How often will my portfolio be reviewed, and what happens if markets fall?

We conduct reviews frequently, checking asset allocation, performance against benchmarks, and upcoming life events. However, we also set automatic rebalancing bands – if any asset drifts beyond agreed percentages, we’ll adjust holdings to restore your risk profile. During market downturns, we focus on long-term strategy, not panic selling. That may involve harvesting tax losses, topping up quality assets at lower prices, or shifting surplus cash to defensive options until volatility subsides – all communicated clearly before action.