Hi ,

I have been reviewing client portfolios recently, and one thing I always come back to is this:

A portfolio should not only look good when markets are calm.

It should also have a clear plan for what happens when conditions change.

So I thought to share a few questions I often ask when managing client money:

1. If the portfolio drops 15% to 20%, what is the rule?

Do we hold, add more, rebalance, reduce risk, or wait?

2. If cash is needed during a market downturn, which part of the portfolio can be used first?

This helps avoid selling long-term investments at the wrong time.

3. If interest rates, inflation, or the economy changes, what would cause us to adjust the strategy?

A portfolio should have clear triggers, not just react based on emotions.

4. How will this portfolio eventually turn into usable income?

Growth is important, but for retirement planning, income structure matters too.

I find these questions helpful because they shift the focus away from just “what to buy”…

…and towards whether the portfolio is actually built to support real-life needs.

Thought this perspective might be useful for you too.

Regards,

Zest

Executive Wealth Consultant | Associate Estate Planning Practitioner |

Licensed General Insurance Advisory

DISCLAIMER;

This message contains privileged and confidential information from Infinity Financial Advisory Pte Ltd. If you are not the intended recipient of this electronic message, please do not disseminate, copy or take any action in reliance on it. We request you notify us immediately before deleting this message. Any views expressed in this message or attachment/s are those of the individual sender and are not necessarily the views of the company. Infinity Financial Advisory Pte Ltd uses virus scanning software and while due care and attention is taken; the company excludes all liability for any loss or damage caused whether directly or indirectly by any computer virus or other defects transmitted with any email and any attachment(s), to the extent permitted by law. It is sent on the strict condition that the user carries out and relies on its own procedures for ensuring that its use will not interfere with the recipient's systems including but not limited to scanning this email and any attachment(s) for viruses and defects before opening or sending them on. The recipient assumes all risk of use and releases the sender from all responsibility and liability for any direct or indirect consequence of use.