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Have you assessed your asset portfolio yet?

Uncategorised • 17th Dec, 21

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As the year winds up, and you set up resolutions for the imminent year of 2022, a big question still needs to be answered.

Have you assessed your asset portfolio yet?

You have taken care to plan which assets you wanted over the course of what can be called a turbulent year, especially with current inflation woes, but it still remains prudent to check the health and viability of your assets.

If you have never reviewed your portfolio of assets before, don't fret as you can build this up into a new habit for years to come. This could be the beginning of an important resolution to keep.

You are still in charge of what happens to your portfolio so far as, what to keep and what to ditch.

A great place to start is by considering the following:

1. Have I met my financial goals?

This is always a great indicator to measure how disciplined you were at keeping your commitments. Perhaps your goal was channeling 10% of your income towards a regular investment into the stock market for example, to reach a specific amount you had set at the beginning of the year. If you did it, great job!

Consider maintaining that same rate or increasing it for a higher goal. If you struggled, then find out what obstacles were preventing you from reaching your goal and deal with them decisively.

2. Is my Asset Allocation strategic?

As a rule of thumb, you never put your eggs in one basket. This does not mean your asset allocation is done haphazardly either. If you practice these rules then evaluate if the mix of equites, bonds and cash is stable in the medium to long-term.

Take note of what the professionals and institutions such as the European Central Banks are saying about inflation and its impact on the currently low interest rates. Never hesitate to ask for help to ensure profitable asset allocation.

3. Are my liquid assets sufficient?

If you are working, you must have at least six months worth of living expenses in cash. Retirees must have upto one year's living costs in an emergency fund. Liquid assets are those that are converted into cash quickly in the event of an emergency.
Stocks are usually the easiest to convert into cash, however, discipline is key to make sure you are not tempted to convert them into cash whenever a stock goes up. Rather look at long-term trends to determine if the high is momentary or not.

4. Are my tax obligations in order?

Its important no matter where you live that your money is not only working as hard as possible for you but also its as tax efficient as possible. For example in places like the UK, France, Switzerland, Ireland and Spain there are various ways to make tax savings. 

In some counties disposal of various assets are taxable so its important to be diligent and always consult a financial adviser or/and tax adviser about deductions and what taxes are due from you. 

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