Dear Investor,
Most investors don’t fail because they are lazy. They fail because they are overloaded with information, switch strategies too often, and end up chasing noise instead of following a resilient plan.
That’s why I created this simple 30-minute portfolio checklist. Take half an hour (or less) to go through it and you’ll quickly see if your investments are built for consistency and growth.
📊 The 30-Minute Portfolio Checklist
Peace of Mind
Do you find yourself constantly checking stock prices, or do you feel confident enough in your plan to let your portfolio run without stress?
Is your portfolio designed so you can stay invested through noise (tariffs, elections, headlines) instead of reacting in fear?
Are your returns steady enough that you don’t feel the need to time every entry and exit?
Consistency & Strategy
Have you gone years with flat or negative returns, or is your portfolio structured to deliver reliable growth year after year?
Is your approach based on a repeatable system, or do you find yourself switching strategies (technical charts, hot tips, predictions) when things don’t work?
Is your strategy something you can stick to for the next 10–20 years, or does it rely on too much risk, guessing, or active monitoring?
Understanding & Simplicity
Can you clearly explain the purpose of each holding in your portfolio (income, growth, stability) without diving into complicated technical analysis?
Do you know whether you’re leaning more toward value or growth, and how that balance affects your outcomes?
Could a beginner (or even a family member) look at your portfolio and understand why you own what you own?
Return vs. Risk
Are you chasing “the next big thing” (trying to get in early), or are your returns built on a foundation that doesn’t require perfect timing?
Is your portfolio prepared to handle different life stages and market cycles, from building wealth to protecting it, without constant reinvention?
Is speculation in your portfolio kept small enough that it doesn’t derail your long-term plan?
⚠️ Red Flags
If you answered “no” more than three times, your portfolio may be:
Over-trading and over-thinking
Built on chasing news, tips, or timing the market
Misaligned with your long-term life goals
🚀 Next Step
Most investors start scattered, then wonder why results are inconsistent. The real edge is building a portfolio you can trust enough to stop second-guessing.
That’s exactly what my Co-founder, Zee, has covered in he past few weeks of our newsletter, start here:
Talk soon,
Howie Tan
Co-founder, Kintsugi Investing