Tailor your portfolio to fit your individual needs and goals "In a world of high correlation, macroeconomic risk and low yields, investors are being forced to try to find new sources of income and return," said Tom Becket of Psigma. Finding such ideas is very hard at this time, but for those willing to think outside the box there are some tantalising investments on offer. The professionals use a range of left-of-field investments to achieve diversification, such as student housing, infrastructure, private equity, commodities and currencies. Keep it all in one place From next year, investors will be able to move fund holdings between platforms. Currently, you have to sell a holding on one platform, sit in cash - potentially losing gains - and then repurchase the same fund on the new platform. Moving your funds all into one place, without having to sell and buy, will help you keep better tabs on your portfolio. "The way to hold assets these days is to use a platform, or fund supermarket, as they are sometimes called, which will allow you to review your investments easily, make necessary changes and collate the information together for tax purposes," said Ms Gee. Consider all assets Many investors consider their investment portfolio as simply their shares and composite funds. But it is important to remember that your cash accounts and any property you own count as assets too. If you already own one or more properties, be wary of buying a fund with property exposure. Similarly, if you hold a lot of money in cash, look for a liquid fund that is fully invested as you don't want to be doubly hit by low interest rates. Review your holdings regularly "Risk-rated funds are not a one-stop-shop for life," said Darius McDermott of Chelsea Financial Services. Your risk tolerance and investment goals change over time so you need to review as you would other investments - we always say look at your portfolio at least once a year, if not twice. A good financial adviser will prompt you to review your portfolio regularly, and ensure it still matches your risk profile. If you have bought a risk-rated fund directly from the provider, set yourself reminders in your diary to review your own holdings. Although you may not need to buy or sell funds as often as twice a year, there are certain life stages that advisers flag as moments to consider tweaking your portfolio. Property purchase, becoming a parent or grandparent and changing your job all warrant a portfolio review.