The term "complete portfolio" refers to a portfolio consisting of risk-free asset combined with at least one risky assetthe market portfolio combined with the minimum variance portfoliosecurities from domestic markets combined with securities from foreign marketscommon stocks combined with bonds

the risk-free asset combined with at least one risky asset

Explanation: In simple words, complete portfolio refers to the portfolio in which some of the risky assets are combined with some of the risk free securities like govt. securities.

It is called complete portfolio because of the safety and completeness it provides to the customer expectations. The risk free asset provides the backup against  loss while the risky assets makes the potential for high returns.

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.