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step-by-step method"}],"markDefs":[],"style":"h2"},{"_key":"a1d261061aa2","_type":"block","children":[{"_key":"722ef6fb26b70","_type":"span","marks":["strong"],"text":"Step 1: Pick your target mix. "},{"_key":"722ef6fb26b71","_type":"span","marks":[],"text":"Decide what you're aiming for, like 80/20 or 70/30, based on your goals and how much risk you're okay with. If you don't have a target yet, stop here. You can't rebalance back to something you haven't decided on."}],"markDefs":[],"style":"normal"},{"_key":"aaaa9319b629","_type":"block","children":[{"_key":"faa6a027f09a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c619ee090a4f","_type":"block","children":[{"_key":"4819c446ee730","_type":"span","marks":["strong"],"text":"Step 2: List every account and what's in it. "},{"_key":"4819c446ee731","_type":"span","marks":[],"text":"Your TFSA, RRSP, FHSA, non-registered account, workplace plan, locked-in accounts, and your partner's accounts if you manage them together. 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Check the fund's own breakdown instead of guessing from its name."}],"markDefs":[],"style":"normal"},{"_key":"f14c7e8aa352","_type":"block","children":[{"_key":"3486f5a68fe9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ff7994437f51","_type":"block","children":[{"_key":"ca385a227a1c0","_type":"span","marks":["strong"],"text":"Step 4: Add it all up. "},{"_key":"ca385a227a1c1","_type":"span","marks":[],"text":"Total each group across every account, then divide by your whole portfolio's value. So $80,000 in stocks and $20,000 in bonds is an 80/20 portfolio, plain and simple, no matter how it's split between accounts."}],"markDefs":[],"style":"normal"},{"_key":"bcec1afb99a6","_type":"block","children":[{"_key":"50f59553e56e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"706c8e0e122f","_type":"block","children":[{"_key":"98a2df8bf6960","_type":"span","marks":["strong"],"text":"Step 5: See what's too high and too low. "},{"_key":"98a2df8bf6961","_type":"span","marks":[],"text":"Compare where you are now to your target. Then decide if it's off by enough to bother fixing. You don't need to hit your numbers down to the decimal."}],"markDefs":[],"style":"normal"},{"_key":"26e66a5cf88e","_type":"block","children":[{"_key":"0338a8d14d31","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e111e52ecaf9","_type":"block","children":[{"_key":"1c810e2ff52c0","_type":"span","marks":["strong"],"text":"Step 6: Use new money first. "},{"_key":"1c810e2ff52c1","_type":"span","marks":[],"text":"Before you sell anything, send new contributions toward whatever's running low. 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"},{"_key":"07b1a1285bca1","_type":"span","marks":[],"text":"When new money isn't enough, you may have to sell. Selling investments that have gone up in a taxable account can trigger a tax bill on the gains, so many people prefer to make these trades inside registered accounts, where that doesn't happen right away. Keep an eye on trading fees, currency costs, and any fund rules too. If your situation is complicated, it's worth a chat with a tax pro or financial planner."}],"markDefs":[],"style":"normal"},{"_key":"489a2bf9ec1b","_type":"block","children":[{"_key":"37bf00e410e2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6ef2c10065c8","_type":"block","children":[{"_key":"29b203d537640","_type":"span","marks":["strong"],"text":"Step 8: Pick a routine you'll actually stick to. "},{"_key":"29b203d537641","_type":"span","marks":[],"text":"Some people check once or twice a year. Others only rebalance when something drifts far enough past their target. 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Rebalancing too often only adds cost and busywork."}],"markDefs":[],"style":"normal"},{"_key":"d356869e035a","_type":"block","children":[{"_key":"772fc18cea430","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"87955ef5d8f4","_type":"block","children":[{"_key":"aea1eb5c40b40","_type":"span","marks":["strong"],"text":"Common mistakes"}],"markDefs":[],"style":"h2"},{"_key":"f86d8df6db76","_type":"block","children":[{"_key":"c837052fc7e60","_type":"span","marks":[],"text":"Rebalancing each account on its own instead of looking at everything together."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"578d0a828b9c","_type":"block","children":[{"_key":"1852a02eda910","_type":"span","marks":[],"text":"Forgetting about cash you've set aside to invest, or a workplace plan you almost never log into."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6e52a2602fef","_type":"block","children":[{"_key":"cdfa0d28546a0","_type":"span","marks":[],"text":"Selling investments in a taxable account without checking the tax bill first."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"489918d7ea23","_type":"block","children":[{"_key":"85c7e19b5b300","_type":"span","marks":[],"text":"Treating an all-in-one ETF as pure stocks when it holds bonds too."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"af28a41d0eb2","_type":"block","children":[{"_key":"4e7f715c0d4f0","_type":"span","marks":[],"text":"Thinking of rebalancing as a way to time the market."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a9b84d2afad4","_type":"block","children":[{"_key":"eaa125dc0a190","_type":"span","marks":[],"text":"A useful mantra: close enough and consistent usually beats perfect and constantly 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