Watch & Learn
When a portfolio review is genuinely useful
Three moments justify a review: a periodic annual check, a change in your circumstances, and a change in the goal itself. Outside those, frequent monitoring tends to produce reactions rather than decisions.
Vibhuti Jyotishi·Senior Investment Manager·7 April 2026·2 minutes 04 seconds
What this covers
The distinction the video draws is between reviewing and watching. A review tests the plan against the requirement. Watching tests your nerve against the market, and usually loses.
A change in income, family situation or timeline is a genuine trigger, because the requirement has moved. A fall in the market, on its own, has not moved anything the plan was built around.
Review when the goal or your life changes — not when the market does.
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