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The importance of rebalancing

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Over time, a portfolio can change to become less aligned with your investment personality and savings goals. For example, when equity investments do well, they can begin to represent a greater percentage of your portfolio. If left unchecked, this change could expose you to risk as you near your retirement date.

Rebalancing can correct this exposure. When you rebalance your portfolio, you make changes to move investments back in line with your investment style or asset mix.

Review your investments often – at least once annually — to make sure your portfolio matches the asset mix that works best for you. Revisiting the Investment personality questionnaire  each year will also help you re-confirm your recommended asset mix. If you’re a Canada Life group plan member, you can find the questionnaire on GRS Access as part of the Plan your retirement tool.

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Next lesson: Your investment checkup