Annual Portfolio Review

Once a year, step back and assess the full picture. This review keeps your portfolio aligned with your goals as your life and the markets evolve.

Calculate total portfolio return for the year and compare to a relevant benchmark
Check whether your asset allocation has drifted from your target and rebalance if needed
Review all fees paid (brokerage commissions, fund expense ratios, exchange fees)
Assess progress toward each investment goal (retirement, home, education, etc.)
Identify positions with unrealized losses and evaluate tax-loss harvesting opportunities
Revisit your risk tolerance — has your income, family situation, or health changed?
Confirm your emergency fund still covers 3–6 months of current expenses
Set your contribution plan for the coming year (monthly amount, asset allocation)
Document the key lessons and mistakes from this year's investing activity

This checklist is for education. You are responsible for decisions.