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Take a Fresh Look at Your Investment Portfolio's Performance

Date: February 28, 2025
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When was the last time you reviewed your investment portfolio’s performance?

If it’s been a while, now could be a great time to take a fresh look at your retirement account and make sure you’re on the right track on your Financial Flexibility and Freedom® journey.

Why Review Your Investment Portfolio?

Your approach to retirement savings shouldn’t be to “set it and forget it.” It’s important to assess your portfolio regularly to make sure your investment strategy is still right for you, your family and your financial future.

By reviewing your portfolio, you can:

  • Revisit your asset allocation to ensure it aligns with your retirement goals
  • Adjust for market changes and shifts in the economy
  • Maintain the right level of risk for your retirement timeline
  • Explore opportunities for potential growth while protecting your savings

What to Ask During Your Review

When reviewing your retirement portfolio, ask yourself these questions:

  • Am I on track to meet my retirement goals?
    Compare your current savings to your target retirement number — the amount you need saved to retire comfortably. Are you still on track? Using a retirement savings calculator can help you determine if there’s a gap.
  • Has my risk tolerance changed?
    Your investment strategy may not be the same as when you first started saving in your 20s or 30s. As you approach retirement, you might consider shifting your approach to match your current risk tolerance.
  • Do I need to rebalance my portfolio?
    The ups and downs of the market may require you to rebalance your portfolio to better reflect your short- and long-term goals.
  • Am I making the most of my contributions?
    If you haven’t reviewed your contributions recently, you could be missing out on potential tax benefits to help grow your retirement savings. For example, contribution limits have increased for 401(k) accounts in 2025. Take a close look at your current contributions to make sure you’re taking full advantage.
​Partner with a Trusted Financial Advisor

Good news: You don’t have to navigate the retirement planning process alone. The CFS* financial advisors and registered representatives on Wright-Patt Credit Union®’s (WPCU®) Retirement Solutions Team​, available through CFS,* are available by appointment to review your current portfolio, answer your questions and help you plan for the life you want to live in retirement.

Let’s Take a Fresh Look at Your Retirement Plan — Together!

Life changes, and so do your financial goals. The start of a new year is a perfect time to check in and make any necessary adjustments to your retirement strategy.

Contact us today to learn more about our retirement planning options and schedule a complimentary, no-obligation appointment. We’re With You!​

​​​​​​​​*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered brokerdealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Wright-Patt Cr​edit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Before deciding to retain assets in an employer sponsored plan or roll over to an IRA an investor should consider various factors including, but not limited to; investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock.
CUSO Financial Services, L.P. (CFS) does not provide tax or legal advice. For such guidance, please consult your tax and/or legal advisor.
​ All information provided through this site is intended to be accurate. However, there may be inaccuracies at times, which will make all commercially reasonable efforts to correct when found. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.
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