Month-end review: what changed in your pie?
A calm month-end checklist for comparing saved targets, connected holdings, cash, and unassigned positions.
The month-end review is not about reacting — it is about noticing what changed and deciding whether your plan still fits.
What a month-end review is for
A month-end portfolio review is a scheduled check, not an emergency response. The goal is to compare where you are against where you planned to be, without making impulsive changes. For self-directed investors using WealthPie, the review involves opening your pie, checking the current allocation column, and asking one question: did the market move me, or did my plan move me? The answer tells you whether any action is warranted.
The four things to check
First, verify each pie totals 100% — any rounding or manual change can shift this. Second, identify which slices moved the most relative to their saved targets. Third, check whether any holdings became unassigned since last month. Fourth, review your cash balance against the level your plan assumes. These four checks take about ten minutes and catch most issues before they compound.
When drift is worth acting on
Not every deviation from target requires a trade. A slice that drifted 2-3 percentage points in a single month is within normal market movement. The cleaner question is whether the deviation changes the character of your portfolio — for example, whether an equity sleeve has grown so large that it no longer matches your risk comfort. A 5-percentage-point threshold is a common starting point for Canadian self-directed investors.
How WealthPie supports monthly reviews
WealthPie shows the gap between your saved target allocation and the current allocation pulled from your connected brokerage in a single view. You can enter a planning amount to see how a future deposit would land across under-target slices without placing any trades. This makes the month-end review a planning exercise rather than a transaction-first workflow.
Review checklist
- Check whether each pie still totals exactly 100%.
- Review slices that moved furthest from target.
- Note any holdings that became unassigned since last month.
- Compare cash balance against your expected reserve level.
- Keep notes for your next brokerage deposit setup.