Thoughtful investing is a marathon, not a sprint. Sometimes, even the most prudent investment decisions don’t deliver the most impressive short-term results. So stay the course and keep focused on your long-term goals.
Monitoring your portfolio should be, at minimum, an annual occurrence and consist of:
From time to time, your needs and/or personal situation may change. That’s why it’s vital you continually monitor and adjust your plan along with your underlying investments whenever circumstances dictate.
Over time, as some investments perform better than others, your target allocation will drift resulting in your portfolio taking on too much or too little risk for your goals. Maybe over the period of a few years, your stocks have performed so much better than your bonds that your original 60/40 stocks to bonds portfolio is now a 75/25 stocks to bonds portfolio thanks to the growing value of the stocks.
When this occurs, your portfolio should be rebalanced. But since it requires the buying and selling of investments (in the previous example selling some stocks and buying more bonds) rebalancing needs to be done thoughtfully to minimize your costs and potential taxes.
Sometimes it’s important to see if your portfolio’s asset allocation has the right balance of assets that have more risk (and potential reward) such as stocks and those that have less risk, such as bonds. For more information, read Staying on Course, or talk to a SunTrust Investment Services advisor by calling 877.962.9032.
Being thoughtful and strategic in building a planned giving program alleviates concern and establishes an appropriate structure that aligns with your organization’s purpose.
The SunTrust Weekly Market Monitor provides a view of last week’s market events.
A Home Equity Line of Credit (HELOC) lets you tap into the equity in your home and borrow against it for things like home improvements or other major expenses.
SunTrust Private Wealth Management’s Global Perspective provides a view of the latest global economy and market events. Read the latest report here.
Learn about the global economic backdrop, our view on global stock and bond markets, and recommendations for major investment asset class combinations in your portfolio.
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