Page 60 • The HERALD • 8th October 2026 v THE HERALD - Your Community Magazine v ASK A PROFESSIONAL Is Your Investment Plan Still Fit for Purpose? by Michael Osman, Oyster Financial Planning e years between 50 and 70 can bring signi cant change. Retirement may be approaching—or already underway—while children become independent, mortgages are repaid and priorities begin to shi . Yet many investment portfolios remain exactly as they were arranged years ago. at can be worth addressing. A sound investment plan should evolve alongside your life. e level of risk that you felt comfortable with while earning a regular salary may feel very di erent once you begin relying on pensions, savings and investments for income. Equally, becoming too cautious too soon could make it harder for your money to keep pace with in ation over a retirement that might last 20 or 30 years. Regular reviews help answer some important questions. Are your investments still suitably diversi ed, or has strong performance in one area le you more exposed than intended? Do you expect to withdraw money in the next few years? Are you holding enough accessible cash for planned spending and unexpected costs? And are the charges you pay still reasonable for the service and value you receive? A review is also an opportunity to consider changes beyond the nancial markets. Retirement dates move, health and family circumstances alter, and plans to travel, help children or grandchildren, or leave an inheritance can all a ect the way money should be invested. Reviewing does not necessarily mean making changes. Sometimes the best course is to remain patient and avoid reacting to short-term headlines. e purpose is to check that your strategy still re ects your goals, timescale and ability to cope with uctuations. Just as we arrange an MOT for the car, our nances bene t from regular attention too. A simple annual review can provide reassurance that your investments remain aligned with the life you are living—and the future you are planning. is article is for general information only and does not constitute personal nancial advice. e value of investments can fall as well as rise. To learn more and maybe arrange a review please contact us Oyster Financial Planning in Hythe Village, call: 023 8084 8410 or email: michael@ oyster nancialplanning.co.uk Michael Osman, Oyster Financial Planning
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