June marks the halfway point of the year—an ideal time to review your portfolio’s performance and ensure you’re on track for your financial goals. Markets can shift quickly, and a midyear checkup helps you catch issues before they compound and identify opportunities you might otherwise miss.
What Does a Midyear Portfolio Review Involve?
A comprehensive midyear review examines both performance and alignment. Key questions include: Are your investments performing as expected relative to benchmarks? Has your asset allocation drifted from your targets? Do your holdings still match your risk tolerance and timeline? Are there tax-loss harvesting opportunities or rebalancing needs?
The Importance of Reviewing Individual Stock Holdings
Individual stocks tend to experience higher volatility compared to broader market indices, making regular reviews especially important. By evaluating your stock holdings, you can ensure that they continue to serve their intended purpose in your portfolio. This may involve recognizing when it’s time to trim exposure to overperforming sectors and reallocate funds or capitalizing on market pullbacks to buy attractive opportunities.
Midyear Portfolio Review Checklist
If you’re considering conducting your own midyear portfolio review, the following checklist can serve as a helpful guide. By working through each step, you can gain a better understanding of your investment performance and identify areas for potential improvement.
- Gather all relevant account statements and performance reports
- Review your current financial goals and risk tolerance
- Evaluate the performance of each investment holding
- Assess the role of each holding in your overall portfolio
- Identify any necessary changes to your asset allocation
- Research market conditions and trends for potential tactical adjustments
- Review your progress towards your long-term financial objectives
- Make any necessary updates to your investment strategy
- Set a reminder for your next portfolio review
The Benefits of Working with an Advisor
While this checklist provides a starting point for a midyear review, it’s important to recognize the time and expertise required to thoroughly analyze a portfolio of individual stocks. Without professional guidance, it can be challenging to ensure your holdings are prepared for years to come.
When you work with an advisor, much of the midyear review checklist can be handled automatically and proactively. This allows you to focus on what matters most—your long-term financial goals and overall wellbeing.
Conclusion: Dont’ Wait until December
A midyear review helps you course-correct before small issues become big problems. Whether your portfolio needs minor tweaks or a more significant adjustment, addressing it now keeps you on track for your long-term goals. See if we’re right for you to schedule a comprehensive midyear portfolio review and ensure your investments are positioned for the second half of 2025.
