I was catching up on some of my favorite blogs when I came across Money Ning’s article, Now is a Great Time to Conduct Annual Financial Maintenance when I got to thinking about my retirement funds.

I have a premium Morningstar membership which I generally activate from December to March to read the latest Analyst Reports on how my current funds are performing by Morningstar’s standards. 

I also take the opportunity to research other funds to determine how my funds compares to similar funds.  If I find out my fund is not up to par, then I have to make a decision whether to continue investing in my current fund or move on.

My biggest question at this time of the year is

If I choose to reallocate my investments to ensure I am on track with my goals, when should I reallocate, in December or in January?

I would be interested in hearing your thoughts.  If you would like to write a post about it on your website and feature it here, please let me know.  I will be very happy to link to your article here. 

It would make for a terrific discussion to share with my readers.