{"id":200231,"date":"2023-12-15T11:15:00","date_gmt":"2023-12-15T16:15:00","guid":{"rendered":"https:\/\/ibkrcampus.com\/?p=200231"},"modified":"2023-12-15T12:40:05","modified_gmt":"2023-12-15T17:40:05","slug":"year-end-financial-checklist","status":"publish","type":"post","link":"https:\/\/www.interactivebrokers.com\/campus\/traders-insight\/securities\/retirement\/year-end-financial-checklist\/","title":{"rendered":"Year-end Financial Checklist"},"content":{"rendered":"\n<p><strong>401k contributions, taxes and your retirement goals<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-takeaways\">KEY TAKEAWAYS<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The end of the year is an opportune time to review your portfolio and add to investments in tax-advantaged accounts.<\/li>\n\n\n\n<li>Understand the different deadlines and contribution limits for 401(k) plans, IRAs and Health Savings Accounts (HSAs).<\/li>\n\n\n\n<li>You can\u2019t control the market, but you can control how you manage the risk you take in your portfolios.<\/li>\n<\/ul>\n\n\n\n<p>The holidays are a time many of us spend traveling, cooking, shopping, giving, and gathering with friends and family. The end of the year is also a time to take stock of how you\u2019re tracking to meet your financial goals.<\/p>\n\n\n\n<p>To help get you started, here is a year-end checklist of actions you can take \u2014 and concepts to consider \u2014 to help you pursue your financial goals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-reducing-the-tax-bite\">REDUCING THE TAX BITE<\/h2>\n\n\n\n<p>When it comes to investing, what really matters are after-tax returns, so it\u2019s critical to stay focused on minimizing your tax burden. For most, the best way to do that is to maximize investments in tax-advantaged accounts, like a 401(k) or Individual Retirement Account (IRA). (Read more about&nbsp;<a href=\"https:\/\/www.ishares.com\/us\/insights\/asset-location-taxes\">How asset location can help minimize taxes and maximize returns<\/a>.)<\/p>\n\n\n\n<p>Here are some important deadlines to remember:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Deadline to contribute to 401(K): Dec. 31, 2023<\/strong><\/li>\n\n\n\n<li><strong>Deadline to contribute to IRA and Health Savings Account (HSA):<\/strong>&nbsp;April 15, 2024 (Read more about contribution limits and&nbsp;<a href=\"https:\/\/www.ishares.com\/us\/insights\/retirement-planning-self-employed-guide\">planning for retirement if you\u2019re self-employed<\/a>.)<\/li>\n<\/ul>\n\n\n\n<p>Remember, it\u2019s not what you earn but what you keep that really matters. So any additional money you can put in your investment accounts or save on taxes will benefit from compounding and potentially help you reach your financial goals. (Read more about&nbsp;<a href=\"https:\/\/www.ishares.com\/us\/insights\/etfs-tax-efficient\">How are ETFs tax efficient?<\/a>).<\/p>\n\n\n\n<p>And don\u2019t forget other tax-advantaged vehicles such as flexible savings accounts and commuter benefits: Now is the time to \u201cuse it or lose it.\u201d<\/p>\n\n\n\n<p>Separately, consider&nbsp;<a href=\"https:\/\/www.ishares.com\/us\/education\/etfs-and-taxes\">tax loss harvesting<\/a>, which is the act of selling an investment below its purchase price to realize a loss in a taxable account. (Gains and losses are based on the investment\u2019s price return, not its total return.)<\/p>\n\n\n\n<p>Losses harvested before Dec. 31, 2023 can be used, dollar for dollar, to offset realized capital gains for 2023 taxes \u2014 and beyond. Investors can also offset up to $3,000 per year of regular income with realized losses.<sup>1<\/sup><\/p>\n\n\n\n<p>Be aware that the IRS precludes investors from recognizing losses and then quickly buying back their original investment. These \u201cwash sale\u201d restrictions mandate that an investor cannot realize a loss on the sale of an investment and then buy a \u201csubstantially identical\u201d security, beginning 30 days before and ending 30 days after a security sale.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-responding-to-market-moves\">RESPONDING TO MARKET MOVES<\/h2>\n\n\n\n<p>While you cannot control market sentiment or movement, you can&nbsp;<a href=\"https:\/\/www.ishares.com\/us\/insights\/what-is-asset-allocation\">manage the risk you take in your portfolios<\/a>.<\/p>\n\n\n\n<p>Here are three ideas to consider:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rebalancing:<\/strong>&nbsp;Whether annually or more frequently, it\u2019s prudent to periodically rebalance your portfolio to prevent one asset, or asset class, from getting out of line with your intended targets. Rebalancing helps you stay on track by aligning your portfolio with your risk tolerance.<\/li>\n\n\n\n<li><strong>Diversification:<\/strong>&nbsp;While the S&amp;P 500 is up 21% this year, only 59% of individual stocks in the index have risen in 2023.<sup>2<\/sup>&nbsp;Successfully picking individual stocks and timing the market \u2013 buying and selling at just the right time \u2013 are difficult for even the most experienced investor. Diversification helps investors navigate fast-changing markets and stay the course to pursue their financial goals.<\/li>\n\n\n\n<li><strong>Putting your Required Minimum Distribution (RMD to work):<\/strong>&nbsp;You are generally required to start taking withdrawals from your IRA, SIMPLE IRA, SEP IRA, or retirement account when you reach age 72. Given the high interest rate environment,&nbsp;<a href=\"https:\/\/www.ishares.com\/us\/insights\/short-term-bond-etfs-cash-alternative\">investors interested in putting idle cash to work have several options<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>This is the time of year when it is easy to let spending get the best of us, but don\u2019t lose sight of your long-term financial goals.&nbsp;<a href=\"https:\/\/www.ishares.com\/us\/insights\/retirement-savings-guide\">Retirement is one of the biggest financial obligations we will all face&nbsp;<\/a>and the best time to start preparing is now.<\/p>\n\n\n\n<p>&#8212;<\/p>\n\n\n\n<p>Originally Posted December 14, 2023 &#8211; <a href=\"https:\/\/www.ishares.com\/us\/insights\/retirement-checklist-year-end\">Year-end financial checklist<\/a><\/p>\n\n\n\n<p><sup>1<\/sup>&nbsp;Source: IRS.gov.<\/p>\n\n\n\n<p><sup>2<\/sup>&nbsp;Source: Bloomberg as of Nov. 30, 2023.<\/p>\n\n\n\n<p><strong>Carefully consider the Funds&#8217; investment objectives, risk factors, and charges and expenses before investing. This and other information can be found in the Funds&#8217; prospectuses or, if available, the summary prospectuses, which may be obtained by visiting the&nbsp;<a href=\"https:\/\/www.blackrock.com\/us\/individual\/resources\/regulatory-documents#etfs\" target=\"_blank\" rel=\"noreferrer noopener\">iShares Fund<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.blackrock.com\/us\/individual\/resources\/regulatory-documents#mutualfunds\" target=\"_blank\" rel=\"noreferrer noopener\">BlackRock Fund<\/a>&nbsp;prospectus pages. Read the prospectus carefully before investing.<\/strong><\/p>\n\n\n\n<p><strong>Investing involves risk, including possible loss of principal.<\/strong><\/p>\n\n\n\n<p>This material is provided for educational purposes only and is not intended to constitute investment advice or an investment recommendation within the meaning of federal, state or local law. You are solely responsible for evaluating and acting upon the education and information contained in this material. BlackRock will not be liable for direct or incidental loss resulting from applying any of the information obtained from these materials or from any other source mentioned. BlackRock does not render any legal, tax or accounting advice and the education and information contained in this material should not be construed as such. Please consult with a qualified professional for these types of advice.<\/p>\n\n\n\n<p>Diversification and asset allocation may not protect against market risk or loss of principal.<\/p>\n\n\n\n<p>The Internal Revenue Service has not released a definitive opinion regarding the definition of &#8220;substantially identical&#8221; securities and its application to the wash sale rule and ETFs. The information and examples provided are not intended to be a complete analysis of every material fact respecting tax strategy and are presented for educational and illustrative purposes only. Tax consequences will vary by individual taxpayer and individuals must carefully evaluate their tax position before engaging in any tax strategy.<\/p>\n\n\n\n<p>Prepared by BlackRock Investments, LLC, member FINRA.<\/p>\n\n\n\n<p><sup>\u00a9<\/sup>2023 BlackRock, Inc or its affiliates. All Rights Reserved.&nbsp;<strong>BLACKROCK, iSHARES, iBONDS, LIFEPATH, ALADDIN<\/strong>&nbsp;and the iShares Core Graphic are trademarks of BlackRock, Inc. or its affiliates. All other trademarks are those of their respective owners.<\/p>\n\n\n\n<p>iCRMH1223U\/S-3258991<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The end of the year is an opportune time to review your portfolio and add to investments in tax-advantaged 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