The 4-Rs of Investments: Review, Rebalance, Refresh, Rothenberg

The 4-Rs of Investments: Review, Rebalance, Refresh, Rothenberg

These 4-Rs will help you stay on track to reaching your investment goals!


It’s the beginning of a New Year and your investments should be a top priority in achieving financial success!

Although your investment goals are important and long term, they should be looked over regularly to help address any changes in investment strategy, based on your life changing needs and situations. These 4-Rs are key guidelines that you and your financial advisor can discuss together.


1. Review

What are your plans for 2018? Are you considering buying a new home, a new car, thinking of retiring, are the kids beginning or finishing university? These are just a few life changes to take into consideration when reviewing your portfolio. As far as an investment strategy, you and your investment advisor will want to look the status of your current investments and see how they are performing. How about your finances outside of your investments – mortgage, credit cards, other savings accounts? How would you react to market fluctuations? Asking these important questions and discussing them with your advisor will help ensure your portfolio is well-prepared for the future.


2. Rebalance

Rebalancing is an overall review of your investment portfolio in comparison to your ideal asset allocation – basically it’s finding the right mix of stocks, bonds, mutual funds, GIC’s and cash to match your risk tolerance and financial goals. Once this has been determined, the next step would be to make the necessary changes by selling and buying shares of investments to realign your portfolio to your desired target. This will be part of the review you have with your investment advisor.


3. Refresh

A new year is always a great time to declutter – out with the old and in with the new! In reviewing your investments, which ones have fallen behind a bit? Which have done very well and should you take some profit? Maybe it’s time to research for new investment ideas. Therefore, it is a good idea to look over the diversification of your investments, give your portfolio a good clean up, realign your goals in order to have peace of mind and move closer to achieving your financial goals.


4. Rothenberg

We at Rothenberg are there to help you!

At Rothenberg Capital Management, we treat all clients with the same care and respect. We are members of the Investment Industry Regulatory Organization of Canada (IIROC) as well as the Canadian Investor Protection Fund (CIPF).

Our conservative approach and personalized care means that our advisors will meet with you on a regular basis to assess performance and adjust recommendations and portfolios accordingly. Our salaried Investment Advisors are happy to spend time with you to fully discuss your own personal situation and requirements. The result is our team can be a tremendous help for you to achieve long lasting financial investment success.


  1. Book an appointment with your advisor to discuss the 4-Rs for your portfolio in 2018.
  2. Not a client yet but would like to explore some options? Have an advisor contact you at no obligation.