As the year draws to a close, investors are being urged to review and rebalance their portfolios to ensure they remain on track with their financial goals. 

Speaking on Taking Stock with Kalilah Reynolds, Sagicor Investment Advisor, Eugenia Wilson, said that the final quarter of the year is “the perfect time to pause and reflect on the winners and losers in your portfolios.

Wilson said investors should assess which assets have performed well and which may need adjustment before stepping into 2026. 

“If one of your star performers has grown faster than the rest, that balance might shift,” she said. “That’s your cue to trim a little of your profit and reallocate to the areas that have been left behind.”

Portfolio rebalancing, she added, is essential for maintaining a healthy investment mix. Many investors start the year with a target allocation, for example, 70 percent in growth assets like stocks and 30 percent in defensive assets such as bonds or money market funds. 

Over time, however, strong performers can skew that ratio. “Think of it like tidying your investment closet,” Wilson said. “Your favourite pieces, your best performers, start taking up too much space. Rebalancing helps you reset your foundation.”

Beyond the winners, investors should also pay attention to underperforming stocks. Wilson advised against panic-selling and encouraged a closer look at whether the issue lies with the company’s fundamentals or simply the market price. 

“Ask yourself: has the stock changed or just the price?” she said. If the company’s long-term prospects remain solid, investors can consider dollar-cost averaging, consistently investing small amounts over time, regardless of the price.

“It’s like catching your favourite stock on sale,” Wilson explained. “Over time, you lower your average cost per share and position yourself for stronger gains when the market rebounds.” However, she cautioned that if a company’s fundamentals have deteriorated, for example, due to poor management or a weak industry outlook, it may be time to cut losses and reallocate funds elsewhere.