2025 Year-End Investment Portfolio Review

In this 2025 Year-End Investment Portfolio Review we cover the following topics:

1. Asset Allocation
a. Diversification / changes
b. Rebalancing
2. Simplification
3. Beneficiaries
4. Performance
5. Tax Loss or Gain Harvesting
6. Fees
a. Fund fees
b. Advisor fees
7. Evaluate Your Performance
a. Did you buy/sell anything
b. What worried you during the year

*Resources From Video*
Empower: https://go.robberger.com/empower/yt-yearend
Kubera: https://go.robberger.com/kubera/yt-yearend
Snowball Analytics: https://go.robberger.com/snowball-analytics/yt-yearend (30% off through 1/1/2026)
Spreadsheet: https://robberger.com/investment-tracking-spreadsheet/
Fidelity Article: https://www.fidelity.com/learning-center/smart-money/what-is-a-beneficiary
Vanguard Article: https://investor.vanguard.com/investor-resources-education/taxes/offset-gains-loss-harvesting
Capital Gains Tax Rate: https://www.nerdwallet.com/taxes/learn/capital-gains-tax-rates
Advice Only Network: https://adviceonlynetwork.com/

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*Financial tools I use:*

*I track all of my investments, performance, fees, and asset allocation with Empower. It's Free:*
https://go.robberger.com/empower/yt-

*I use Monarch Money to manage our budget:* https://go.robberger.com/monarch-yt/yt-desc

*My retirement plan comes from Boldin, the most robust retirement planner available at a reasonable cost:*
https://go.robberger.com/boldin/yt-

*I used Capitalize for my last 401(k) rollover. They did all of the work, and it's Free:*
https://go.robberger.com/capitalize/yt-

*My Book (Retire Before Mom and Dad):*
https://amzn.to/4d9qbhA

#retirement #investing #robberger
0:00 Intro
0:42 Asset Allocation
5:21 Simplification
6:57 Beneficiaries
7:41 Performance
9:48 Tax Loss/Gain Harvesting
13:36 Fees
15:35 Evaluate Your Performance

ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. I've since sold my websites, bought them back, and started a new website and this YouTube channel.

I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

*Disclosure*: Some of the links in this description are from partners who compensate us. This means — at no extra cost to you — I may earn money if you click and sign up for a product or open an account. This creates a financial relationship that may influence my recommendations, but I only recommend products and services I believe in and would recommend to my own mom. Advertisers have no control over my content. Read the full advertiser disclosure here: https://robberger.com/how-we-make-money/