Asset allocation is the split between equity, debt, gold and cash. Research going back decades finds that this split explains most of the difference between portfolios over time, far more than which particular fund was chosen inside each bucket.
A simple starting rule: subtract your age from 100 and hold that much in equity. A 30-year-old at 70 percent equity, a 60-year-old at 40. Then adjust for temperament: if a 30 percent fall would make you sell, you need less equity than the rule says, whatever your age.
Crowwd's four sleeves are an asset allocation. Growth is equity, Balance is hybrid, Safety is debt and liquid, Shield is gold and metals. Your Hive sets the weights; the quiz is what sets the Hive.
Decide the equity-to-debt split first. It matters more than any single fund.