We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

How often do you check your investments?

124

Comments

  • Tolteca87
    Tolteca87 Posts: 1,394 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    A lot does depend if your portfolio is set to reinvest dividends automatically or if you need to decide what to do with them. This can have a big effect. I set up online access to my main SIPP during Lockdown 1 and found I'd had some big returns of capital on stock and the divs on ITs I bought in the 90's were now very substantial. I reinvested that in April and am now very happy with most of those ITs and stocks and as I locked in some great yields on top of the existing holdings now get to play with some nice chunks of change almost every month.
  • CFrog
    CFrog Posts: 86 Forumite
    Part of the Furniture 10 Posts
    I have a spreadsheet for monitoring both my and OH's ISAs and SIPPs that I update on a monthly basis.  I will check the status our HL accounts on a daily basis.
  • Vet
    Vet Posts: 182 Forumite
    Sixth Anniversary 100 Posts Combo Breaker Name Dropper
    usually during weekdays, once a day!
  • It's like when you get your first car, or fall in love with a new person. You look at them a lot. Then as time goes on you're still happy they're there, but sporadic checking of the oil/pulse/value satisfies you. 
  • dunroving
    dunroving Posts: 1,903 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 6 January 2021 at 12:13AM
    I'm now 3 years into retirement, on a modest defined benefits pension. I also have a fair bit in S&S ISAs and SIPPs (Fidelity and Hargreaves Lansdown).

    When I was working, I only looked at my investments occasionally (every few months), and mainly because I had another lump to invest. As I was "in it for the long haul", I figured the ups and downs would cancel each other out and all I wanted was to make sure I was invested in a range of funds.

    Now I am in draw-down phase, except I haven't drawn down anything (other than my 25% TFLS when I first retired, to pay off the mortgage)! Up until this past January, I looked over my investments only about once a month, and in fact in February 2019 started a once-a-month update, but just of the total balance in each account (2 ISAs, 2 SIPPs). 

    This past February, I really started taking notice regularly, when the Covid crash hit. I created a detailed spreadsheet of each fund I was in, how much, and performance over 1 month, 3 months, 6 months, 1 year, 5 years and 10 years. Early May, I decided to re-distribute my investments to (a) reduce the total number of funds from 15 to 9, and (b) move out of funds I just had bits and pieces in, and/or that I thought were not good bets for the near- to mid-term. These included an India fund, two small cap funds, and a couple of UK "opportunities" type funds. I also, for example, moved money from a Fidelity global index fund into the Vanguard global index fund (similarly, from M&G bond fund into the Fidelity bond fund), so instead of having two global funds, I only had one.

    Since mid-year, I have checked my accounts at least once every day, but mainly out of interest, just to see what the total balance is doing from day to day. I wouldn't make any changes based on this, just trying to understand what I've got. Interestingly, my Fidelity ISA holdings have regained lost ground to pre-Covid levels, and my SIPP has regained and added 13%.

    Every month, I repeat the process of recording the 1-month, 3-month, etc. performance of every fund, just for understanding. Interestingly, most of the funds I divested from were a good decision, except the India fund, which would have regained 27% from when I divested, and, and also the UK small-cap fund (which would have regained 33% from when I divested). C'est la vie, overall I'm happy with the performance of what I retained, and I'm happier tracking a smaller number of diverse funds.
    (Nearly) dunroving
  • Normally once a month. Occasionally if there's news of a crash / correction in the news, I'll check how much it's gone down in case of a really good opportunity to find some extra cash from somewhere to quickly invest - usually not as much of a drop as the media are making out though :smiley:
  • agent69
    agent69 Posts: 365 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Daily when the markets are going up, not so often when they are going down.
  • Sailtheworld
    Sailtheworld Posts: 1,551 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Every day at least. Don't know why because I hardly ever buy or sell anything.
  • ianthy
    ianthy Posts: 172 Forumite
    Part of the Furniture 100 Posts
    I glance the AJ Bell app plus Vanguard site once a week and then check fully at the end of each month. 
  • Every morning before work
    Travel lover, family man and some other stuff..
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.2K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.3K Spending & Discounts
  • 247.2K Work, Benefits & Business
  • 603.8K Mortgages, Homes & Bills
  • 178.4K Life & Family
  • 261.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.