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January/February 2026
Rebalancing for Retirement
As we kickoff a new year, it's important to review the contributions you're making to your retirement plan(s). Consider rebalancing your investments annually to maintain your chosen asset allocation.* It's easy to do simply by contributing less to the investment class that's forging ahead and more to the class that's lagging.
A Different Process
Once you're retired and no longer contributing to your plan, the process of rebalancing can be more complicated. Instead of allocating more or less money to one asset class, you'll have to sell investments to reach your desired allocation. Typically, if you're taking required minimum distributions from your tax-deferred retirement accounts, rebalancing can be part of that process.Why Rebalance?
Rebalancing your portfolio brings your asset allocation back in line with the investment mix you originally chose. Rebalancing may be even more important in retirement than it is while you're accumulating assets. That's because fluctuations in your allocations matter less due to your longer time frame for recouping losses. Once you're retired, however, your goal will be to maintain your savings to ensure you'll have enough money to last throughout your retirement.Reduce Risk
Taking too much risk with your retirement savings may result in losses that can leave you without enough income for the lifestyle you envisioned. Rebalancing your accounts may help reduce the risk that your portfolio won't be able to recover from a drop in value.Control Volatility
Holding investments that are prone to wide market swings can be detrimental to your savings in retirement. If you have the option, selling off any volatile securities you're holding can help keep retirement accounts on a more even keel.What You Can Do
There are several steps you can take to preserve your retirement funds and make rebalancing easier. Your financial professional can help you create strategies for maximizing your retirement income.*Asset allocation won't guarantee a profit or ensure against a loss but may help reduce volatility in your portfolio.
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Adan H. Diaz and Bryce McLeish offer products and services using the following business names: FRESCO Financial Advisers – insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with FRESCO Financial Advisers. The information you provide us is the basis for the recommendations we make to help you meet your unique financial goals and objectives. If you experience a change in your financial situation or investment objectives, or if you wish to modify or add any restrictions concerning the management of your account, please contact us. Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
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