Step 7/7
Maintain your portfolio (keep it boring)
Estimated time: ~3–6 minutes.
Quick summary
- A good portfolio is one you can hold through bad years.
- Rebalance occasionally (monthly is usually overkill; yearly is often enough).
- Most news is noise. Focus on contributions, fees, and your asset mix.
A simple maintenance routine
- Contribute regularly (if possible).
- Once or twice per year, check your allocations.
- If you’re far from target, rebalance calmly.
- Ignore day-to-day headlines.
Common emotional mistakes
- Selling after a crash (locking in losses).
- Chasing the best-performing ETF of the last year.
- Constantly changing strategy.
What next?
Now you can use calculators and the library without getting lost.