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Maintaining your financial health



How a financial adviser will look after you and your portfolio

When choosing an adviser, you need to find someone you’re comfortable having a long-term working relationship with.

As well as keeping a close eye on how your investments are performing, there are several things a good adviser will do for you on an on-going basis.

One of the most important of these is rebalancing your portfolio to the appropriate asset allocation. Because different assets perform differently, the initial weighting will drift over time.

As equities outperform bonds over the long term, a portfolio will generally become more risky. To control risk, perhaps once or twice a year, your adviser will restore the original balance of your portfolio.

He’ll also have to ensure that you aren't paying more in tax than you need to, by carefully allocating assets between taxable and tax-advantaged accounts. Once you retire, your adviser will show you how to spend your money in a tax-efficient way.

And remember, life rarely turns out exactly as expected.

Your circumstances and goals may well change over time, and if they do, you’ll be grateful to have a trusted adviser to adjust your plan accordingly.

Don’t forget to subscribe to our YouTube channel where you'll find acres of digestible investor education - no matter what you're investing for.

By subscribing, you can dip in and out and tailor your own learning programme.

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Or jump to the next step in the Value of Advice series that interests you the most:

Do I need a financial adviser?

How can a financial adviser help you get higher returns?

How to control your investment costs

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