You built a portfolio once and forgot about it? In a year, percentages shift. One market grew, you bought more of another, income and expenses changed. Without a review, a plan turns into chance.
Good news: one 30-minute checklist each year is enough to see whether you are still on track.
Before you start
- An up-to-date list of assets and debt, or a portfolio analysis report
- Approximate monthly income and expenses
- Time horizons: short, medium, long
30-minute checklist
- 0–5: Write the percentage of each category. Has one section gone above 50%? (sign of imbalance)
- 5–10: Six pillars of health — which has weakened?
- 10–15: Emergency fund — still three to six months?
- 15–20: Where is money you need in two years? (short in long?)
- 20–25: New debt or a loan? (five loan questions)
- 25–30: Only one action for the next 90 days.
What not to do
- Rebuild the whole portfolio because of one headline
- Compare yourself to the internet's "ideal portfolio"
- Review every week
An annual review is for one small, right decision — not guilt.
Summary
Once a year, thirty minutes. That small habit prevents scattered years.