Whether you have recently begun investing, or have been doing so for years – revisiting your investment mix regularly to see where your money is and how it has been performing, can help you stay on track.
Nominating a time each year, to review goals and investments to ensure they are aligned, can enforce discipline to the way you invest, ensuring any changes made, are a result of a considered process, rather than a knee-jerk reaction to headlines and sentiment.
This review could cover your investment mix - which is your allocation to each of the common asset types of shares, international shares, cash, fixed interest and property - as well as looking at your holdings within each asset class, such as the mix of shares in your portfolio.
Some questions to address are:
- What investment mix did I have at the start of the year?
- How have these different classes of investments performed?
- Has that changed the portion of my wealth that is allocated to each investment type? (e.g. if shares did well last year – more of your wealth may now be tied up in shares)
- Do you want to re-balance your portfolio back to your initial asset mix, for the sake of keeping risk consistent?
- Are there any adjustments to be made within asset types, according to how different sectors have performed in the past year?
Do you need to speak to an investment loan specialist?
Contact us @ propertyloans@realrenta.com and we will arrange for our trusted Finance Partner to contact you.
