CNBC's Jim Cramer gave advice on how to build a balanced portfolio, suggesting investors both individual growth stocks and index funds."Putting some money in an index fund isn't bad advice — it's a good way to play it safe," Cramer said. "But most people can't afford to purely play it safe unless they're already rich, which is why you have to put the other half of your holdings in a mix of individual stocks that you choose and a non-stock hedge."Picking one's own stocks can be lucrative, Cramer asserted. Bu ...