How to Adjust Your Strategy Over Time

2025

Portfolio Design

Your portfolio isn’t set in stone — and it shouldn’t be.

Markets change. So do you. Whether it’s a life event, a shift in income, or simply getting closer to your goals, adjusting your investment strategy is not only natural — it’s smart.

  1. Revisit your objectives regularly

Start by asking the big questions again:

  • Is your goal still capital preservation, income, growth, or speculation?

  • Has your time horizon shortened or lengthened?

  • Has your risk tolerance changed?

Your plan should match your current reality — not the assumptions you made years ago.

  1. Align with your life stages

In your 20s and 30s, you may afford to take more risk and lean into growth. As you approach retirement or other major financial goals, it may make sense to shift toward preservation or income. Your strategy should evolve with you.

  1. Monitor performance, not just returns

Don’t just look at performance in terms of how much you gained or lost. Ask:

  • Is this strategy doing what I hired it to do?

  • Is it meeting the goal I set (e.g., steady income, limited volatility, long-term upside)?

  1. Don’t overreact — zoom out

Short-term market noise shouldn’t dictate your long-term plan. Adjusting your portfolio every time the market moves is a recipe for emotional investing. Stay focused on your timeline and strategy.

  1. Schedule strategic check-ins

Whether quarterly, annually, or after a major life event, set calendar reminders to review your portfolio. Use that time to rebalance, reconsider allocations, and ensure you’re still on track.

Need Support?

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Need Support?

Book a session or let us handle things for you.

Need Support?

Book a session or let us handle things for you.

Learn More

Smarter strategies start here.

Learn More

Smarter strategies start here.

Learn More

Smarter strategies start here.