Students get small amounts in the form of pocket money or through part-time income. Also, individuals who are just starting their careers usually have high expenses and low saving rates. Such students and early earners can take up more risk with their investments as typically the responsibilities are low, and the investment horizon is very high. This model portfolio gives such students and early-earners the opportunity to participate in capital markets and benefit from the edge they have on their side, i.e., TIME for long-term capital growth.