Koko News | Business | 02 Dec 2025

Financial Moves to Make Before 2025 Ends

Inthelead-uptotheendof2025, herearesometipstohelpyouensureasolidfinancialfinish. ChristineBenz, directorofpersonalfinanceandretirementplanningatMorningstar, hassharedherinsightsoneffectivestrategies. Onekeymethoddiscussedisportfoliorebalancing, whichcanhelpmitigaterisksbyadjustinginvestmentsaccordingtotheirperformance. Byredistributingfundsfromwell-performingassetstopotentiallyundervaluedones, youcanrealignyourinvestmentportfoliotobettersuityourfinancialgoals.

在2025年即將結束之際，以下是一些建議，可幫助您確保財務穩健。晨星公司個人理財和退休規劃總監克里斯汀·本茨分享了她對有效策略的見解。其中一個關鍵方法是投資組合再平衡，它可以透過根據投資表現調整投資組合來幫助降低風險。透過將資金從表現良好的資產重新分配到可能被低估的資產，您可以重新調整您的投資組合，使其更符合您的財務目標。

It'scrucialtoregularlyrebalanceyourportfolio, especiallyasyouapproachretirementandneedtotapintoyoursavings. Thisisparticularlyrelevantforinvestorsaged50andabove, astheymayneedtoshifttheirfocustowardsbuildingsaferassetsforfuturespending.

定期調整投資組合至關重要，尤其是在接近退休需要動用儲蓄時。這一點對於50歲及以上的投資者尤其重要，因為他們可能需要將投資重點轉向建立更安全的資產，以備未來之需。

Forthosestillworkingandsavingforretirement, maintainingabalancedportfolioisessential. Consideringyourexposureto U.S. and non-U.S. markets iskey, aswellasevaluatingyourstylediversification. Adjustingretirementcontributionscanalsobeadvantageous, suchasmaximizingcontributionstocompanyretirementplans. Individualsover50havetheoptiontomakecatch-upcontributions, andthosebetween60and63cantakeadvantageofspecialcatch-upopportunitiesthisyear.

對於仍在工作並為退休儲蓄的人來說，保持投資組合的平衡至關重要。考慮您在美國和非美國市場的投資比例以及評估您的投資風格多元化程度是關鍵。調整退休繳款也可能帶來益處，例如最大限度地提高對公司退休計畫的繳款額。 50歲以上的人士可以選擇補繳部分退休金，而60至63歲的人士今年可以利用特別的補繳機會。

Whenitcomestorequiredminimumdistributions (RMDs), individualsover73shouldalignthemwithportfoliorebalancing. UtilizingappreciatedsecuritiestofulfillRMDrequirementscanhelpreducerisk, meetIRSobligations, andpotentiallyfreeupassetsforfuturecashflowneeds.

對於73歲以上的個人而言，在提取最低必要分配額（RMD）時，應與投資組合再平衡結合。利用增值證券來滿足RMD要求，有助於降低風險、履行美國國稅局（IRS）的義務，並有可能釋放資產以滿足未來的現金流需求。

Reviewinginsurancecoverageisalsoimportant, whetherit'sforemployer-providedhealthcareorMedicare. Takethetimetoevaluateplanchangesandhowtheyalignwithyourcurrentsituation. Forcouples, comparingemployerplanscanhelpdeterminethemostbeneficialandcost-effectivecoverageoption.

審查保險範圍也很重要，無論是雇主提供的醫療保險還是聯邦醫療保險（Medicare）。花點時間評估計劃變更及其與您當前情況的契合度。對於夫妻而言，比較不同雇主的保險計劃有助於確定最有利且最具成本效益的保險方案。

ConnectingcharitabledonationswithRMDscanalsohelpmanageportfoliorisks. Considergiftingappreciatedassetsdirectlytocharityoradonor-advisedfund, whichcanprovidetaxbenefitsandreduceportfoliorisk. EligibleindividualscanutilizequalifiedcharitabledistributionsfromtheirIRAtodonatetocharity, potentiallyoffsettingfutureRMDsandreducingtaxliabilities.

將慈善捐贈與最低提款額 (RMD) 結合，也有助於管理投資組合風險。您可以考慮將增值資產直接捐贈給慈善機構或捐贈者建議基金，這既能享受稅收優惠，又能降低投資組合風險。符合資格的個人可以利用其個人退休帳戶 (IRA) 中的合格慈善分配進行捐贈，這有可能抵消未來的最低提款額，從而減少納稅義務。

In the lead-up to the end of 2025, here are some tips to help you ensure a solid financial finish. Christine Benz, director of personal finance and retirement planning at Morningstar, has shared her insights on effective strategies. One key method discussed is portfolio rebalancing, which can help mitigate risks by adjusting investments according to their performance. By redistributing funds from well-performing assets to potentially undervalued ones, you can realign your investment portfolio to better suit your financial goals.

It's crucial to regularly rebalance your portfolio, especially as you approach retirement and need to tap into your savings. This is particularly relevant for investors aged 50 and above, as they may need to shift their focus towards building safer assets for future spending.

For those still working and saving for retirement, maintaining a balanced portfolio is essential. Considering your exposure to U.S. and non-U.S. markets is key, as well as evaluating your style diversification. Adjusting retirement contributions can also be advantageous, such as maximizing contributions to company retirement plans. Individuals over 50 have the option to make catch-up contributions, and those between 60 and 63 can take advantage of special catch-up opportunities this year.

When it comes to required minimum distributions (RMDs), individuals over 73 should align them with portfolio rebalancing. Utilizing appreciated securities to fulfill RMD requirements can help reduce risk, meet IRS obligations, and potentially free up assets for future cash flow needs.

Reviewing insurance coverage is also important, whether it's for employer-provided health care or Medicare. Take the time to evaluate plan changes and how they align with your current situation. For couples, comparing employer plans can help determine the most beneficial and cost-effective coverage option.

Connecting charitable donations with RMDs can also help manage portfolio risks. Consider gifting appreciated assets directly to charity or a donor-advised fund, which can provide tax benefits and reduce portfolio risk. Eligible individuals can utilize qualified charitable distributions from their IRA to donate to charity, potentially offsetting future RMDs and reducing tax liabilities.