X-Ray Review

Jun 29, 2023 | Advice, Investments, SJB Service

X-Ray Review: An In-Depth Look at Your Investment Portfolio

In the world of investments, it is crucial to regularly evaluate and monitor your portfolio to ensure that it aligns with your financial goals and risk tolerance. An X-ray review is a comprehensive analysis of a portfolio that provides valuable insight into its overall composition and potential risks.

What is an X-Ray Review?

An X-ray review is a systematic examination of a portfolio’s holdings, weightings, and performance. The review provides a detailed overview of the portfolio’s diversification, exposure to various market sectors, and the presence of any concentration risks.

What Does an X-Ray Review Look Like?

People are often unaware of the costs in their portfolios or how well things are performing. There may be unnecessary costs which can easily be avoided or reduced. During an X-ray review, the following will be analyzed:

  • Comparing Investment Funds: The weighting and fees of the existing investment funds within the portfolio will be analyzed.
  • Risk Profile Comparison: The risk profile of the portfolio will be compared to the equivalent risk factor benchmark and other similar portfolios.
  • Comparison of Total Fees of Arrangement: The costs of the entire arrangement, including product fees, adviser fees, investment fund fees, and platform fees, will be analyzed and compared to other fee structures to determine if the investor is paying too much in fees.
  • Geographical Asset Allocation: The geographical asset allocation will be analyzed and the weighting percentage difference in each geographical area will be distinguished.
  • Past Performance: The effect of the above points on past performance over the previous 5 years will be looked at.

Why is an X-Ray Review Important?

Regular X-ray reviews can help investors identify any potential problems in their portfolios and make informed decisions to adjust them as needed. The review can also help investors to ensure that their portfolios are properly diversified, reducing the potential impact of market fluctuations on their investments.

An X-ray review is an important tool for investors to use to evaluate their portfolios and make informed investment decisions. By regularly conducting X-ray reviews, investors can ensure that their portfolios align with their financial goals and risk tolerance, and take action to adjust them as needed.

Contact SJB Global for a free, no-obligation X-ray review of your portfolio today. Often, there are outdated investments in portfolios with hidden charges attached to funds. Our X-ray review will only recommend changes if the result will provide more investment growth, meaning more money for your retirement. There’s no catch, just a check to ensure you are on track to reach your financial goals.

This communication is for informational purposes only based on our understanding of current legislation and practices which are subject to change and are not intended to constitute, and should not be construed as, investment advice, investment recommendations or investment research. You should seek advice from a professional adviser before embarking on any financial planning activity. Whilst every effort has been made to ensure the information contained in this communication is correct, we are not responsible for any errors or omissions.

Schedule an Obligation-free Call With an Adviser

By scheduling an appointment with an adviser they will reach out to you at your requested time. 
Personal advice, whenever it suits you.

Schedule an Obligation-free Call With an Adviser

By scheduling an appointment with an adviser they will reach out to you at your requested time. 
Personal advice, whenever it suits you.

SJB Global