Manage Your Portfolio

After you've built your plan and a diversified portfolio, set up time to regularly review your investments. We have tools available and resources to help to help you. Our Investment Consultants can provide guidance and talk you through your existing plans.

Portfolio Reviews—Strive for Better Outcomes

Changes in the market and life events are unavoidable. But, if you only check your portfolio when the market is volatile, you're at a disadvantage. Buying or selling funds based on their recent performance is a recipe for buying high and selling low—the exact opposite of successful investing. To keep your plans on course, it's wise to review your portfolio annually or when various life stages occur.

Questions to Consider During Your Review

  • Has a life event occurred? Your goals or risk tolerance will change over time, especially as you near retirement. Our Investment Planner tool is designed to help you determine your comfort with risk and investing style.
  • How much will you need for your goals? Take advantage of our calculators to help plan for your goals, such as retirement, college, and more.
  • How can you stay informed? Read market news and insights from our investment professionals to help make more informed decisions regarding the issues you face.

Rebalance Your Portfolio

Once you've reviewed and determined changes need to be made to your portfolio, you'll buy and sell investments to bring it back in line with your goals—called rebalancing. This ensures your portfolio stays on track with your time horizon and comfort with risk

Hypothetical Example

Original Allocation

For example, you may have decided to invest 60% of your portfolio in stocks, 30% in bonds and 10% in money market securities.

Out of Balance

If market activity causes the stock portion to increase significantly, you'll have a greater percentage invested in stocks than you intended.

Rebalanced

Rebalancing—buying more bonds and money markets and selling stocks—gets your portfolio back to your desired 60/30/10 percentage mix.

If you don't want to make these changes yourself, we offer asset allocation portfolios. These professionally managed, automatically diversified investment solutions come in a single portfolio—a smart choice for long-term financial goals.

Make sure to consider the type of account you have as there may be fees, penalties or taxes associated with withdrawing or moving your money.

Leave the rebalancing to us with One Choice Portfolios®Learn How

Bring Your Portfolio into Full Focus

If you have accounts at multiple companies, you may not be seeing the whole picture. Looking at your entire portfolio in one place can help you avoid redundancies that keep you from being truly diversified. It may be time to consolidate your investments.

Avoid Overlap and Gaps

  • Overlaps: Funds held at different companies may have overlapping holdings or type of securities. This can skew the percentage you intended to allocate in a certain asset category.
  • Gaps: Tracking investments across firms can make it more difficult to ensure your investments are covering the categories best for your goals.

Make sure to consider the type of account you have as there may be fees, penalties or taxes associated with withdrawing or moving your money.

It's easy to make adjustments online or over the phone with an Investment Consultant.

Diversification does not assure a profit nor does it protect against loss of principal.

This material has been prepared for educational purposes only. It is not intended to provide, and should not be relied upon for, investment, accounting, legal or tax advice.