Nástroje, automatizace a praxe
Checklist for Your Regular Investment Health Check
Key takeaways
- Split checks into monthly (5 minutes), quarterly (30 minutes), and annual (2–4 hours).
- Monthly, it is enough to verify that the regular purchase went through and no broker has issued an alert.
- Quarterly, check allocation, fund news, and account activity.
- The annual audit covers XIRR, benchmark, fees, taxes, and documentation.
- Save the checklist as a template — each year just add the date and fill in the numbers.
An investment checklist is a simple list of questions that helps you systematically review the state of your portfolio — without forgetting anything or being swept away by emotions.
Monthly check (5 minutes)
- Did the DCA plan purchase go through correctly and in the right amount?
- Do you have any unread messages or alerts from your broker or fund?
- Has there been any unexpected charge or withdrawal?
Quarterly check (30 minutes)
- What is the current allocation, and does it differ from the target by more than 3 percentage points?
- Has the fund management company issued a fund report or announced a TER change?
- Has your financial situation changed (salary, expenses, goals)?
- Have you downloaded the quarterly statement and saved it in your archive?
Annual audit (2–4 hours)
- Calculate XIRR and compare with the benchmark
- Check the TER of all funds — is there a cheaper option?
- Verify the tax situation: what sales took place, what falls due tax-wise
- Review the document archive — is everything backed up and properly named?
- Update your investment log: what worked, what did not, what to change
Link the annual audit to the detailed annual review process. Record the results in writing — you will need them in a year.
FAQ
How often should I check my portfolio?
Monthly for 5 minutes (verify DCA), quarterly for 30 minutes (allocation, statements), annually for 2–4 hours (XIRR, benchmark, taxes, fees). Daily price monitoring adds stress but no value.
What if I find a problem during the quarterly check?
Note it down and address it at the annual review unless it is a critical issue. Immediate action is the exception, not the rule. Frequent position changes generate fees and tax events.
What does a simple checklist look like in practice?
A table in Notes or Notion is enough: date, allocation, XIRR, what I checked, what I changed. After two years you will have a valuable history of your decisions — and you will know why you made them.