Tracking without obsessing

Monthly is plenty for a SIP household. Watch contributions and drift, not daily NAV.

6 min read · Intermediate · Updated 2026-09-06

Daily NAV is weather. The plan is climate.

What to look at

Once a month:

  • Did the standing instructions fire?
  • Did Live stay inside the jar?
  • Did the emergency number move the right way?
  • Did the room mix drift a lot?

Once a year:

  • Fees and duplicate funds
  • Nominees
  • Insurance still valid
  • Goals that changed jobs

What not to look at

A 2% week. A reel that says your index is “dead.” A cousin’s screenshot.

If tracking makes you want to tap buttons, you are not tracking. You are trading feelings.

**Note:** Finnass exists so the numbers live in one place and you visit on purpose. Guides teach which numbers matter.

Where it breaks

Spreadsheets with 40 columns and no monthly loop. No tracking at all until a scare, then a weekend of chaos.

  • Monthly beats daily.
  • Consistency and drift matter more than yesterday’s NAV.
  • If the app makes you fidget, schedule the visit.

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Key takeaways

  • Monthly beats daily.
  • Consistency and drift matter more than yesterday’s NAV.
  • If the app makes you fidget, schedule the visit.

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Educational only — not investment advice. Part of Portfolio Craft on Finnass Guides. Prefer hands-on tools? Open Calculators or the FIRE calculator.