Portfolio Review

How often should I review my portfolio?
Don’t let your investment strategy fall out of date - periodically, take some time to make sure you’re on track for your financial goals.

When is the best time to evaluate my portfolio, and what factors should I consider before making any changes?
Many financial professionals suggest reviewing your portfolio once a year to be sure that your investments still fit your situation. Some investors take stock at year’s end. Others prefer tax time - when financial records may be readily accessible - or the leisure of an unhurried weekend afternoon. Whenever you choose to review your portfolio, be sure to seek the assistance of a financial advisor.

Here are some questions to consider during your review:

How is my money invested?
When your goal is many years away, like retirement, you should seek growth potential to help build assets, even though the chance for greater reward may carry added short-term risk. As the time-frame for your goal approaches, you may want to consider shifting some of your portfolio into less volatile investments that may help preserve your savings. However, to offset inflation, it’s important to maintain some investments with growth potential.

Why do I need a diversified portfolio?
Market fluctuations may affect various types of investments very differently. So including a variety of investments in your portfolio may allow you to reap gains from one to offset declines in another.

What’s my asset allocation?
Asset allocation is the way you divide your portfolio among stocks, bonds, and money market funds. Investors should set allocation targets appropriate for their goals and time horizons. Afterward, you may want to periodically check to see if market changes, such as a prolonged period of falling stock prices, have pushed your portfolio allocation away from your targets.

Remember, any change in your life - expected or unexpected - may call for an immediate portfolio review. Otherwise, an annual checkup should keep your portfolio in line with your investment goals and help you avoid making changes following short-term market swings.

This information is authorized for use only in the case of concurrent or prior delivery of the offering prospectus of the Fund. You should consider the investment objectives, risks, charges, and expenses of a Fund carefully before investing. A prospectus containing information about a Fund (including its investment objectives, risks, charges, expenses, and other information about the Fund) may be obtained here. The prospectus should be read carefully before investing in a Fund.

The Seligman Funds are managed by J. & W. Seligman & Co. Incorporated (Seligman). The Seligman Mutual Funds are distributed by Seligman Advisors, Inc. Seligman Services, Inc. provides client services to Fund shareholders. Seligman Advisors, Inc. and Seligman Services, Inc. are wholly-owned subsidiaries of Seligman.

Distributed by Seligman Advisors, Inc.