KEY TAKEAWAYS:

Portfolio rebalancing reduces risk and helps build safer assets near retirement.

Workers should review retirement contributions and increase international stock exposure.

RMDs can be paired with selling appreciated assets to aid rebalancing.

Insurance reviews and charitable donations offer additional year-end financial benefits.

As 2025 winds down, here are some moves to help you finish the year strong financially. Morningstar’s director of personal finance and retirement planning, Christine Benz , discusses strategies.

This interview has been edited for length and clarity.

Benefits of Rebalancing Your Portfolio

Q: What are the benefits of portfolio rebalancing, and who most needs to do it?

A: The main benefit of rebalancing is risk reduction. You trim securities

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