When Does Your Portfolio Need Review From a Professional Stock Market Advisor?

The unpredictable nature of the stock market makes it a unsafe arena where you need to invest your money smartly. Once you start investing in the stock market, you must put your energy and time into managing your SIP (Systematic Investment Plan) along with your monthly budget and savings. At the initial state of earnings, it is pretty easy to allot money from revenues for expenditure, stock investment, and savings. When your returns and capital gains through stock investment increase, there will be more financial risks related with stock investment. In such situations, an individual requires expert assistance to avoid financial blunders; this is where they need the help of a stock market advisor. 

A professional stock market advisor reviews your portfolio and recommends a personalised investment plan per your future needs and keeping risks in mind.

Why Reviewing Your Financial Portfolio Important?

Following are some important reasons why it is vital to review your financial portfolio regularly. 

Portfolio Health Check

Another portfolio checkup element is cutting out the underperforming assets. Sometimes assets that were the top performers once are the ones that struggle to keep up with the market. This could happen due to a multitude of reasons like managerial complications, reduced market presence and many such aspects. A periodic portfolio health check will ensure that you don’t carry any underperforming assets. 

It Rebalances Portfolio

Moreover, you can minimise the risk involved by updating your portfolio as per current market conditions. You can allocate your desired assets, just by getting a professional to re-evaluate your portfolio. These changes are mainly based on volatile market conditions and the invested amount. Asset Allocation or portfolio rebalancing is an ongoing process that will not happen in a day. You can manage your assets like equity shares, mutual funds, EFTs, short-term funds and many such funds. 

When Is The Right Time To Review Your Portfolio?

Post Investment Goal Changed

A stock investor needs to adopt a smart investment strategy keeping the financial goals in mind. Performing a portfolio review is vital if there is a shift in the end goal. There could be numerous deviations, including an increase or decrease in expenses, unforeseen financial urgencies, a medical emergency, home renovation or a sudden surge in returns. Any fluctuation can impact future goals, whether a huge return gain or an urgent financial need. Therefore, keeping your investment portfolio aligned with the current scenario is crucial. 

When you are paying huge taxes

If an individual has to pay a considerable tax on capital gains or ROI, you must seek assistance from your stock market advisor for proper investment planning. Additionally, when an amendment is made in tax law or regulations associated with a specific asset class, investors must consult with a stock market advisor. A professional will help you determine how it will impact the returns, capital gains and allocation so that they can adjust their asset allocation accordingly. 

Market volatility

The uncertainty and fluctuations in the market can cause your share prices to plummet which can be a big loss. This is why its important to review your portfolio with the help of an expert because only an expert can look at the market condition and predict the prices of shares. A professional market expert will look at your portfolio and suggest which shares you should keep and what shares you should sell to minimise the loss or maximise the profit.

Portfolio Rebalancing

Portfolio rebalancing is frequently required per market changes and investors’ personal financial needs. It is often essential to seek the assistance of an expert when making modifications to the asset mix. 

Financial Year Change

An investor’s risk tolerance capacity, financial situations, investing objectives, and general market conditions may vary over time. It necessitates a review of the investment portfolio to verify that the investor is on track to meet the financial objectives.

How to choose the right financial advisor?

Stock investment is standard practice, and when it comes to investing in the stock market, financial goals and risk tolerance differ from investor to investor. So, choosing the right financial advisor depends highly on the need. If an individual needs to align their finances properly, they must seek assistance from a financial planner. On the other hand, if you need to manage your investment portfolio as an investor, then you need help from a professional stock market advisor. The market is packed with plenty of alternatives to choose from. Stockify is one such reputed and trustworthy stock investment advisor that can provide thorough assistance with your investment portfolio.

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Stock investment advisors can draw up plans or recommend specific investment products to meet your financial goals.


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Piyush Jhunjhunwala
Piyush Jhunjhunwala
CA, CPA, Ex. PepsiCo, Reckitt, Coty
CEO & Founder
Dubai, UAE.
Rahul Khatuwala
Rahul Khatuwala
Ex. Wipro & Finaco Founder
Bangalore, India.