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1Clear out junk files and repair common Windows errors2Scan for outdated or missing drivers - takes under a minute3Repair Windows errors before they cause bigger problemsReview your retirement portfolio when its investments have drifted from your intended mix or when your income needs, time horizon, risk tolerance, or financial circumstances have changed. A review may mean rebalancing to restore your existing allocation—or deciding that the target itself should change. Before trading, account for withdrawals, required minimum distributions, taxes, fees, and the effect on diversification. There is no single allocation or review schedule that suits every retiree.
This is general U.S.-focused educational information, not a recommendation about a particular portfolio or trade.
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What rebalancing does—and what it does not do
Rebalancing brings a portfolio back toward its intended asset-allocation mix. Because stocks, bonds, and other holdings change value at different rates, their proportions can drift even when you have not made any trades. For example, the SEC illustrates how a portfolio intended to hold 60% stocks could rise to 80% stocks after market gains. That is an example of how drift can happen, not a recommended retirement allocation or a claim about what typically happens.
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Rebalancing is maintenance, not a forecast that one type of investment will outperform another. It is also different from changing your target allocation. If your circumstances or goals have changed, first decide whether the old target still fits; only then decide whether to restore it. The SEC’s guide to rebalancing describes the process as “bringing your portfolio back to your original asset allocation mix.”
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When to review your retirement portfolio
- Your actual allocation has moved away from your target. Compare the current percentages in your account with the mix you intend to maintain. Decide in advance what degree of drift would prompt action rather than reacting to every market move.
- Your retirement plan or circumstances have changed. A change in time horizon, risk tolerance, financial situation, or retirement-income goal may justify reconsidering the target allocation itself. An allocation chosen years ago does not necessarily remain suitable indefinitely.
- You need to plan withdrawals or take required distributions. Consider the amount and timing of withdrawals, which holdings might fund them, and the resulting effects on diversification and taxes.
- Your fees or ability to meet income needs have changed. Review account statements for costs and assess whether the portfolio remains aligned with the income you expect to need. Investor.gov’s near-retirement guidance encourages older investors to monitor progress toward retirement-income needs and fees.
Recent performance alone is not proof that you should change your allocation. The SEC distinguishes restoring a chosen mix from changing it in response to the relative performance of asset classes.
Ways to rebalance
The SEC describes three basic approaches. Which is practical depends on your cash flows, account, and tax situation.
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- Sell and buy. Sell some holdings in categories that are above target and use the proceeds to buy categories that are below target.
- Direct new purchases. Put new money toward underweighted categories instead of adding to holdings that are already above target.
- Redirect ongoing contributions. If you are still contributing to a retirement account, direct more of those contributions to underweighted categories until the portfolio is closer to its intended mix.
In retirement, a planned withdrawal may sometimes come from an overweighted category. Consider how that choice affects the portfolio’s diversification and taxes; official guidance does not establish one withdrawal order or a universal “cash bucket” rule. Before placing trades, check the account’s costs and tax treatment.
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Investor.gov describes two common approaches: review on a calendar schedule or act when an asset class moves beyond a preset percentage of its intended allocation. It says rebalancing tends to work best relatively infrequently, but does not prescribe a universal interval or threshold.
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| Approach | How it works | What to consider |
|---|---|---|
| Calendar review | Check the allocation at a regular interval, such as every six or twelve months. | A review date prompts a check; it does not require a trade if the allocation remains appropriate. |
| Allocation threshold | Review or act when a category moves beyond a preset amount from its target. | Choose a threshold you can monitor and apply consistently. The SEC guidance does not prescribe a universal percentage. |
Investor.gov’s older-investor guidance suggests reviewing allocation every six to twelve months and reviewing a withdrawal plan each year after preparing a tax return. These are agency suggestions, not mandatory rules or proof that a particular frequency works best for every investor. Consider whether contributions or withdrawals can bring the mix closer to target, whether a sale would create costs or tax consequences in the account involved, and whether you want to monitor the portfolio yourself.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Withdrawals and required minimum distributions are separate decisions
Investor.gov advises people approaching or in retirement to consider how much to withdraw and when, which assets to sell, how those sales affect diversification, and the tax consequences. It recommends creating a withdrawal plan and reviewing it annually after preparing a tax return.
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For many U.S. retirement account owners, required minimum distributions (RMDs) add a legal distribution requirement. The IRS says owners of traditional IRAs, SEP IRAs, SIMPLE IRAs, and retirement plan accounts generally must begin RMDs in the year they reach age 73, subject to plan-specific rules and exceptions. Withdrawals are generally taxable income except for amounts already taxed or otherwise eligible for tax-free treatment. See the IRS RMD guidance for current account-specific rules, deadlines, and exceptions.
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An RMD sets a minimum distribution under tax rules; it does not determine your investment mix or dictate which particular holding to sell. The IRS also says the account owner remains responsible for taking the correct RMD even when a custodian or plan administrator calculates it.
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Could a target-date fund handle rebalancing?
A target-date fund’s adviser handles allocation and rebalancing within the fund, typically shifting the fund toward a more conservative mix as its target date approaches. Investor.gov explains this in its target-date fund guide. Holding such a fund can reduce the need to rebalance the investments inside that fund, but it does not establish that its glide path fits your needs or that it covers your entire retirement-income plan.
Check taxes, fees, and advice before trading
Tax consequences and transaction costs depend on the account and your circumstances. Do not assume that a particular purchase or sale will—or will not—be taxable. The SEC advises investors to consider both taxes and fees before rebalancing and notes that a financial professional or tax adviser may help identify ways to minimize costs. Before relying on professional advice, understand the adviser’s role, fees, and potential conflicts.
Rules for fiduciaries overseeing covered retirement-plan assets are a separate matter from an individual investor’s portfolio decision. The Department of Labor’s retirement-plan fee guidance says fiduciaries must use prudent judgment, consider whether service-provider and plan expenses are reasonable, and monitor investment alternatives. Those are plan-fiduciary responsibilities, not personal trading instructions for an account holder.
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