5 Financial To-Dos Before the End of 2025

分组1 - The main benefit of portfolio rebalancing is risk reduction, which involves trimming high-performing securities and redirecting funds into underperforming ones with more attractive valuations [1] - Investors aged 50 and above should focus on rebalancing to build safer asset reserves, particularly by moving money into high-quality bonds to take advantage of current attractive yields [2] - Individuals still working and saving for retirement should rebalance their portfolios with a focus on U.S. versus non-U.S. exposure, as many are underallocated in international stocks [2] 分组2 - Reviewing retirement contributions is essential, especially for those over 50 who can make catch-up contributions, with special provisions for those aged 60 to 63 [3] - Required minimum distributions (RMDs) can be utilized for portfolio rebalancing by using appreciated securities to meet RMD obligations, thereby de-risking the portfolio and potentially freeing up assets for cash flow needs [3] - It is advisable to review insurance coverage during open enrollment periods, considering changes in personal situations and available plans, particularly for employer-provided health care [4]