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There are two main approaches.

Key Points:

• The "bottoms-up, bucket" method means adjusting your investments to ensure you have enough safe assets to cover your planned spending timelines
• "Expected risk/return" focuses on maintaining a percentage-based mix of stocks and bonds that aligns with your overall risk tolerance
• Choose the method that lets you stay confidently invested, knowing your plan aligns with your financial goals and comfort level

Why It Matters: Rebalancing helps you tailor your investments to your unique needs and comfort level, maximizing the chance of reaching your financial goals while minimizing unnecessary stress.