“Don’t Set It and Forget It!” — Why Reviewing Your Investment Portfolio Regularly is a Must

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Olori Uwem

Well-Known Member
Mar 18, 2024
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“Don’t Set It and Forget It!” — Why Reviewing Your Investment Portfolio Regularly is a Must

Investing is not a one-and-done event. While the goal is to grow your wealth over time, your investment portfolio requires regular attention — just like a garden needs weeding, watering, and sunlight ☀️.

Here’s why reviewing your investment portfolio regularly (monthly, quarterly, or semi-annually) is so important:

1️⃣ Track Progress Toward Financial Goals

Your portfolio should align with your short-, medium-, and long-term goals — whether that’s buying a home, funding education, or retiring early. A regular review helps you check if:
• Your investments are on track to meet your targets ✅
• You need to adjust your contributions or rebalance to catch up

Without this check-in, you could unknowingly drift off course.

2️⃣ Adjust to Life Changes

Life is dynamic — your portfolio should be too.
Events like:
• A new job or promotion
• Marriage or children ‍‍‍
• Relocation or health issues
• A new financial responsibility or opportunity

…should prompt a review to make sure your investments still reflect your current reality and future needs.

3️⃣ Rebalance Asset Allocation ⚖️

Over time, market movements can shift the balance of your portfolio. For instance:
• Your stocks may grow faster than your bonds, exposing you to more risk than you’re comfortable with
• Rebalancing helps you realign your portfolio back to your desired asset mix

Rebalancing is like correcting the steering wheel on a road trip — without it, you veer off track.

4️⃣ Evaluate Underperforming Investments

Not every stock or fund will perform as expected.
Regular reviews help you:
• Identify laggards that no longer fit your strategy
• Exit emotionally-driven picks you made in haste
• Reinforce confidence in quality investments during market dips

This can improve your overall returns and peace of mind.

5️⃣ Stay Informed on Market and Policy Changes

Economic policies, inflation, interest rates, or political events can affect your portfolio. For example:
• A rise in interest rates might impact growth stocks or real estate funds ️
• A new government regulation could change dividend tax treatments

Reviewing your portfolio helps you make timely decisions in response to such shifts.

6️⃣ Identify New Opportunities

Regular check-ins might reveal:
• Promising sectors to explore (e.g. AI, energy, green tech)
• Stocks or ETFs that align better with your evolving strategy
• Opportunities to diversify or dollar-cost average

Remember: Investing isn’t just about what you hold, but also what you’re missing!

️ How Often Should You Review?
• Monthly: Quick check-in for new investors or active traders
• Quarterly: Great for most long-term investors
• Yearly: Full deep-dive and strategy reset

Set calendar reminders and make it a ritual — even if just for 30 minutes.

Final Thoughts:

Regular portfolio review is the difference between intentional growth and accidental outcomes.
It helps you stay in control, confident, and clear about your financial journey.

So don’t “set it and forget it” — review it and refine it! ✅