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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.
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.
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
For example, you may have decided to invest 60% of your portfolio in stocks, 30% in bonds and 10% in money market securities.
If market activity causes the stock portion to increase significantly, you'll have a greater percentage invested in stocks than you intended.
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.
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.
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.