Rebalancing Articles
Which Protects Your Retirement Better: Rebalancing or Buffer Strategies?
March 2025 by Charles Rotblut
A comparison of two approaches to handling withdrawals in your retirement portfolio.
March 2025 by Charles Rotblut
A comparison of two approaches to handling withdrawals in your retirement portfolio.
How Rebalancing Helps When Downturns Strike Early
March 2024 by Charles Rotblut
Retirees making withdrawals from diversified portfolios who rebalanced had a better outcome than those who did little to preserve their allocation weightings.
March 2024 by Charles Rotblut
Retirees making withdrawals from diversified portfolios who rebalanced had a better outcome than those who did little to preserve their allocation weightings.
Rebalancing to Navigate Bear Markets and Sequence Risk
March 2023 by Charles Rotblut
Periodically adjusting allocations back to intended targets lessens the magnitude of swings in a portfolio’s returns.
March 2023 by Charles Rotblut
Periodically adjusting allocations back to intended targets lessens the magnitude of swings in a portfolio’s returns.
The Importance of Rebalancing for Retirees and Other Investors
March 2022 by Charles Rotblut
Analysis of rolling 25-year periods showed rebalancing can lead to greater ending wealth for a hypothetical retirement portfolio by shifting dollars from bonds to equities during bear markets.
March 2022 by Charles Rotblut
Analysis of rolling 25-year periods showed rebalancing can lead to greater ending wealth for a hypothetical retirement portfolio by shifting dollars from bonds to equities during bear markets.
Rebalancing Update: A Revised Allocation Plus Additional Insights
March 2021 by Charles Rotblut
Modifying the allocation did not alter the primary benefits of rebalancing: significantly lower volatility as well as smaller drawdowns relative to not rebalancing.
March 2021 by Charles Rotblut
Modifying the allocation did not alter the primary benefits of rebalancing: significantly lower volatility as well as smaller drawdowns relative to not rebalancing.
Rebalancing Update: First Signal in Six Years to Adjust Allocations Issued
March 2020 by Charles Rotblut
A signal to rebalance one of our model portfolios was given following last year’s big run up in large-cap stocks.
March 2020 by Charles Rotblut
A signal to rebalance one of our model portfolios was given following last year’s big run up in large-cap stocks.
Rebalancing Update: The Market's Volatility Eliminated the Need to Adjust Allocations
March 2019 by Charles Rotblut
The volatility incurred in 2018 was high enough to bring the equity allocations back toward their targeted range, preventing the need for rebalancing.
March 2019 by Charles Rotblut
The volatility incurred in 2018 was high enough to bring the equity allocations back toward their targeted range, preventing the need for rebalancing.
Rebalancing Update: 4.5% Withdrawal Rate and Rolling Periods
April 2018 by Charles Rotblut
Increasing the withdrawal rate led to bigger distributions, but lower ending wealth. Altering the investing period also has an impact.
April 2018 by Charles Rotblut
Increasing the withdrawal rate led to bigger distributions, but lower ending wealth. Altering the investing period also has an impact.
Rebalancing Update: How Frequently Allocations Should Be Adjusted
March 2017 by Charles Rotblut
By allowing some fluctuation in the allocations, the models tracked have, on average, required rebalancing just once every three years.
March 2017 by Charles Rotblut
By allowing some fluctuation in the allocations, the models tracked have, on average, required rebalancing just once every three years.
Rebalancing Update: A Tiny Raise for Retirees
March 2016 by Charles Rotblut
Even with last year’s volatility, no rebalancing was required. Low inflation caused the withdrawal amounts to increase only slightly.
March 2016 by Charles Rotblut
Even with last year’s volatility, no rebalancing was required. Low inflation caused the withdrawal amounts to increase only slightly.
Rebalancing Update: Retirement Adjustments Necessary
April 2015 by Charles Rotblut
A retiree following the rebalancing model would have needed to rebalance at the end of 2014 because of the gains in large- and mid-cap stocks.
April 2015 by Charles Rotblut
A retiree following the rebalancing model would have needed to rebalance at the end of 2014 because of the gains in large- and mid-cap stocks.
The Danger of Getting Out of Stocks During Bear Markets
May 2014 by Charles Rotblut
Panicking and pulling out of stocks during turbulent market conditions can have a significant and lasting negative impact on your wealth.
May 2014 by Charles Rotblut
Panicking and pulling out of stocks during turbulent market conditions can have a significant and lasting negative impact on your wealth.
Portfolio Rebalancing: Observations From 25 Years of Data
April 2013 by Charles Rotblut
Using a rebalancing strategy over the past 25 years would have boosted returns, lowered volatility and kept the balance in one asset class from being drained.
April 2013 by Charles Rotblut
Using a rebalancing strategy over the past 25 years would have boosted returns, lowered volatility and kept the balance in one asset class from being drained.
Portfolio Rebalancing: Diversification, Risk Control
and Withdrawals
March 2012 by Charles Rotblut
Rebalancing maintains the benefits of diversification, provides a hedge against behavioral mistakes and works with annual withdrawals.
March 2012 by Charles Rotblut
Rebalancing maintains the benefits of diversification, provides a hedge against behavioral mistakes and works with annual withdrawals.
Best Practices for Portfolio Rebalancing
May 2011 by Colleen M. Jaconetti, Yan Zilbering, Francis M. Kinniry
A strategy that combines regular monitoring with rebalancing at certain thresholds provides a harmony between allocation goals and cost minimization.
May 2011 by Colleen M. Jaconetti, Yan Zilbering, Francis M. Kinniry
A strategy that combines regular monitoring with rebalancing at certain thresholds provides a harmony between allocation goals and cost minimization.
The Advantages of Diversification and Rebalancing
April 2011 by Charles Rotblut
Annually rebalancing to maintain proper diversification increases returns and lowers volatility.
April 2011 by Charles Rotblut
Annually rebalancing to maintain proper diversification increases returns and lowers volatility.
Portfolio Rebalancing and the "Problem" With Bull Markets
August 1997 by Maria Crawford Scott
Portfolio Strategies Workshop: How to keep your portfolio allocations balanced throughout a strong bull market.
August 1997 by Maria Crawford Scott
Portfolio Strategies Workshop: How to keep your portfolio allocations balanced throughout a strong bull market.