13 SMART Goals Examples for Your Investments

Investing is a crucial component of personal finance. It requires a strategic and planned approach to ensure long-term growth and profitability.

Setting SMART goals can help investors focus on what they want to achieve with their investments. They provide direction, motivation, and accountability to reach financial success.

In this article, we will explore 13 examples of SMART goals to help you enhance your investment strategy. These goals range from monitoring portfolio performance to investing in low-cost index funds.

Each one can be customized to your unique financial situation. By creating and attaining these SMART goals, you can take confident steps toward realizing your personal and financial dreams.

What is a SMART Goal?

The SMART system can help you establish practical goals for your investment portfolio. SMART stands for specific, measurable, attainable, relevant, and time-based.

Let’s dive deeper into every SMART element and explore how to apply them to your investment strategy.


Specificity is critical to reaching success in any endeavor, including investing. By developing specific goals, you provide clarity and direction for your investment portfolio.

For example, instead of setting a vague goal like “increase my wealth,” a precise one could be: “Invest $5,000 in low-cost index funds by the end of the year.” You will have a clear roadmap to achieve your milestones.


Measurable goals are important because they allow you to track your progress effectively. It’s essential to include criteria that can be quantified. This way, you’ll be able to monitor progress and adjust your investment strategy.


Make sure you take into account your current abilities and resources. You must set goals that challenge you but are still realistic. Otherwise, that may lead to disappointment and frustration later down the road.


It would be best to focus on what is important to you at a core level. Recognizing your personal values will help you establish meaningful investment goals.

Ask yourself questions like “What do I want to achieve with my investments?” or “What is my long-term financial plan?” Then, you can finally begin pursuing investment goals that align with your vision.


Creating a deadline allows you to better manage your time and avoid distractions that may derail your progress. To illustrate, a time-bound goal could be to “increase monthly contributions to my retirement account by 10% within the 6 months.”

13 SMART Goals Examples for Your Investments

Below are some examples of SMART goals for investing:

1. Increase Portfolio’s Overall Return

“I’ll increase my portfolio’s overall return by 10% within the next year by investing in high-performing stocks, diversifying my investments, and monitoring market trends.”

Specific: The goal is to increase the portfolio’s overall return (investing in high-performing stocks, diversifying investments, and monitoring market trends).

Measurable: You can measure success by checking if you increased your portfolio’s return by at least 10% within the year.

Attainable: This is possible if one invests in a diverse range of stocks and monitors the market wisely.

Relevant: The SMART statement applies to boosting the portfolio’s return.

Time-based: Goal attainment is expected within the following year.

2. Analyze and Limit Risk

“I will minimize my portfolio’s risk by 20% within the next two years. To do this, I’ll analyze and limit the risk of my portfolio by investing in low-risk bonds and regularly reviewing my asset allocation strategy.”

Specific: You’ll limit risks in your investment portfolio and reach the target of minimizing risk by 20%.

Measurable: The person can track the progress by monitoring the reduction of the portfolio’s risk by 20% over two years.

Attainable: Managing the risk of a portfolio is absolutely doable with the right investment strategy.

Relevant: The goal is relevant to analyzing and limiting the risk of an investment portfolio.

Time-based: There is a two-year end date to accomplish success.

3. Consider Tax Implications

“Within the following year, I will consult with a financial advisor to consider tax implications in my investment portfolio. I’ll also research and understand tax-loss harvesting strategies.”

Specific: This goal explains the action and a time frame for success.

Measurable: You can track progress by consulting a financial advisor and researching tax-loss harvesting strategies.

Attainable: It’s realistic to seek advice from a financial advisor and do research to consider tax implications in an investment portfolio.

Relevant: This is suitable as understanding tax implications can help maximize returns.

Time-based: You have one whole year to ensure timely completion.

4. Increase Asset Allocation Efficiency

“To reach optimal asset allocation efficiency this year, I want to regularly review and rebalance my investment portfolio to match my risk tolerance and investment goals.”

Specific: The goal is clear. The investor will achieve optimal asset allocation efficiency.

Measurable: You should monitor if the portfolio has reached optimal asset allocation efficiency within the year.

Attainable: This is doable with regular review and rebalancing of the investment portfolio.

Relevant: The goal is relevant to increasing asset allocation efficiency.

Time-based: Completion of this goal is anticipated in the next year.

5. Adopt Long-Term Investment Perspective

“I plan to adopt a long-term investment perspective by investing in stable, low-cost index funds and holding them for the next decade. My aim is to maximize returns over the long term while minimizing costs.”

Specific: You’ll adopt a long-term investment perspective, which involves investing in low-cost index funds and holding them for 10 years.

Measurable: Track success by monitoring if you’ve maximized returns while minimizing costs over the long term.

Attainable: Adopting a long-term perspective is achievable with a well-thought-out investment approach.

Relevant: Everyone should have the long term in mind when investing.

Time-based: Success is expected over the following decade (10 years).

6. Create Retirement Savings Plan

“I will create a retirement savings plan with a financial planner by the end of the quarter. The plan will include specific objectives, target amounts, and timelines for achieving those goals.”

Specific: You know what to do (create a retirement savings plan with a financial planner) and when (by the end of the quarter).

Measurable: Evaluate progress by tracking the plan’s target amounts and deadlines.

Attainable: Developing a retirement savings plan with the help of a financial planner is feasible.

Relevant: This statement relates to long-term financial planning and securing a comfortable retirement.

Time-based: The goal has one quarter for accomplishment.

retire early

7. Diversify Investment Portfolio

“I aim to have a diversified portfolio of at least 5 asset classes within the 7 months ahead. I hope to diversify my investment portfolio by allocating funds to different asset classes such as stocks, bonds, and real estate.”

Specific: There are precise actions available: diversify your investment portfolio and reach the target of having at least 5 asset classes.

Measurable: Assess whether you have invested in at least 5 asset classes within 7 months.

Attainable: Diversifying an investment portfolio is feasible with proper research and analysis of the market.

Relevant: This particular goal pertains to diversifying an investment portfolio.

Time-based: Seven months are required to reach the goal statement.

8. Monitor Portfolio Performance

“I will strive to review my investment portfolio’s performance against market benchmarks and adjust accordingly every month. That way, I can make educated decisions about where to invest and how to maximize my returns.”

Specific: There are explicit actions to be taken—reviewing portfolio performance and adjusting it.

Measurable: Assess the changes made in the portfolio based on market benchmarks.

Attainable: It’s realistic to review the investment portfolio’s performance on a regular basis.

Relevant: Following your portfolio performance will surely maximize investment returns.

Time-based: You should consider this an ongoing effort that you pursue monthly.

9. Invest in Low-Cost Index Funds

“Within 6 months, I will research and invest in low-cost index funds that align with my investment goals and risk tolerance. I plan to focus on index funds that have a proven track record of growth over the long term.”

Specific: The SMART statement is explicit about researching and investing in low-cost index funds.

Measurable: You could count the number and types of low-cost index funds invested in.

Attainable: Researching and investing in index funds is definitely doable over 6 months.

Relevant: This is appropriate since investing in low-cost index funds can minimize investment costs and improve returns.

Time-based: Six whole months are needed to reach lasting success.

10. Automate Investment Decisions

“I’ll rebalance my investment portfolio every 6 months to maintain the desired asset allocation. I will also consult a financial advisor to ensure it aligns with my financial goals and risk tolerance.”

Specific: You will rebalance your portfolio every 6 months and consult a financial advisor.

Measurable: Determine whether your portfolio aligns with your financial goals and risk tolerance.

Attainable: Regularly rebalancing an investment portfolio and consulting with an advisor is feasible.

Relevant: This will maintain the desired asset allocation and ensure it meets expectations.

Time-based: The goal has a reoccurring end date of 6 months.

12. Rebalance Portfolio Regularly

“I want to rebalance my portfolio every quarter by transferring the necessary funds between stocks, bonds, and other investments to maintain a pre-set ratio. That will ensure my investments are properly diversified and profitable over the long term.”

Specific: The goal is concise and clear, stating precisely the objective that will be met.

Measurable: The portfolio’s balance of stocks and bonds can be quantified each quarter.

Attainable: The statement depends on the investor’s financial literacy and ability to execute trades.

Relevant: This is relevant because it ensures that the portfolio remains properly diversified and profitable in the long term.

Time-based: You want to ideally rebalance the portfolio every quarter.

13. Invest in International Markets

“I will research and identify at least three international markets and understand their economies by the end of 5 months. Then, I want to invest in one of those markets to increase my investment returns.”

Specific: You have identified a timeline and aim to research three international markets before investing in one of them.

Measurable: Check off the boxes for each step after researching and understanding the markets.

Attainable: The person has identified a realistic deadline and plans to invest in one of the markets.

Relevant: Investing in international markets can provide better returns if done correctly.

Time-based: There is a 5-month window to accomplish this certain goal.

Final Thoughts

Developing SMART goals for your investment strategy can be a game-changer in achieving your financial dreams. By implementing the SMART goals discussed above, you can build a profitable portfolio.

From saving for retirement to simply growing your wealth, these SMART goals can help you move closer to your financial aspirations. So go ahead and set goals, develop a plan, and start investing today.

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Rei Shen

Rei is the founder of Success in Depth. Based in Washington, he graduated with a bachelor’s degree in Computer Science. He brings years of experience in goal setting to empower readers to reach their aspirations.