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Time to spring clean your portfolio?

Spring “officially” starts today (Thursday 20 March) but the weather has improved and the daffodils have been out for a few weeks. It’s the time of year when people traditionally give their homes a top to bottom freshen up and remove any unnecessary clutter. Yet it isn’t just homes that deserve an annual deep clean: it is also vital for investors to periodically stand back and take a long hard look at their investments.


Even originally well planned portfolios will need to be periodically reviewed and rebalanced, as allocations to different asset classes and markets naturally drift over time – that’s especially the case over the last year as many developed stock market indices have scaled to high points not seen for years, while emerging markets have floundered. Because different markets and asset classes don’t move in tandem, that can mean the risk-profile of a portfolio can change materially, potentially no longer matching your needs or goals.

We believe the three key criteria to consider when reviewing a portfolio should include: understanding the level of risk you are exposed, how well balanced the mix of your investments (asset allocation) is and of course the quality of the underlying investments. An appraisal of your investments might require some rebalancing of your asset mix and potentially switching funds that aren’t delivering.

Investment Advisory Service clients will of course be able to discuss this with their adviser and self-directed investors with accounts on our Online Investment Service have access to a range of analysis tools to check the health of their investments.

If you are not yet a client of Bestinvest, why not try our Free Investment Report Service & Tool (FIRST). This will provide you with analysis on your investments to show how much Risk the portfolio is exposed to (based on its volatility), how well balanced the asset allocation is against our renowned research team’s models, and our view on the quality of each fund held. Over 66,000 members of the public have used FIRST over the last year to test the strength of their investments.

The value of your investment can go down as well as up, and you can get back less than you originally invested.

The Bestinvest Online Investment Service, including any account analysis and investment reports provided by our guidance services, is an online execution-only dealing service for investors who want to make their own investment decisions. It does not provide advice on the suitability of products and investments; if you are unsure about the suitability of any investment you should seek professional advice. Clients of our Investment Advisory Service and Managed Portfolio Service can use the website to obtain current valuations of their investments but cannot trade on these accounts online and should call their adviser if they wish to discuss changes to their investments.

Past performance or any yields quoted should not be considered reliable indicators of future returns. Restricted advice can be provided as part of other services offered by Bestinvest, upon request and on a fee basis. Before investing in funds please check the specific risk factors on the key features document or refer to our risk warning notice as some funds can be high risk or complex; they may also have risks relating to the geographical area, industry sector and/or underlying assets in which they invest. Prevailing tax rates and relief are dependent on your individual circumstances and are subject to change.

Issued by Bestinvest (Brokers) Limited (Reg. No. 2830297), which is authorised and regulated by the Financial Conduct Authority. Financial services are provided by Bestinvest (Brokers) Limited and other companies in the Tilney Bestinvest Group, further details of which are available here. This site is for UK investors only.
© Tilney Bestinvest Group Ltd 2016.

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