When to rebalance your stocks in retirement and in the accumulation stage.

Most Canadian Do-it-yourself (DIY) investors are hybrid. They own a basket of Canadian stocks and largely manage U.S. and international diversification by holding ETFs. The ETFs are managed for you; that means the holdings (stocks and bonds) are rebalanced for you. When you hold a portfolio of individual stocks you will have to manage your own rebalancing. When to rebalance your stocks in retirement offers its own considerations. It can be a different ball game when we consider RRSPs and TFSAs where there a ...