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Rebalancing Your Portfolio: When and How
Trivia: What popular children’s toy of the 1950s consisted of colorful interlocking plastic bricks?
RetireHub
June 09, 2025
Rise and shine, RetireHub community! ☀️ Your Monday newsletter is here!
Today we’re sharing smart tips on when and how to rebalance your portfolio, along with the best deals, fun trivia, and more!
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On this day in 1984, Cyndi Lauper’s “Time After Time” hit No. 1 on the Billboard Hot 100. The heartfelt ballad became a timeless classic, showing the world that Lauper’s talent ran even deeper than her colorful style.
Rebalancing Your Portfolio: When and How
A Smart Tune-Up for Your Financial Health
Much like getting a routine check-up at the doctor or rotating your tires, rebalancing your investment portfolio is one of those smart habits that helps keep everything running smoothly. Over time, your portfolio can shift out of alignment with your original goals—and rebalancing is how you steer things back on course.
Why Rebalancing Matters
When you first set up your investment portfolio, you likely chose a mix of assets—like stocks, bonds, and cash—that matched your comfort with risk and your timeline for using the money. But the market is always moving. If stocks perform well, your portfolio might suddenly be heavier in stocks than you intended. That could expose you to more risk than you’re comfortable with.
Rebalancing helps you bring your portfolio back to your intended mix. It’s a way of making sure your money is still working toward your personal goals, not just drifting with the tides of the market.
When Should You Rebalance?
There’s no one-size-fits-all answer, but a good rule of thumb is to rebalance at least once a year. Some investors like to check in quarterly or semi-annually. You might also rebalance if your portfolio shifts more than 5–10% from your target allocation.
For example, if you originally had 60% in stocks and 40% in bonds, but now you’re at 70/30, it may be time to adjust. Life events—like retirement, the sale of a home, or a change in income—can also be signals that it’s time to revisit your strategy.
How to Rebalance
Rebalancing doesn’t have to be complicated. You can:
Buy or sell investments to bring your asset mix back in line.
Redirect new contributions—if you’re adding new money to your accounts, aim it toward underrepresented areas.
Use dividends or interest to reinvest in parts of your portfolio that need a boost.
Many retirement accounts and robo-advisors offer automatic rebalancing, which can take the guesswork out of the process.
Final Thought
Rebalancing is about discipline, not timing the market. By checking in on your portfolio regularly and making small adjustments, you’ll be helping your money grow with less worry and more intention. It’s a simple, empowering way to stay in charge of your financial future—no crystal ball required.
📊 Poll: How Often Do You Rebalance Your Investment Portfolio? |
Yesterday’s Poll Results: Have you ever taken a cooking class?
Looks like curiosity is simmering! According to our latest poll, 38% of you are hungry to try a cooking class, while 32% have already donned their aprons and loved the experience. Whether you’re flipping through a favorite old cookbook (18% of you prefer solo chef time) or dialing for takeout (no shame, 9%!), there's something heartwarming about how we all connect over food. Here's to good meals, good company, and maybe a new culinary adventure on the horizon!
TOP COMMENTS
“I'm not opposed to taking a cooking class, if one was offered near me. I learned to cook, as a child, watching mom and dad (both were really good cooks). I also watch cooking shows.”
“What we do is pick our main ingredients and then go online to find new recipes that catch our attention. Most sites show you step by step instructions that you can follow to prepare great meals at home.”
“When in Puerto Vallarta we took a cooking class where the chef took us shopping to the produce, meat and fish markets then proceeded to teach us to make mole sauce, tortillas, guacamole, tacos, enchiladas and much more.”
Calm Without the Pill: Three Simple Steps to Tame Anxiety Naturally
If the thought of relying on medication gives you pause, here’s great news—you can learn to manage anxiety using gentle, effective strategies rooted in awareness and mindfulness. Start by acknowledging your worries—write them down in two to three words so you can truly face them head-on. Next, shift your thinking: transform “This is too hard” into “I’ve handled tough things before.” Finally, create a daily habit—use a journal or checklist to track these shifts and build lasting confidence
This approach isn’t about ignoring real feelings. It’s about equipping your mind with compassion and control. With consistent practice, those unsettling thoughts begin to lose their hold—making room for peace, clarity, and self-trust.
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Slang Phrase of the Day
Phrase: Humblebrag
Meaning: To make a seemingly modest statement, while inserting a (not-so-subtle) brag.
In a sentence: "Edith let out a little humblebrag at book club when she casually mentioned winning a regional baking contest—again—while insisting she 'just threw the pie together last minute.'"
Good News of the Day
Brain Power on Your Plate: Why the MIND Diet Matters at Any Age
A major new study involving nearly 93,000 adults finds that embracing the MIND diet—designed specifically for brain health—can significantly reduce the risk of dementia, even when adopted later in life. Participants who closely followed the diet had around a 9% lower risk overall, with up to a 25% reduction in those who improved their eating habits over a decade. The benefits were particularly strong for Black, Latino, and White individuals, suggesting this brain-boosting eating plan offers powerful protection across different communities.
The MIND diet blends the best of Mediterranean and DASH diets, focusing on leafy greens, berries, nuts, whole grains, fish, beans, and olive oil—and cutting back on red meat, cheese, sweets, and fried foods. Researchers emphasize that even late adopters can benefit—highlighting how small, consistent changes like adding an extra serving of vegetables or swapping butter for olive oil can build a stronger, sharper mind over time.
Whether you’ve been following a healthy diet for years or are ready to make new choices now, the message is clear: it’s never too late to eat for a healthier brain. And with dementia rates expected to rise, adopting the MIND diet could be one of the most delicious ways to support long-term cognitive wellness.
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RetireHub Trivia
Want more trivia? Play our “Nostalgia Trivia Game” on our site! We add fresh questions daily, so there’s always something new to test your knowledge.
Not into trivia? No worries! We’ve got plenty of other fun games to enjoy, like:
Which musical group sang the hit song “Good Vibrations” in 1966? |
Which 1960s TV series featured a mysterious van called “The Mystery Machine”? |
What popular children’s toy of the 1950s consisted of colorful interlocking plastic bricks? |
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