Should I Rebalance the Funds In My 401(k)?

Ramsey Everyday Millionaires

Ramsey Network

Investing, Careers, Business

4.6 • 3.6K Ratings

🗓️ 28 February 2022

⏱️ 4 minutes

🔗️ Recording | iTunes | RSS

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Summary

Listen to how ordinary people built extraordinary wealth - and how you can too. You’ll learn how millionaires live on less than they make, avoid debt, invest, are disciplined and responsible! Featuring hosts from the Ramsey Network: Dave Ramsey, Ken Coleman, Rachel Cruze, John Delony, and George Kamel.

Transcript

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0:00.0	You're listening to Ramsay every day millionaires or we talk retirement, building wealth,
0:10.5	and outrageous generosity.
0:14.1	Sydney's with us in Baton Rouge.
0:15.8	Hi, Cindy.
0:16.8	Welcome to the Ramsay Show.
0:17.8	Hi, Dave.
0:18.8	Thank you so much for having me.
0:19.8	Sure.
0:20.8	What's up?
0:21.8	I was curious how you felt about our what the role of rebalancing your accounts with me
0:28.6	in your investments for retirement.
0:31.0	For example, if we invest into the four categories and one of them overperforms into 30 and 40%
0:38.4	of our overall portfolio at some point, should we rebalance that to get back down to 25%
0:44.8	into all four categories or should we just reevaluate the funds that we have?
0:49.8	It won't hurt to rebalance them.
0:53.7	The thing I don't wouldn't fool with is there's not enough benefit to do it as an obsession.
0:58.5	I mean, I know people that spend their entire December rebalancing every year and that's
1:05.3	I wouldn't do that.
1:08.1	For my funds to get rebalanced, they would have to get completely out of control.
1:11.7	Where I look up and I got 60% in one of the four or something like that and I probably
1:17.5	wouldn't want that.
1:21.9	So far, I've not had that issue.
	...

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