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The market environment changes constantly, which can cause any long-term plan to go off course. To keep your investments on track, it's wise to set aside time to review your portfolio on a regular basis. A review is especially important if you've had any major changes in your life-starting retirement, changing jobs, getting married, welcoming a new child or grandchild, purchasing a house-so that you can evaluate your existing portfolio and make any necessary adjustments to your accounts.
You initially allocated your portfolio among different types of investments-stocks, bonds and money markets-to reduce overall risk in your portfolio. But over time, the percentages you've allocated to each type of investment may have shifted due to market ups and downs, leaving your portfolio looking much different than your original plan.
Rebalancing gets your portfolio back to your desired percentage mix. This simply means that you'll need to buy and sell investments to bring your portfolio back in line with your asset allocation plan (see below). This ensures your portfolio maintains the balance of risk and return you've determined is right for your goals.
If you don't have the time or don't feel comfortable doing the rebalancing yourself, we offer asset allocation portfolios. When you choose one of our time- or risk-based portfolios, our professional investment managers rebalance the underlying funds regularly so you don't have to.
Sometimes you need to add or replace funds for further diversification in your portfolio, or perhaps you need to overhaul your portfolio as a result of a major life event or shift in your financial goals. Before making changes to your portfolio, consider:
It's easy to make adjustments online when you log in or over the phone with an Investment Consultant.