Checklist
Portfolio checklist for long-term investors
Use this checklist to review the most important elements of your plan. It is designed for investors who want a disciplined, low-cost portfolio that can hold up through market cycles.
Core review items
- Goal alignment: Does your target allocation match your time horizon and retirement plan?
- Cost control: Are your ETF expense ratios and brokerage fees low?
- Diversification: Do you have broad exposure across stocks, bonds, and non-correlated assets?
- Rebalancing plan: Do you have a process to rebalance back to your target mix?
- Tax efficiency: Are you using tax-advantaged accounts where appropriate?
Portfolio risk checks
- Has your stock/bond allocation drifted far from the target?
- Are you overly concentrated in a single market, sector, or region?
- Do you understand how much volatility your plan can tolerate?
Execution checks
- Are you using a broker aligned with low-cost long-term investing?
- Do you have an account and funding plan ready for contributions?
- Have you scheduled regular check-ins for rebalancing and goal review?
Action plan
Use the premium Portfolio Analyzer to turn this checklist into actionable allocation changes, and use the review guide to set a recurring check-in cadence.