balanced against more secure assets.

14.   He even managed to complete a couple of years of law school while he built his portfolio as a journalist.

15.   However, you can build a portfolio of three Vanguard funds, each of which offers a different risk profile.

16.   I am always loath to suggest that people who have built ultra-conservative portfolios change their ways.

17.   In building a portfolio of various assets, investors should avoid those that are perfectly correlated, he said.

18.   One, obviously, is that you and your advisors have done a good job of building your portfolio.

19.   Since you note that you built this portfolio over many years, I suspect there would be ugly tax consequences if you sold any of the individual stocks.

20.   So, does all this swapping portend a world in which every office temp and smoothie delivery person builds a portfolio of investments in the start-ups they serve?