Reviewing your investments

Regular investment reviews let you manage your investments and consider whether they’re still on track to deliver the returns you want. After all, your needs may have changed over time so it may be that you need to change your investment approach.

It's your money, so it’s important to make sure your investments are performing well and fulfilling your needs for now and the future. If it's been a while since you invested your money, this could be the time to review and make any necessary changes.

Things to consider

Performance

Your retirement income depends on the performance of your investments and the charges we make. So it's important that you know how they're doing and the kind of results you should expect.

Your attitude to risk

Over time your appetite for investment risk might change and that’s why you may need to review where your money's invested. Our risk questionnaire can help you work out if your attitude to risk has changed. If you feel more confident or your investment's grown over time, why not consider your options to see if there's a more suitable option available.

MyFolio Funds may not be suitable if you:

  • Do not wish to take any risk with your capital
  • Are not investing for a minimum of 5 years
  • Do not wish to invest in a fund that can invest in collective investment schemes
  • Do not wish to invest in a fund that invests in property
  • Do not wish to invest in a fund that can invest in absolute returns in order to achieve its objectives

Spread your investments

Diversifying your investment can help reduce risk. Depending on your attitude to risk and whether you want an income, you may want to spread your investments across different asset classes like equities, property and bonds.

Timing

Investments need time to grow. So market ups and downs mean you should consider holding long-term investments for at least five years. Stay aware of any fixed-term investments too - and prepare to take action as soon they reach their end.

Changing investments

If you think you need to change investments you can usually move funds. To help you feel confident before you make any decisions, we offer information on investment strategies and choosing funds.