{"id":12763,"date":"2024-11-29T10:05:41","date_gmt":"2024-11-29T02:05:41","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=12763"},"modified":"2024-12-04T12:20:31","modified_gmt":"2024-12-04T04:20:31","slug":"6-year-end-investment-tips-for-a-better-new-year","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/6-year-end-investment-tips-for-a-better-new-year","title":{"rendered":"6 Year-End Investment Tips For A Better New Year"},"content":{"rendered":"

Nearing the end of the year, most people start reflecting on the resolutions they\u2019ve made earlier in the year and also coming up with new resolutions for the new year. One important thing every investor should do is give their portfolio a thorough performance review.<\/p>\n

By doing a yearly review, you can keep your investment on track to your financial goals. Sometimes, our financial goals may change due to circumstances, and this is the perfect time to realign your investment portfolio accordingly.<\/p>\n

If you have a financial adviser, the key thing to discuss with him or her is how your investments have performed over the last year. Performance can mean different things to different people, depending on their financial goals and needs.<\/p>\n

Regardless of what your investment goals are, it\u2019s time to spring-clean your portfolio. So, what cleanups need to be made?<\/p>\n

<\/span>1. Review your financial goals<\/strong><\/span><\/h2>\n

As we go through different phases in life, so do our financial needs and goals. Your financial goals may change from when you were single, to being married, or even having a child.<\/p>\n

If your goals or concerns have changed over the last year, you\u2019ll need to identify that when you are reviewing your portfolio. Make that clear to your financial adviser during your meeting, if you have one.<\/p>\n

See if the potential return and risk match with your new goals. However, do bear in mind that past performance is no guarantee of future results.<\/p>\n

<\/span>2. Rebalance your portfolio<\/strong><\/span><\/h2>\n

Having an overview of the past year performance of your portfolio is different from your monthly monitoring. You will be able to see how a particular fund or asset class performed overall in the past one year.<\/p>\n

If one asset class has done exceptionally well and now makes up a bigger percentage of your asset allocations, you may want to rebalance it to maintain to diversity. You can do so by selling some of this asset class and using that money to buy other types of investments that you think are able to bring your overall allocation back to an appropriate balance.<\/p>\n

You may start out having properly diversified portfolio, but as your money grows, the diversification may become skewed, and this is the perfect time to rebalance everything as you see fit.<\/p>\n

<\/span>3. Change course, if necessary<\/strong><\/span><\/h2>\n

What if your portfolio is not performing as well as you expected? When you are reviewing your portfolio you may see how certain funds or asset classes are underperforming, and that can derail your financial goals.<\/p>\n

You might want to reconsider whether your investments match the current market conditions.<\/p>\n

It is not necessary to shake everything up and go back to square one. However, when you are reviewing your portfolio, it is a good time to consider whether you should cut your losses, or change course.<\/p>\n

However, investment can be a game of patience. It is important to know when to exit and when to be patient. Follow a disciplined investment approach besides keeping a long-term broad picture in mind.<\/p>\n

<\/span>4. Dollar cost averaging<\/strong><\/span><\/h2>\n

New year brings new hope. After reviewing the previous performance of your portfolio, you may want to expand or branch out to new areas of investment in 2015. That can be risky, as you are likely to be stepping into unfamiliar territory.<\/p>\n

To reduce some of that risk, you can consider employing dollar cost averaging<\/a> when buying investments. Instead of putting in a big lump sum into a fund or stock, buy at regular intervals in fixed amount to help shield your portfolio from price swings.<\/p>\n

Investing a fixed amount of money regularly works best if you are in it for the long term and allows you to spread the risk by not sinking a huge chunk of your money into an investment all at once.<\/p>\n

Today, there are many ways for investors who want to venture into this to start investing<\/a> with a smaller sum. However, you may end up with a lower overall average per share price over 12 months with dollar cost averaging.<\/p>\n

<\/span>5. Diversify your portfolio<\/strong><\/span><\/h2>\n

Reviewing your portfolio also allows you to see how your investment performs collectively instead of just looking at a particular fund or stocks. If your overall portfolio is not performing the way you would like it to, it may not be diversified enough for the current market condition.<\/p>\n

Diversifying your portfolio does not just mean putting your money into different asset classes, but you also need to further diversify it within each class. For example, when you gain experience and have started building up your cash reserves, you can start diversifying your portfolio. Common options include shares, property, unit trust and cash.<\/p>\n

By doing so, you can protect your portfolio from being ravaged when a single industry. Aim for a broad mix of fixed income investments with varying maturities, markets and sensitivities to interest rate changes and inflation fluctuations.<\/p>\n

<\/span>6. Review your cost and charges<\/strong><\/span><\/h2>\n

Every investment costs money. However, it doesn\u2019t make sense if the costs and charges turn your returns to losses.<\/p>\n

So, how do you manage the costs and still diversify your investments? Calculate your returns after deducting your investment costs to see the net return. Find out all the expenses that are embedded in each investment choice: management fees, expense ratio, sales charges and others.<\/p>\n

If you are engaging the service of a financial adviser, do include the fees incurred into your return calculation as well.<\/p>\n

There\u2019s nothing wrong with hoping for the \u2018best\u2019 from your investments, but you could be heading for trouble if you leave your investment solely to luck. Have a realistic expectation and make systematic and calculated decisions when it comes to your investment.<\/p>\n

Even though you are not going through major life changing moment, it still benefits you to review your portfolio at least once a year.<\/p>\n

If you are just starting out on your investment journey, check out our online investment options here<\/a>.<\/div><\/div>\n
This article was first published on December 10, 2014 and has been updated for freshness, accuracy and comprehensiveness.<\/em><\/h6>\n","protected":false},"excerpt":{"rendered":"

Your goals will change from when you were single, to being married, or even having a child.<\/p>\n","protected":false},"author":1,"featured_media":55084,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,218],"tags":[219,772,660,766,649],"class_list":["post-12763","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-money-management","tag-bi","tag-investing","tag-investment","tag-money-management","tag-retirement"],"acf":[],"yoast_head":"\n6 Year-End Investment Tips For A Better New Year<\/title>\n<meta name=\"description\" content=\"Year-end is a good time to review your investment portfolio. 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