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How to timely review your investments in simple steps

by Holistic 2 Comments | Filed Under: Investments

Listen to this article


How would you react if someone told you that merely making a financial investment was enough to guarantee long-term wealth creation?

I am sure you would take it with a pinch of salt because making an investment is something and earning consistent rewards out of such investments is another thing altogether. “Unpredictability” is the hallmark of the financial market therefore investments need to be nurtured and monitored regularly.

Why to have a structured investment review process?

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The volatility of the market often results in calculations going awry. Bonds and stocks could either receive a boost or take a hit. This could eventually translate into either a positive or adverse impact on the profitability prospect of individual investments and portfolios.

Merely making an investment is not enough; successful monitoring of such investments is the essence of long-term wealth creation.
Keeping this fact in mind, a structured approach to

the task of making investments and building on them is the key to prosperity.

Following these simple steps one can reduce the gap between expectation and actual achievement as far as investment and wealth creation is concerned:

Comparison

Comparing with a laid down standard or benchmark can reveal a lot of information. Just as the grade card of our child, when compared with the best in class, tells us where our child lacks, comparison against a benchmark index of investment can tell us how our investment is faring against the best in class.

A small-cap, mid-cap or large-cap mutual fund could be weighed against the appropriate index like NIFTY and SENSEX. If the particular fund fails to conform to the benchmark standards it is time to change the portfolio. Regular monitoring will definitely help in keeping the portfolio on track.

Expected Return vs. Real Return

Referring to the child’s grade card example above, it is a fact that every child and parent seeks to achieve a particular percentile and accordingly work diligently towards it. Any correction in approach that requires to be made can be done by assessing performance in class tests and comparing them with the expected target.

It is somewhat similar with investments too. Fixing an expected rate of return and watching the performance on a term-based basis will reveal if the investment portfolio is on track, if not, necessary modification and adjustments may be made. The idea of this exercise is to check if the returns that the portfolio is offering, actually fulfills, falls short or overshoots your expectations with respect to the broader financial plan.

Asset Allocation

Performance or underperformance of an asset class in your portfolio may make your portfolio derail from the desired asset allocation.

Example:

You have 10 lakhs to invest. Your desired asset allocation is 70:30 in equity and debt. So you invest 7 lakhs in equity and 3 lakhs in debt.

The equity market goes up by 25% and debt market yields 8% in one year. End of one year your portfolio values will be 8.75 lakhs in equity and 3.24 in debt. Because of the portfolio performance the present asset allocation 73: 27.

Now, in order to bring back the desired asset allocation in your portfolio, you need to withdraw 3% from equity and reinvest in debt.

This periodical review is required to maintain the desired asset allocation.

Download your Rebalancing Tool here!

Professional Review

Getting professional help to manage investments is always a good idea. Often individuals do not have the time and inclination to handle their own investments on a regular basis, in such conditions professional financial advisers can contribute positively.

From drawing up a proper financial plan to monitoring them and taking corrective action whenever required needs a lot of application. It also entails working with various tools that facilitate decision-making. A professional adviser with sufficient exposure and knowledge is a perfect choice in such circumstances.

Reviewing your investments with a professional financial planner will save your time. The expertise the financial planner brings is invaluable. That gives you reassurance and confidence that your investments on the right track and progressing at the right speed.

Stay Invested

Last but not the least, in order that your financial plans materialize on expected lines, it is imperative that you stay invested and do not take any knee-jerk decision. After all, staying invested is the first criteria for achieving your financial goals.

If you liked this article, please comment in the below box. Let us know how you will review your investments.
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Comments

  1. Sanjeev Dadhe says

    August 9, 2017 at 1:32 pm

    I do review my investments. A few years ago I had about 35 % of investments in Fixed deposits in Banks and was getting interest of 8 %. I shifted all these to Balanced mutual funds which were of rank 1 in CRISIL rank. I have added all fresh investment to the same three funds. These funds are showing a growth of about 15 to 20 % per year.
    I have kept about 30 % of my assets in savings bank accounts. Mostly outside India. If the stock market crashes again like year 2008-09, I will invest 60 % of my cash in stock and mutual funds.
    I will still have enough cash to last about 4 years of expenses.

    Reply
    • holistic says

      August 18, 2017 at 11:30 am

      Dear Sanjeev,

      It is a good move that, you changed your Fixed deposit investments to Balanced funds.

      Instead of Keeping 30% in a savings account, you may consider investing the same in liquid funds and debt funds.

      Also, consider time in the market instead of timing the market.

      Ramalingam

      Reply

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Ravi L
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Hardik Dave
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Holistic Investment is really nice and trust worthy financial planner. They plan things in realistic manner and also consider future dimensions of items also. They are always available for small or big queries, and also share knowledge and help you become more financial literate, and take right decisions in all financial matters.
Dr. Padmakar Wagh
Dr. Padmakar Wagh
27. June, 2023.
Mr Ramalingam who is the Director of Holistic investments has a excellent financial planning knowledge, the entire Holistic team has been very helpful in my financial planning journey and execution. This is my third year of financial planning with Holistic investments and so far I am satisfied with the progress I have made.
Binamra Dash
Binamra Dash
13. June, 2023.
Very knowledgeable team. Guided me properly with my concerns.
Murugan Bala
Murugan Bala
16. May, 2023.
I have been investing through Holistic for the past 4 years and my experience with them have been really good. The team of Rajan and Ramalingam doing excellent services in meeting my needs through proper guidance on investment options customized. Theya re always available on any specific needs time to time.I would recommend their services to my friends and colleagues too.
Neeraja R K
Neeraja R K
15. May, 2023.
Working with holistic investment planners was a really wonderful experience for me. For me the entire team had been very supportive in all ways. Their working strategy is well planned and methodical. They always keep me informed and updated about my investments, so that i can take informed decisions. The team first helps us understand the basics of investments, then they collect data, work with the data and then provide investments solutions according to our goals which i find it the best. Good luck to the entire team.
deepika kulkarni
deepika kulkarni
21. April, 2023.
We have availed holistic service from last couple of years and are very happy with our decision. Their systematic approach has helped us plan our finances and meet our goals. They provide very comprehensive and detail plan and resource management every 6 months which ensures we are on right track to achieve our goals. Rajan and Ramalingam from holistic are always there to help us with our queries. They have also accommodated any changes to our goals or resources mid year in a professional manner.
Ashook Panneerselvam
Ashook Panneerselvam
21. March, 2023.
For the past year, I have been interacting with Holistic Investment. I frequently read Nanayam Vikatan, which is a publication owned by the Vikatan family, and I was impressed by their financial advice. My brother also suggested holistic investing, and he also got excellent financial advice. Holistic Investment follows a methodical approach that I really liked because they first fully understand our financial situation "As Is," which includes "Assets" and "Liabilities," as well as our short-, mid-, and long-term goals, on the basis of which they provide a detailed plan on how to achieve our goals for which they are recommending various investment options. Even in the investment advice, why do they suggest particular mutual funds and what is the justification behind it, which adds transparency to the client. One essential factor is that they are always available. Even if I needed to make some urgent financial decisions, they were very helpful and kind to answer my questions via phone calls, WhatsApp messages, and emails. I was very happy with their service. Periodic reviews are also crucial, even though I have forgotten that they occur once every three months, and I also intend to renew this year.
Mahesh S
Mahesh S
19. February, 2023.
I have availed Holistic investment service for last 1yr against my early retirement decision. they provided me comprehensive detailed report how to move ahead with my existing resources. moreover, they are available to me whenever i have any doubt.. highly recommend others to avail their service
Google rating score: 4.5 of 5,
based on 104 reviews

Google Reviews

Lingesh MMG
Lingesh MMG
20. September, 2023.
Na eppo tha financial goal la enna therunju kitta..enaku full support panna thuku thank you..🥰 friendly nalla pesuninga...
Ravi L
Ravi L
15. August, 2023.
Very knowledgeable and professional team, guided me with the precise financial solutions and timely suggestions.
Hardik Dave
Hardik Dave
5. July, 2023.
Holistic Investment is really nice and trust worthy financial planner. They plan things in realistic manner and also consider future dimensions of items also. They are always available for small or big queries, and also share knowledge and help you become more financial literate, and take right decisions in all financial matters.
Dr. Padmakar Wagh
Dr. Padmakar Wagh
27. June, 2023.
Mr Ramalingam who is the Director of Holistic investments has a excellent financial planning knowledge, the entire Holistic team has been very helpful in my financial planning journey and execution. This is my third year of financial planning with Holistic investments and so far I am satisfied with the progress I have made.
Binamra Dash
Binamra Dash
13. June, 2023.
Very knowledgeable team. Guided me properly with my concerns.
Murugan Bala
Murugan Bala
16. May, 2023.
I have been investing through Holistic for the past 4 years and my experience with them have been really good. The team of Rajan and Ramalingam doing excellent services in meeting my needs through proper guidance on investment options customized. Theya re always available on any specific needs time to time.I would recommend their services to my friends and colleagues too.
Neeraja R K
Neeraja R K
15. May, 2023.
Working with holistic investment planners was a really wonderful experience for me. For me the entire team had been very supportive in all ways. Their working strategy is well planned and methodical. They always keep me informed and updated about my investments, so that i can take informed decisions. The team first helps us understand the basics of investments, then they collect data, work with the data and then provide investments solutions according to our goals which i find it the best. Good luck to the entire team.
deepika kulkarni
deepika kulkarni
21. April, 2023.
We have availed holistic service from last couple of years and are very happy with our decision. Their systematic approach has helped us plan our finances and meet our goals. They provide very comprehensive and detail plan and resource management every 6 months which ensures we are on right track to achieve our goals. Rajan and Ramalingam from holistic are always there to help us with our queries. They have also accommodated any changes to our goals or resources mid year in a professional manner.
Ashook Panneerselvam
Ashook Panneerselvam
21. March, 2023.
For the past year, I have been interacting with Holistic Investment. I frequently read Nanayam Vikatan, which is a publication owned by the Vikatan family, and I was impressed by their financial advice. My brother also suggested holistic investing, and he also got excellent financial advice. Holistic Investment follows a methodical approach that I really liked because they first fully understand our financial situation "As Is," which includes "Assets" and "Liabilities," as well as our short-, mid-, and long-term goals, on the basis of which they provide a detailed plan on how to achieve our goals for which they are recommending various investment options. Even in the investment advice, why do they suggest particular mutual funds and what is the justification behind it, which adds transparency to the client. One essential factor is that they are always available. Even if I needed to make some urgent financial decisions, they were very helpful and kind to answer my questions via phone calls, WhatsApp messages, and emails. I was very happy with their service. Periodic reviews are also crucial, even though I have forgotten that they occur once every three months, and I also intend to renew this year.
Mahesh S
Mahesh S
19. February, 2023.
I have availed Holistic investment service for last 1yr against my early retirement decision. they provided me comprehensive detailed report how to move ahead with my existing resources. moreover, they are available to me whenever i have any doubt.. highly recommend others to avail their service
Google rating score: 4.5 of 5,
based on 104 reviews

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