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Personal Finance Considerations and Strategies

This column is updated every business day or thereabouts, so check back often for more Personal Finance Considerations and Strategies.

New Year's Investment Review

The market seems to be recovering, although it is hardly a sure, sound recovery at this point.

While most advisors agree that we're on the way back, timing and direction are not certain.

At New Year's, you should always review your portfolio.

  • Are you allocated among asset classes properly?

  • Do you have securities that have lost so much value that they can't recover?
  • Give your investments a thorough checkup to determine if any changes should be made.

    As part of doing so, look at the possible tax savings that could result from selling any losers.

    Remember that these losses are limited to the amount of gains you've had for the year plus $3,000.

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    Do you have some Personal Finance advice to share or have a question?

    You can Write to Us!.

    Include your first initial and last name.

    I'll try to use your contribution in a future column.

    (Please note that these columns are written several weeks in advance so publishing it will be delayed accordingly.)

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