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EVALUATING YOUR INVESTMENTS Top tips for portfolio planning courtesy of James Appleby, managing director of Tees Financial
F or many of us in and around to step back from the day-to-day and take stock of the bigger picture. Nowhere is that truer than with your investments. Markets move, life circumstances change and a portfolio that made perfect sense five years ago may no longer reflect your goals. REVISIT YOUR GOALS BEFORE YOU REVISIT YOUR PORTFOLIO It’s tempting to jump into performance figures, but the more useful starting point is you. Has your life changed since you last reviewed your investments? Have any big life moments created a shift in retirement timing? Your investment strategy should always serve your goals, not the other way Cambridge, the summer months are a natural pause point. A chance around. A portfolio built for aggressive growth in your 40s may need rebalancing towards income and capital preservation as priorities evolve. At Tees, we work to understand where you are and where you want your investments to take you, creating a bespoke plan for you. CHECK YOUR ASSET ALLOCATION, NOT JUST YOUR RETURNS A common mistake is judging a portfolio purely on headline returns. What matters more is whether your mix of equities, bonds, property and cash still matches your appetite for risk and your time horizon. Years of strong markets can quietly skew a portfolio towards higher- risk assets than you originally intended, simply because those assets have grown faster. A periodic rebalance keeps your risk profile where you want it. LOOK FOR UNNECESSARY OVERLAP AND DRAG High-net-worth investors often accumulate a patchwork of legacy holdings, accounts and funds over time, sometimes from different advisers or providers. This can lead to duplicated exposure, higher combined fees and a portfolio that’s harder to manage coherently. A proper evaluation should map out everything you hold in one
EAGLE EYES Reviewing your portfolio in the context of the current climate can help achieve your goals
BRINGING IT ALL TOGETHER Portfolio evaluation isn’t a one-off exercise. For those with significant or complex wealth, the value of a considered, independent financial review only grows, especially when legal and financial planning need to work hand in hand.
place and identify where consolidation, or simply cutting overlapping funds, could improve efficiency. DON’T OVERLOOK TAX EFFICIENCY Growing and protecting wealth isn’t only about investment selection, it’s also about how that wealth is structured. ISAs, pensions and other tax-efficient wrappers can materially affect your net returns over time, and allowances that go unused each year are opportunities lost for good. Given how frequently tax rules change, this is an area worth reviewing at least annually, ideally alongside a wider look at estate and succession planning. Having a dedicated financial adviser means someone else is making the most of any opportunities, while you can be sure your portfolio is in good hands.
If you’d like a fresh, independent look at your portfolio, Tees Wealth offers a free initial consultation to talk through where you stand and where you’d like to be. Call the Wealth team on 01279 658304
This material is intended to be for information purposes only and is not intended as an offer or solicitation for the purchase or sale of any financial instrument. It is not intended to provide and should not be relied on for accounting, legal or tax advice, or investment recommendations. Past performance is not a reliable indicator of future returns and all investments involve risks including the risk of possible loss of capital. Some information quoted was obtained from external sources we consider to be reliable. Tees is a trading name of Tees Financial Limited which is authorised and regulated by the Financial Conduct Authority. Registered number 211314. Tees Financial Limited is registered in England and Wales. Registered number 4342506.
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