{"id":6469,"date":"2015-10-07T06:44:58","date_gmt":"2015-10-07T13:44:58","guid":{"rendered":"http:\/\/blog.paladinregistry.com\/?p=6469"},"modified":"2015-10-07T06:44:58","modified_gmt":"2015-10-07T13:44:58","slug":"make-changes-investment-portfolio","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/investing\/make-changes-investment-portfolio\/","title":{"rendered":"Should You Make Changes to Your Investment Portfolio"},"content":{"rendered":"

As one of the worst quarters in several years comes to a close<\/a><\/span><\/strong> you may be asking yourself if you should make changes to your investment portfolio.\u00a0 It is always good to review your portfolio on a quarterly or annual basis to make sure you are on track to reach your goals.<\/p>\n

Here are some questions you should ask yourself when thinking about making changes.<\/p>\n

1. How did your investment portfolio perform compared to the market?<\/strong><\/p>\n

This is very important.\u00a0 Just because you see a negative return on your statement does not mean you had a bad portfolio.\u00a0 Over an investment lifetime you will most definitely experience negative returns.\u00a0 What you want to make sure is that your portfolio performed within your expectations and consistent with the market<\/a><\/span><\/strong>.\u00a0 For example if you have a 50% Equity Portfolio and a 50% Fixed income portfolio and your portfolio lost 3% when the S&P 500 lost 6% you may be right on track and your portfolio is working.\u00a0 In addition to the overall portfolio you can compare each fund to an index.\u00a0 For example if you have a large cap growth fund in your portfolio you can compare it to the S&P 500 and if your fund lost 10% and the S&P lost 6% you may have a problem.\u00a0 Your fund may be highly concentrated in a few stocks or you may not have a large growth fund at all.\u00a0 Comparing funds to the appropriate index is very important.<\/p>\n

2. \u00a0What is your asset allocation now?<\/strong><\/p>\n

Most investors do not have a specific target asset allocation like 70% Equity and 30% Fixed Income.\u00a0 Most investors are aggressive or conservative and do not have a specific target.\u00a0 Having a specific target allocation is a great way to review your portfolio and look for opportunities to rebalance.\u00a0 Let\u2019s say your target is 70\/30 and the market has a big drop and your portfolio is now 60\/40.\u00a0 Assuming the 70\/30 is still the right allocation to reach your goals you should rebalance back to 70\/30.\u00a0 Essentially you should sell fixed income and buy equities.\u00a0 This is a great way to sell high and buy low.\u00a0 This can also work in reverse if the market increases significantly.\u00a0 If your portfolio goes up to 80% equity and 20% fixed income you should sell equities and buy fixed income.<\/p>\n

3.\u00a0Has anything changed in your life that would affect your retirement goals or needs? <\/strong><\/p>\n

Take some time to think about where you are in relation to your investment experience and if anything may have changed that would cause a change. Are you getting close to retirement?\u00a0 Did you lose your job?\u00a0 Do you have a big purchase coming up? Did you inherit money?\u00a0 These are all reasons why you may want to reevaluate your asset allocation.<\/p>\n

4.\u00a0Can you sleep at night?<\/strong><\/p>\n

If the recent market turmoil caused you anxiety to the point where you are depressed or you want to sell everything you may want to tweak the portfolio to be more conservative.\u00a0 If you do decide to make a change you will need to reevaluate how it will affect your goals.\u00a0 This may cause you to work longer or need to save more.<\/p>\n

Most importantly you should have a financial plan in place and an investment strategy<\/a><\/span><\/strong> consistent with the plan.\u00a0 Instead of making emotional changes to your portfolio based on short-term market fluctuations, take a step back and review your plan.\u00a0 Gather all your assets, project your spending needs pick a return that is within your risk tolerance and run the numbers.<\/p>\n

If you are still on track then great!\u00a0 If not, reevaluate all assumptions, not just your portfolio.<\/p>\n

To learn more about JSK Financial Services, view their Paladin Registry profile<\/a><\/span>. \u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

As one of the worst quarters in several years comes to a close you may be asking yourself if you should make changes to your investment portfolio.\u00a0 It is always good to review your portfolio on a quarterly or annual basis to make sure you are on track to reach your goals. Here are some questions you should ask yourself when thinking about making changes. 1. How did your investment<\/p>\n","protected":false},"author":76,"featured_media":6473,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[395],"tags":[],"class_list":["post-6469","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing"],"yoast_head":"\nShould You Make Changes to Your Investment Portfolio<\/title>\n<meta name=\"description\" content=\"Should I make changes to my investment portfolio as a result of this past quarters poor performance? 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