Rich Habits Podcast

Q&A: When To Rebalance A Portfolio, Robert's Altcoins, & Weekly Dividends

Nov 20, 2025
Austin and Robert tackle portfolio rebalancing, sharing strategies for when to sell winners and boost underperformers. They dive into crypto, highlighting key tokens like HBAR and XLM linked to ISO 2022, and discuss Bitcoin's cycle signals. Practical advice follows for budgeting, emergency funds, and maximizing Roth IRAs. Caution is urged against weekly dividend ETFs due to potential drawbacks, while tips for evaluating covered-call ETFs are also provided. Get ready for actionable insights on managing wealth!
Ask episode
AI Snips
Chapters
Transcript
Episode notes
ADVICE

Follow Match → Roth → Taxable Order

  • Match your 401(k) contributions first, then max your Roth IRA, then fund a taxable brokerage account as a bridge to early retirement.
  • Keep a 3–6 month emergency fund in a high-yield savings before investing excess cash.
ADVICE

Rebalance On Rules, Not Emotion

  • Rebalance when positions become outsized or on a regular cadence like semiannually or quarterly.
  • Sell portions of gains and redeploy into underweight areas instead of letting cash sit idle.
INSIGHT

Semiannual Reviews Prevent Bad Timing

  • Twice-yearly portfolio reviews help reveal why you outperform or underperform benchmarks.
  • Regular check-ins prevent emotional trading and support long-term, net-buyer discipline.
Get the Snipd Podcast app to discover more snips from this episode
Get the app