Fine Tuning Your Asset Allocations
Your investment journey doesn’t end once your portfolio is set up. Regularly fine-tuning your asset allocations is essential to keep your investments aligned with your goals, risk tolerance, and market changes. At Paul Merriman, we believe that a well-tuned portfolio helps you stay on track and maximize your long-term success.
Why Fine Tuning Matters
- Markets Evolve: Asset values shift over time, which can throw your portfolio out of balance.
- Life Changes: Your financial goals, risk tolerance, or time horizon may change as you move through different life stages.
- Risk Management: Rebalancing helps you avoid overexposure to any single asset class and maintain your preferred risk level.
Our Approach
Fine-tuning isn’t about chasing returns or making frequent trades. Instead, it’s a disciplined process that involves:
- Periodic Reviews: We recommend reviewing your allocations at set intervals (typically annually or semi-annually).
- Rebalancing: Adjust your holdings to realign with your target allocation. This may mean selling assets that have outperformed and buying those that have lagged.
- Tax Efficiency: We consider the tax impact of any changes, helping you keep more of what you earn.
- Personalization: Your allocation should reflect your unique situation, not just market trends.
How We Can Help
At Paul Merriman, we provide:
- Education: Clear, actionable guidance on when and how to rebalance.
- Tools & Resources: Access to calculators, model portfolios, and step-by-step checklists.
- Expert Insights: Regular updates and articles from our team to keep you informed.
