The Mid-Year Portfolio Review Every Investor Needs

This week on Money & Investing, Mitch Olarenshaw and I explain why a mid-year portfolio review is one of the best habits investors can build. They share seven practical checks to help you stay aligned with your financial goals, manage risk, and make informed decisions before the year gets away from you.

1. Review Your Asset Allocation

Market movements can change the balance of your portfolio over time. Review how your investments are spread across different asset classes and rebalance if your risk level no longer matches your investment strategy.

2. Check Your Cash Position

Don’t let your cash sit in low interest accounts without a second thought. Review your savings and cash holdings to see if they’re still working effectively in the current interest rate environment.

3. Assess Every Investment

Look at each investment individually and ask if it still deserves a place in your portfolio. Avoid holding assets simply because you’ve owned them for years.

4. Plan Ahead for Tax

A mid-year review gives you time to consider capital gains, losses, and other tax planning opportunities before the end of the financial year, rather than rushing at the last minute.

5. Revisit Your Financial Goals

Your circumstances may have changed since the start of the year. Review your goals and make sure your portfolio still supports what you’re trying to achieve.

6. Stay Informed

Keep up with economic trends, interest rates, and market developments. Staying informed helps you make rational investment decisions instead of reacting emotionally to short term market movements.

7. Review Your Own Performance

Your financial wellbeing isn’t only about your investments. Looking after your health, maintaining good habits, and staying focused all contribute to making better financial decisions over the long term.

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The material provided in this article is for information only and should not be treated as investment advice. Viewers are encouraged to conduct their own research and consult with a certified financial advisor before making any investment decisions. For full disclaimer information, please click here.