2020 was an eventful year, even financially. The stock market started the year on a back foot and recovered till around February of this year. Gold experienced a golden run during the first wave of the pandemic, while interest rates shrunk significantly. In light of all these developments, the beginning of FY22 is an opportune moment to review your investment portfolio. If you notice funds stuck in underperforming investments you can switch them to asset classes that showed promising signs. By all probability, you may have made some of these decisions even during the year. For instance, withdrawing funds from debt instruments to invest in gold in the middle of last year. In any case, these decisions should be calculated well and taken after due consideration. Any common investor should always consult a financial or investment planner and act after receiving their guidance. These experts study the market and financial instruments from different angles and are often better positioned to align your investments according to your financial objectives.