Worksheet
Investment Portfolio Review Check
Use this worksheet before changing funds, selling positions, or rebalancing. It helps turn a broad portfolio review into the next practical decision: clarify the target mix, check concentration, review taxes, sharpen cash and rebalancing rules, keep routine maintenance going, or coordinate professional review.
Portfolio review file
Build the portfolio review map
Start with the account picture, then review goals, allocation, diversification, holdings, taxes, cash, rebalancing, and coordination.
Account inventory
Can you see the full investment picture?
Start with the account list before judging any one fund, stock, or account.
Goals and timeline
Does each pool of money have a clear job?
The same portfolio mix can be right or wrong depending on what the money is meant to do.
Stock, bond, and cash mix
Does the stock, bond, and cash mix still fit?
Check the broad mix before deciding whether any specific holding belongs.
Diversification and concentration
Could one exposure be driving too much risk?
Diversification should be checked across the household, not only account by account.
Holding purpose and cost
Can you explain why each major holding is there?
Each holding should earn its place through purpose, cost, simplicity, tax fit, or planning need.
Taxes and account location
Could taxes change the order of operations?
Taxable accounts, retirement accounts, Roth accounts, and HSAs can play different jobs.
Cash needs and rebalancing
Are cash needs and rebalancing rules clear?
Money needed soon and money meant to grow should not be mixed by accident.
Professional coordination
Should someone review this before major moves?
Some portfolio decisions connect investment, tax, estate, legal, employer, or compliance issues.
Portfolio checkpoint board
Use this board to separate routine maintenance from allocation, concentration, tax, cash, rebalancing, and professional-review issues.
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Account inventory
Accounts, cash, outside assets, beneficiaries, balances, and key records.
Answer this section before relying on the portfolio review file.
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Goals and timeline
The job each pool of money needs to do and when it may be needed.
Answer this section before relying on the portfolio review file.
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Asset mix
The stock, bond, and cash mix compared with the intended target.
Answer this section before relying on the portfolio review file.
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Diversification
Single-stock, employer, sector, fund-overlap, business, property, or private-asset exposure.
Answer this section before relying on the portfolio review file.
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Holding purpose
Whether major holdings still have a clear job, reasonable cost, and useful role.
Answer this section before relying on the portfolio review file.
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Taxes and location
Taxable gains, losses, basis, account location, Roth, HSA, and retirement-account context.
Answer this section before relying on the portfolio review file.
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Cash and rebalancing
Near-term spending needs, cash buckets, and rules for bringing the portfolio back to target.
Answer this section before relying on the portfolio review file.
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Professional review
Investment, tax, estate, legal, employer-compliance, or planning issues that should be coordinated.
Answer this section before relying on the portfolio review file.
- 1Answer account inventory next.
- 2Use account statements, tax records, and household cash needs rather than memory alone.
- 3Pause major portfolio changes until the worksheet points to a clear next review lane.
How to use this worksheet
Use this review before making portfolio changes. The goal is not to earn a perfect score; it is to identify the next decision that deserves attention before you act.
1
Answer from the household view
Look across all investment accounts, taxable holdings, retirement accounts, cash, and outside exposures before answering.
2
Find the first weak link
The result names the review area that should be clarified before selling, rebalancing, simplifying, or adding risk.
3
Leave with a short action list
Use the next actions to decide what to gather, what to review, and which decisions should wait for more clarity.
About this tool
What this helps you do
This worksheet turns a broad portfolio review into one practical next lane: target mix, concentration, taxes, cash and rebalancing, routine maintenance, or professional coordination.
How to interpret results
A lower readiness score does not mean the portfolio is bad. It means the next decision needs more context before action.
Limitations
This tool is educational only. It does not recommend securities, calculate taxes, or replace investment, tax, legal, estate, employer-compliance, or financial-planning advice.