Least but not Last: Fine-tuning Intermediate Principal Components for Better Performance-Forgetting Trade-Offs

Low-Rank Adaptation (LoRA) methods have emerged as crucial techniques for adapting large pre-trained models to downstream tasks under computational and memory constraints. However, they face a fundamental challenge in balancing task-specific performance gains against catastrophic forgetting of pre-trained knowledge, where existing methods provide inconsistent recommendations. This paper presents a comprehensive analysis of the performance-forgetting trade-offs inherent in low-rank adaptation using principal components of weight matrices as initialization. Our investigation reveals that fine-tuning intermediate components leads to better balance and robustness to high learning rates than first (PiSSA) and last (MiLoRA) components in existing work. Building on these findings, we provide practical guidelines for initialization of LoRA methods to balance the performance-forgetting trade-off. In a thorough empirical study on a variety of computer vision and NLP tasks we confirm that these guidelines achieve high accuracy and reduced forgetting.