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Investment planning

Portfolio Health Check

A few questions about purpose, diversification and access. Use them to organise a review, without a score or a product recommendation.

Optional questions to organise your thinking. Your answers stay on this page.

01Do you know what each investment is intended to do?

Each holding can have a role, such as growth, income or access to money.

02Do several funds own many of the same companies?

Different fund names can conceal exposure to many of the same companies.

03Is a large proportion linked to one employer?

Salary, bonus, shares and career prospects can share one source of risk.

04Is a significant proportion concentrated in one country or currency?

Compare the whole household’s holdings with where future spending may occur.

05Do you know the total cost across investments, platform or structure and advice?

Investment, platform, structure and advice costs can be separate layers.

06Can you access money when your goals require it?

Check settlement times, lock-ups and withdrawal terms against the goal.

07Has your portfolio changed materially since it was last reviewed?

Market movements and cash flows can change the mix you originally intended.

08Has your country of residence or tax position changed?

A move can change account eligibility, reporting and the treatment of holdings.

Your planning reflection

How does the portfolio fit your plan?

Answer the questions you find useful. A summary appears when all are answered; you can use the rest of the site without completing this check.

Use the result to choose one or two areas to look at more closely. There is no numerical score.

A portfolio is more than a list of holdings. Consider how the pieces work together for your goals, timing and access needs.

Answers stay on this page in your browser and are not sent to analytics. You can use the tools without completing this check.