As we head into summer, many investors find themselves reflecting on their financial strategies. Historically, May and the months that follow can bring increased market volatility—a phenomenon often referred to as the “Sell in May and go away” effect. While these seasonal trends capture news headlines and some people’s attention, the key to long-term success is not about making drastic moves but positioning your portfolio wisely and staying disciplined with your financial plan.
Now is a great time to revisit your investment strategy, evaluate your risk tolerance, and ensure you’re well-prepared for the months ahead.
Rebalancing Strategies
Market fluctuations in the first part of the year may have shifted your portfolio’s original allocation. Rebalancing allows you to realign your investments with your intended asset mix, reducing the risk of becoming overly concentrated in a single area. Whether equities have outpaced bonds or certain sectors have performed differently than anticipated, rebalancing can help your portfolio remain consistent with your long-term financial goals.
This disciplined approach not only manages risk, but it also encourages buying low and selling high—helping you stay aligned with a strategic, advisor-driven investment plan.
Revisiting Risk Tolerance
Your risk tolerance may naturally evolve over time due to changes in personal circumstances, retirement timelines, or broader market conditions. What felt comfortable two years ago might feel different today.
As summer begins, it’s a good opportunity to reflect by asking yourself:
• Are you still comfortable with the level of market risk in your portfolio?
• Has your financial timeline changed, requiring adjustments in your investment approach?
A conversation with our wealth advisors could ensure that your portfolio reflects your true risk tolerance and helps keep you on track toward your long-term objectives.
Considering Cash Reserves for Near-Term Goals
If you anticipate needing funds in the next 12 to 24 months for expenses such as purchasing a home, tuition, or a large vacation it may be wise to consider setting aside dedicated cash reserves. Keeping funds earmarked for short-term goals out of the market can reduce stress during periods of volatility and protect your ability to meet near-term obligations without having to sell investments at an inopportune time.
Building or reinforcing your cash reserves also provides more flexibility to handle unexpected costs.
Staying Disciplined Through Seasonal Market Patterns
While market headlines may stir up emotions about volatility or downturns, history reminds us that staying invested and sticking to a well-crafted plan often rewards patient investors.
Timing the market based on seasonal patterns or predictions rarely results in long-term success. Instead, maintaining a consistent investment approach, focusing on diversification, and making thoughtful adjustments when needed ensures your strategy remains resilient.
Partnering with one of our trusted wealth advisors can provide the structure and confidence needed to navigate the inevitable ups and downs, and to stay focused on what matters most—your goals.
If you’re looking for a personalized approach to managing your portfolio through all market conditions, we invite you to contact Ballentine Capital Advisors. Our wealth management team is here to help you build a resilient, goal-oriented financial strategy for today, tomorrow, and beyond.
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This material is prepared by Ballentine Capital Advisors for informational purposes only. It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation or any particular security, strategy, or investment product.
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