Set It and Forget It? Not So Fast. Here’s When to Actually Check Your Investments

Geneka Holyfield
Apr 22
2 min read

Life is busy. Between work, relationships, and figuring out what’s for dinner again, it’s easy to set your investment portfolio on autopilot and forget it even exists. But if you’re serious about building wealth and securing your future, you can’t just “set it and forget it” forever. So how often should you check in on your investments? I’ve got you. Here’s the lowdown—with strategy, not stress.

1. At Least Once a Year (Don’t Skip This!)

If you do nothing else, make it a point to review your portfolio at least once a year. Think of it like your annual doctor’s appointment—except for your money. This check-in makes sure your investments are still aligned with your goals, risk tolerance, and overall life plan. You wouldn’t ignore your health, right? Same energy.

2. Quarterly or Semi-Annually (If You’re About That Growth Life)

If you’re actively working on goals like saving for a house, growing your business, or retiring early, checking in every 3 to 6 months is a power move. It gives you room to pivot if the market shifts or your priorities change. You’re not being “extra”—you’re being intentional.

3. After Major Life Events (No Skipping This Either)

Marriage, divorce, babies, a new job, an unexpected inheritance—when life changes, your money plan should too. Don’t wait until next tax season to realize you’ve outgrown your current financial setup. Keep your portfolio aligned with your real life.

4. When the Market Acts Up (Like Right Now)

Let’s face it—market drama is inevitable. As of April 2025, the stock market has been on a rollercoaster ride. Major U.S. indexes like the S&P 500 and Nasdaq have experienced significant declines, with the S&P 500 falling over 12% and the Nasdaq nearly 18%, nearing bear market territory. These downturns have been fueled by escalating trade tensions and tariff policies. Investors are understandably anxious, but many are choosing to stay the course, with only a minority shifting to safer assets. This environment underscores the importance of regularly reviewing your portfolio to ensure it aligns with your risk tolerance and long-term goals.

What Should You Actually Be Looking At?

Asset Allocation: Is your mix of stocks, bonds, and other investments still working for you?
Performance: Are certain investments dragging their feet? Time to dig in and reassess.
Risk Level: Are you still sleeping well at night? Or is your portfolio stressing you out?
Fees: Could you save money by switching to lower-cost options?
Your Goals: Have they shifted? Because your portfolio should move with you—not against you.

Final Word: Don’t Over-Tinker

Let me be clear: reviewing your portfolio doesn’t mean obsessively refreshing your investment app. That’s a recipe for anxiety, not success. Stick to a schedule, keep your eyes on your goals, and trust your strategy.

You’re not just investing money—you’re investing in you. So treat this like a power move.