Reviewing your investments
Make the most of your money
It’s a good idea to review your investments regularly, to make sure they’re working as hard as possible. Investment reviews are also an important way to discover any changes in your investment needs.
Here are some ideas you might want to think about in your review.
Are your investments performing?
If you think your investments are under-performing, it may be time to reconsider your options and switch to new funds. You might want to speak to a financial adviser who can give you some investment advice, or contact our ISA experts at Standard Life Direct for more information. Call us on 0845 272 8810. Calls may be monitored and/or recorded to protect both you and us and help with our training. Call charges will vary.
Are your investments tax efficient?
Are you making full use of your annual ISA allowance? Remember, your spouse or partner also has an allowance.
Have you spread your investments over different funds?
When you invest in multiple funds you can diversify your investment portfolio across different types of investments. These include equities, property and corporate bonds. Choosing to invest in MyFolio Managed Funds means we make the investment decisions for you. The funds are available through products such as Active Money Personal Pension (AMPP), Stocks and Shares ISA and Investment Funds means we make the investment decisions for you. Or you can choose yourself with our full fund range.
Are your investments all in the one place?
Managing all your investments in once place lets you see their value and performance more clearly - and cuts down on paperwork.
Think long-term
It’s considered that investments should be held for at least five years to maximise their potential. It’s also important to keep an eye on any fixed-term investments, so you can review them as soon as the term ends.
Investment returns aren’t guaranteed. The value of your investment can go up or down so you may get back less than you paid in.
Can you check your investments easily online?
No need to wait for annual statements - you can check your investments all year round when you register for Standard Life’s online services.
Has your risk appetite changed?
Use Oxford Risk’s questionnaire to learn more about your attitude to investment risk, which may change over time.
Get the right financial advice
If you are unsure if an investment is suitable for you, you should contact Standard Life Direct on 0845 272 8810 or speak to your financial adviser.
Calls may be monitored and/or recorded to protect both you and us and help with our training. Call charges will vary.
Standard Life Direct is provided by Standard Life Client Management Limited and only advises on and sells products from subsidiaries of Standard Life plc and some external providers. Where advice is provided, there may be an additional cost.
