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Return-Path: <bounce+4fe8cb.39b08c6-ds=e24.com.au@mg-d1.substack.com> Delivered-To: ds@e24.com.au Received: from myaccount8.wpcpanel.com by myaccount8.wpcpanel.com with LMTP id GFiEHy8wj2kjaQAAycIfzw (envelope-from <bounce+4fe8cb.39b08c6-ds=e24.com.au@mg-d1.substack.com>) for <ds@e24.com.au>; Sat, 14 Feb 2026 01:07:43 +1100 Return-path: <bounce+4fe8cb.39b08c6-ds=e24.com.au@mg-d1.substack.com> Envelope-to: ds@e24.com.au Delivery-date: Sat, 14 Feb 2026 01:07:43 +1100 Received: from v525.v5375b7fa.use4.send.mailgun.net ([159.112.244.25]:57322) by myaccount8.wpcpanel.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.99.1) (envelope-from <bounce+4fe8cb.39b08c6-ds=e24.com.au@mg-d1.substack.com>) id 1vqtpc-0000000077B-0f4G for ds@e24.com.au; Sat, 14 Feb 2026 01:07:43 +1100 DKIM-Signature: a=rsa-sha256; v=1; c=relaxed/relaxed; d=mg-d1.substack.com; q=dns/txt; s=k1; t=1770991610; x=1770998810; h=List-Unsubscribe-Post: List-Unsubscribe: List-Post: List-Id: List-Archive: List-Owner: Reply-To: In-Reply-To: References: Sender: Sender: Date: Message-Id: To: To: From: From: Subject: Subject: Content-Type: Mime-Version; bh=+h/F8aHUnJrfg0dgpoXNWZ4XYlixC/72QcSSZ40kAw4=; b=FQKvbJNu1XVzjCM8bhoQP86cd+gbESx5ouDnpydEfslX0Bln5bTFs7RVvBBYdtCQOtv8LrXmV5ih2VPwKQTZmw6BpRdo6Y+NVaGdImBxMj/mz/2ERiGuIG1saXZRpkS8pGdr1bGQV4m5xmU1sqja5kkkOk+ZCRuQI6NHieXyLJY= X-Mailgun-Sid: WyJmZjI3MiIsImRzQGUyNC5jb20uYXUiLCIzOWIwOGM2Il0= Received: by 47b994923de0122b30af82f239f312f2537fa050237a75a9a6711eff5244bb22 with HTTP id 698f2ffa6194aee0b4152941; Fri, 13 Feb 2026 14:06:49 GMT X-Mailgun-Sending-Ip: 159.112.244.25 X-Mailgun-Batch-Id: 698f2ff960fd9fa8d11b7d02 Mime-Version: 1.0 Content-Type: multipart/alternative; boundary="7a01c0d7fc3a0d2b7b7c1016487ffaff18bc804dde80680ec0773be8ca9f" Subject: =?UTF-8?q?Should_you_rebalance_after_January's_move=3F_(The_answer_is_yes?= =?UTF-8?q?=E2=80=94here's_why)?= From: Get Dividends <getdividends@substack.com> To: ds@e24.com.au X-Mailgun-Tag: post X-Mailgun-Track-Clicks: false Message-Id: <20260213140242.3.381c2ffe6136fafb@mg-d1.substack.com> Date: Fri, 13 Feb 2026 14:02:42 +0000 Feedback-Id: post-186596191:cat-post:pub-6658155:substack Sender: Get Dividends <getdividends@substack.com> References: <post-186596191@substack.com> In-Reply-To: <post-186596191@substack.com> Reply-To: Get Dividends <reply+333ejj&6k42rq&&b51d935d06b06be9e1f40a0ec45ee99a3b1517af2cea88d059b90c1fe6740a0b@mg1.substack.com> List-Owner: <mailto:getdividends@substack.com> List-Url: <https://getdividends.net/> List-Archive: <https://getdividends.net/archive> List-Id: <getdividends.substack.com> List-Post: <https://getdividends.net/p/should-you-rebalance-after-januarys> List-Unsubscribe: <https://getdividends.net/action/disable_email/disable?token=eyJ1c2VyX2lkIjozOTY1Nzk1OTAsInBvc3RfaWQiOjE4NjU5NjE5MSwiaWF0IjoxNzcwOTkxNjA1LCJleHAiOjE4MDI1Mjc2MDUsImlzcyI6InB1Yi02NjU4MTU1Iiwic3ViIjoiZGlzYWJsZV9lbWFpbCJ9.-xP3PMMsNHaOX2UdavECJhUFHAu886gK3vxroEkU8es&all_sections=true> List-Unsubscribe-Post: List-Unsubscribe=One-Click X-Mailgun-Variables: {"category": "post", "email_generated_at": "1770991606222", "is_freemail": "true", "post_audience": "only_free", "post_id": "186596191", "post_type": "newsletter", "pub_community_enabled": "true", "publication_id": "6658155", "subdomain": "getdividends", "user_id": "396579590"} X-Spam-Status: No, score=3.1 X-Spam-Score: 31 X-Spam-Bar: +++ X-Ham-Report: Spam detection software, running on the system "myaccount8.wpcpanel.com", has NOT identified this incoming email as spam. The original message has been attached to this so you can view it or label similar future email. If you have any questions, see root\@localhost for details. Content preview: View this post on the web at https://getdividends.net/p/should-you-rebalance-after-januarys Hi, After a month like January, most investors ask: _Should I rebalance?_ The answer: Yes_but strategically._ Why Rebalance When markets drop unevenly, your portfolio_s allocation drifts. Ex [...] Content analysis details: (3.1 points, 4.0 required) pts rule name description ---- ---------------------- -------------------------------------------------- 0.8 BAYES_50 BODY: Bayes spam probability is 40 to 60% [score: 0.5000] -0.0 SPF_PASS SPF: sender matches SPF record 0.0 RCVD_IN_VALIDITY_RPBL_BLOCKED RBL: ADMINISTRATOR NOTICE: The query to Validity was blocked. See https://knowledge.validity.com/hc/en-us/articles/20961730681243 for more information. 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[159.112.244.25 listed in sa-trusted.bondedsender.org] 0.0 HTML_MESSAGE BODY: HTML included in message 0.5 KAM_REALLYHUGEIMGSRC RAW: Spam with image tags with ridiculously huge http urls -0.1 DKIM_VALID Message has at least one valid DKIM or DK signature 0.1 DKIM_SIGNED Message has a DKIM or DK signature, not necessarily valid 0.9 RAZOR2_CHECK Listed in Razor2 (http://razor.sf.net/) 1.9 RAZOR2_CF_RANGE_51_100 Razor2 gives confidence level above 50% [cf: 100] 0.0 T_KAM_HTML_FONT_INVALID Test for Invalidly Named or Formatted Colors in HTML -1.0 MAILING_LIST_MULTI Multiple indicators imply a widely-seen list manager X-Spam-Flag: NO --7a01c0d7fc3a0d2b7b7c1016487ffaff18bc804dde80680ec0773be8ca9f Content-Type: text/plain; charset="utf-8" Content-Transfer-Encoding: quoted-printable View this post on the web at https://getdividends.net/p/should-you-rebalanc= e-after-januarys Hi, After a month like January, most investors ask: =E2=80=9CShould I rebalance= ?=E2=80=9D The answer: Yes=E2=80=94but strategically.=E2=80=8B Why Rebalance When markets drop unevenly, your portfolio=E2=80=99s allocation drifts. Example: Target: 40% high-yield, 30% dividend growth, 30% covered calls After January: 42% high-yield (grew less), 28% dividend growth (dropped mor= e), 30% covered calls This seems small, but compounds. You=E2=80=99re now more exposed to income = risk and less exposed to growth. How to Rebalance Right Step 1: Identify what drifted Which holdings underperformed? Which outperformed? Step 2: Trim the winners Covered call ETFs held up well? Trim 5%. Reinvest into weakness (BDCs, dividend growers that dropped). Step 3: Use the repricing Buy the things that dropped 10-15% (if fundamentals are intact) Sell things that barely moved (look for better opportunities) Inside Premium, this is automated:=E2=80=8B The Database flags: =E2=9C=85 Which positions drifted from target allocation =E2=9C=85 Which sectors are now over/underweight =E2=9C=85 Which repriced opportunities are worth buying =E2=9C=85 Which overvalued positions should be trimmed=E2=80=8B The portfolios include: =E2=9C=85 =E2=80=9CCurrent allocation=E2=80=9D (what we own and in what wei= ghts) =E2=9C=85 =E2=80=9CRebalance recommendation=E2=80=9D (what to adjust after = moves like January) =E2=9C=85 =E2=80=9COpportunity list=E2=80=9D (what to buy with rebalancing = proceeds) The Real Benefit Rebalancing isn=E2=80=99t just about =E2=80=9Cmath.=E2=80=9D It=E2=80=99s a= bout staying disciplined when emotions run high. By having a system, you execute the plan instead of panicking. February is the perfect time to rebalance after January=E2=80=99s repricing= =2E Kestutis Unsubscribe https://substack.com/redirect/2/eyJlIjoiaHR0cHM6Ly9nZXRkaXZpZGV= uZHMubmV0L2FjdGlvbi9kaXNhYmxlX2VtYWlsP3Rva2VuPWV5SjFjMlZ5WDJsa0lqb3pPVFkxTn= prMU9UQXNJbkJ2YzNSZmFXUWlPakU0TmpVNU5qRTVNU3dpYVdGMElqb3hOemN3T1RreE5qQTFMQ= 0psZUhBaU9qRTRNREkxTWpjMk1EVXNJbWx6Y3lJNkluQjFZaTAyTmpVNE1UVTFJaXdpYzNWaUlq= b2laR2x6WVdKc1pWOWxiV0ZwYkNKOS4teFAzUE1Nc05IYU9YMlVkYXZFQ0poVUZIQXU4ODZnSzN= 2eHJvRWtVOGVzIiwicCI6MTg2NTk2MTkxLCJzIjo2NjU4MTU1LCJmIjp0cnVlLCJ1IjozOTY1Nz= k1OTAsImlhdCI6MTc3MDk5MTYwNSwiZXhwIjoyMDg2NTY3NjA1LCJpc3MiOiJwdWItMCIsInN1Y= iI6ImxpbmstcmVkaXJlY3QifQ.WYqVueiYpltl5k4k2Lf4CVKM-P7TE_iv_Vpoak5Met0? --7a01c0d7fc3a0d2b7b7c1016487ffaff18bc804dde80680ec0773be8ca9f Content-Type: text/html; charset="utf-8" Content-Transfer-Encoding: quoted-printable <html style=3D"scrollbar-width: thin;scrollbar-color: rgb(219,219,219)rgb(2= 55,255,255);"><head><meta charset=3D"utf-8"><title>Should you rebalance aft= er January's move? 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{ body .markup div.sponsorship-campaign-embed { margin-top: 24px; margin-bottom: 24px; } body .markup div.sponsorship-campaign-embed:first-child { margin-top: 0px; } } @media screen and (max-width: 650px) { body .markup div.youtube-overlay, body .markup div.vimeo-overlay { display: none !important; } } @media screen and (max-width: 370px) { body .markup div.tiktok-wrap { width: calc(95vw - 32px); height: calc((95vw - 32px - 2px) / 0.485714); } } @media screen and (max-width: 650px) { body .markup div.embedded-publication-wrap .embedded-publication.show-sub= scribe { padding: 24px; } } @media screen and (max-width: 650px) { body .markup div.subscription-widget-wrap .subscription-widget.show-subsc= ribe, body .markup div.subscription-widget-wrap-editor .subscription-widget.sho= w-subscribe, body .markup div.captioned-button-wrap .subscription-widget.show-subscrib= e { padding: 0px 24px; } } @media screen and (max-width: 650px) { body .markup div.subscription-widget-wrap 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650px) { body .markup .twitter-embed a.expanded-link .expanded-link-img, body .markup .tweet a.expanded-link .expanded-link-img { max-height: 180px; } } @media (max-width: 650px) { body .markup .twitter-embed a.expanded-link .expanded-link-description, body .markup .tweet a.expanded-link .expanded-link-description { display: none; } } @media screen and (max-width: 650px) { body .markup .apple-podcast-container { width: unset; } } @media (max-width: 420px) { body .markup .install-substack-app-embed img.install-substack-app-embed-i= mg { margin: 0 auto 16px auto; } } @media (max-width: 420px) { body .markup .install-substack-app-embed .install-substack-app-embed-text= { margin: 0 0 12px 0; max-width: 100%; width: auto; text-align: center; } } @media (max-width: 420px) { body .markup .install-substack-app-embed .install-substack-app-embed-link= { display: flex; justify-content: center; } } @media screen and (min-width: 500px) { body .header a.logo { width: 42px; height: 42px; 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.container { padding: 24px 0; } } @media (max-width: 650px) { .reader2-text-b3 { line-height: 24px; } } @media screen and (max-width: 650px) { .reader2-text-h4 { line-height: 24px; } } @media screen and (min-width: 541px) { .user-profile-modal { padding-left: 12px; padding-right: 12px; } } @media screen and (max-width: 650px) { .subscribe-widget form.form .sideBySideWrap button.rightButton { padding: 10px 12px; } } @media screen and (min-width: 541px) { .pub-icon:hover .logo-hover, .feed-item-icon:hover .logo-hover { display: block; } } @media screen and (max-width: 650px) { .post-ufi.single-full-width-button .post-ufi-button-wrapper { width: 100%; padding: 16px; } .post-ufi.single-full-width-button .post-ufi-button-wrapper:empty { display: none; } .post-ufi.single-full-width-button .post-ufi-button { width: 100%; justify-content: center; } } @media screen and (max-width: 768px) { .file-embed-wrapper { padding: 0; } } @media screen and (max-width: 768px) { .file-embed-wrapper-editor { padding: 0; } } @media screen and (max-width: 768px) { .file-embed-wrapper-editor:active { padding: 0; } } @media only screen and (max-width: 650px) { .file-embed-button.wide, .file-embed-error-button.wide { display: none; } } @media only screen and (min-width: 630px) { .file-embed-button.narrow, .file-embed-error-button.narrow { display: none; } } @media screen and (min-width: 541px) { .audio-player-wrapper .audio-player { min-width: 500px; } } @media screen and (max-width: 650px) { .audio-player-wrapper .audio-player .audio-player-progress { border-left-width: 16px; border-right-width: 16px; } } @media screen and (max-width: 650px) { .audio-player-wrapper .audio-player .audio-player-progress .audio-player-= progress-bar .audio-player-progress-bar-popup { top: -54px; } } @media screen and (max-width: 650px) { .audio-player-wrapper-fancy .audio-player .audio-player-progress { border-left-width: 16px; border-right-width: 16px; } } @media screen and (max-width: 650px) { .audio-player-wrapper-fancy .audio-player .audio-player-progress .audio-p= layer-progress-bar .audio-player-progress-bar-popup { top: -54px; } } @media (min-width: 250px) { .audio-player-wrapper-fancy .audio-player { padding: 32px; } .audio-player-wrapper-fancy .audio-player .btn-group { display: flex; } .audio-player-wrapper-fancy .audio-player .btn-group .button:last-of-type= { display: block; } } @media (min-width: 300px) { .audio-player-wrapper-fancy .audio-player .btn-group { display: block; } .audio-player-wrapper-fancy .audio-player .btn-group .button:first-of-typ= e { display: block; } } @media (min-width: 350px) { .audio-player-wrapper-fancy .audio-player .audio-player-substack-logo { display: block; } .audio-player-wrapper-fancy .audio-player .audio-player-title { margin-top: 16px; } .audio-player-wrapper-fancy .audio-player .audio-player-hero-image-contai= ner { padding-top: 15%; width: 15%; display: block; } .audio-player-wrapper-fancy .audio-player .btn-group .button:first-of-typ= e { display: block; } .audio-player-wrapper-fancy .audio-player .audio-player-substack-logo { display: block; } } @media (min-width: 350px) { .audio-player-wrapper-fancy .audio-player .audio-player-hero-image-contai= ner { padding-top: 25%; width: 25%; display: block; } .audio-player-wrapper-fancy .audio-player .btn-group { display: flex; } .audio-player-wrapper-fancy .audio-player .btn-group .button:first-of-typ= e { display: block; } } @media (min-width: 400px) { .audio-player-wrapper-fancy .audio-player .audio-player-hero-image-contai= ner { padding-top: 40%; width: 40%; } } @media (max-width: 400px) { .audio-player-wrapper-fancy .audio-player .btn-group { margin-top: 12px; } .audio-player-wrapper-fancy .audio-player .btn-group .button { font-size: 13px; padding: 6px 12px; height: auto; margin-top: 10px; } } @media (min-width: 600px) { .audio-player-wrapper-fancy .audio-player .audio-player-hero-image-contai= ner { padding-top: 55%; width: 55%; } } @media (max-width: 650px) { .poll-editor-modal { min-width: calc(100% - 20px); } } @media (max-width: 750px) { .poll-embed .poll-anchor-target .poll-anchor-copy-button { left: 8px; top: 45px; } }</style></head><body class=3D"email-body" style=3D"font-kerning: auto;--im= age-offset-margin: -120px;"><img src=3D"https://eotrx.substackcdn.com/open?= token=3DeyJtIjoiPDIwMjYwMjEzMTQwMjQyLjMuMzgxYzJmZmU2MTM2ZmFmYkBtZy1kMS5zdWJ= zdGFjay5jb20-IiwidSI6Mzk2NTc5NTkwLCJyIjoiZHNAZTI0LmNvbS5hdSIsImQiOiJtZy1kMS= 5zdWJzdGFjay5jb20iLCJwIjoxODY1OTYxOTEsInQiOiJuZXdzbGV0dGVyIiwiYSI6Im9ubHlfZ= nJlZSIsInMiOjY2NTgxNTUsImMiOiJwb3N0IiwiZiI6dHJ1ZSwicG9zaXRpb24iOiJ0b3AiLCJp= YXQiOjE3NzA5OTE2MDYsImV4cCI6MTc3MzU4MzYwNiwiaXNzIjoicHViLTAiLCJzdWIiOiJlbyJ= 9.D57iaec66yEF2o29QZ1WvUqQmpKVO-J7qaC1jMcCTZ4" alt=3D"" width=3D"1" height= =3D"1" border=3D"0" style=3D"height:1px !important;width:1px !important;bor= der-width:0 !important;margin-top:0 !important;margin-bottom:0 !important;m= argin-right:0 !important;margin-left:0 !important;padding-top:0 !important;= padding-bottom:0 !important;padding-right:0 !important;padding-left:0 !impo= rtant;"/><div class=3D"preview" style=3D"display:none;font-size:1px;color:#= 333333;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidd= en;">And exactly how to do it</div><div class=3D"preview" style=3D"display:= none;font-size:1px;color:#333333;line-height:1px;max-height:0px;max-width:0= px;opacity:0;overflow:hidden;">͏   ­͏ &#= 8199; ­͏   ­͏   ­͏ =   ­͏   ­͏   = 3;͏   ­͏   ­͏ = 199; ­͏   ­͏   ­͏ &= nbsp;   ­͏   ­͏   ­= ;͏   ­͏   ­͏ Q= 99; ­͏   ­͏   ­͏ &n= bsp;   ­͏   ­͏   ­= ͏   ­͏   ­͏ ̳= 9; ­͏   ­͏   ­͏ &nb= sp;   ­͏   ­͏   ­&= #847;   ­͏   ­͏  = ; ­͏   ­͏   ­͏ &nbs= p;   ­͏   ­͏   ­&#= 847;   ­͏   ­͏  = ­͏   ­͏   ­͏  = ;   ­͏   ­͏   ­= 47;   ­͏   ­͏   = ­͏   ­͏   ­͏ =   ­͏   ­͏   ­T= 7;   ­͏   ­͏   &= #173;͏   ­͏   ­͏ =   ­͏   ­͏   ­͏= ;   ­͏   ­͏   &#= 173;͏   ­͏   ­͏ &= #8199; ­͏   ­͏   ­͏=   ­͏   ­͏   = 73;͏   ­͏   ­͏ &#= 8199; ­͏   ­͏   ­͏ =   ­͏   ­͏   = 3;͏   ­͏   ­͏ = 199; ­͏   ­͏   ­͏ &= nbsp;   ­͏   ­͏   ­= ;͏   ­͏   ­͏ Q= 99; ­͏   ­͏   ­͏ &n= bsp;   ­͏   ­͏   ­= ͏   ­͏   ­͏ ̳= 9; ­͏   ­͏   ­͏ &nb= sp;   ­͏   ­͏   ­&= #847;   ­͏   ­͏  = ; ­͏   ­͏   ­͏ &nbs= p;   ­͏   ­͏   ­&#= 847;   ­͏   ­͏  = ­͏   ­͏   ­͏  = ;   ­͏   ­͏   ­= 47;   ­͏   ­͏   = ­͏   ­͏   ­͏ =   ­͏   ­͏   ­T= 7;   ­͏   ­͏   &= #173;͏   ­͏   ­͏ =   ­͏   ­͏   ­͏= ;   ­͏   ­͏   &#= 173;͏   ­͏   ­͏ &= #8199; ­͏   ­͏   ­͏=   ­͏   ­͏   = 73;͏   ­͏   ­͏ &#= 8199; ­͏   ­͏   ­͏ =   ­͏   ­͏   = 3;͏   ­͏   ­͏ = 199; ­͏   ­͏   ­͏ &= nbsp;   ­͏   ­͏   ­= ;͏   ­͏   ­͏ Q= 99; ­͏   ­͏   ­͏ &n= bsp;   ­͏   ­͏   ­= ͏   ­͏   ­͏ ̳= 9; ­͏   ­͏   ­͏ &nb= sp;   ­͏   ­͏   ­&= #847;   ­͏   ­͏  = ; ­͏   ­͏   ­͏ &nbs= p;   ­͏   ­͏   ­&#= 847;   ­͏   ­͏  = ­͏   ­͏   ­͏  = ;   ­͏   ­͏   ­= 47;   ­͏   ­͏   = ­</div><table class=3D"email-body-container" role=3D"presentation" wid= th=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><td= ></td><td class=3D"content" width=3D"550"></td><td></td></tr><tr><td></td><= td class=3D"content" width=3D"550" align=3D"left"><div style=3D"font-size: = 16px;line-height: 26px;max-width: 550px;width: 100%;margin: 0 auto;overflow= -wrap: break-word;"><table role=3D"presentation" width=3D"100%" border=3D"0= " cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><td align=3D"right" style= =3D"height:20px;"><table role=3D"presentation" width=3D"auto" border=3D"0" = cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><td style=3D"vertical-align:= middle;"><span class=3D"pencraft pc-reset reset-IxiVJZ tw-font-body tw-text= -ssm tw-text-substack-secondary" style=3D"font-family: SF Pro Text, -apple-= system, system-ui, BlinkMacSystemFont, Inter, Segoe UI, Roboto, Helvetica, = Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-= size: 13px;color: unset;list-style: none;text-decoration: unset;margin: 0;"= ><div class=3D"pencraft pc-reset align-right-VJbKw5 size-12-mmZ61m reset-Ix= iVJZ" style=3D"list-style: none;color: unset;text-align: right;font-size: 1= 2px;line-height: 16px;text-decoration: unset;margin: 0;"><span class=3D"pen= craft pc-reset reset-IxiVJZ" translated=3D"" style=3D"list-style: none;colo= r: unset;text-decoration: unset;margin: 0;">Forwarded this email? <a class= =3D"pencraft pc-reset decoration-underline-ClTkYc reset-IxiVJZ" href=3D"htt= ps://substack.com/redirect/2/eyJlIjoiaHR0cHM6Ly9nZXRkaXZpZGVuZHMubmV0L3N1Yn= NjcmliZT91dG1fc291cmNlPWVtYWlsJnV0bV9jYW1wYWlnbj1lbWFpbC1zdWJzY3JpYmUmcj02a= zQycnEmbmV4dD1odHRwcyUzQSUyRiUyRmdldGRpdmlkZW5kcy5uZXQlMkZwJTJGc2hvdWxkLXlv= dS1yZWJhbGFuY2UtYWZ0ZXItamFudWFyeXMiLCJwIjoxODY1OTYxOTEsInMiOjY2NTgxNTUsImY= iOnRydWUsInUiOjM5NjU3OTU5MCwiaWF0IjoxNzcwOTkxNjA1LCJleHAiOjIwODY1Njc2MDUsIm= lzcyI6InB1Yi0wIiwic3ViIjoibGluay1yZWRpcmVjdCJ9.GkzbfmLWtht8t5XIOG3BPcJNTQhN= uhkjeVOzL4LPNb8?" style=3D"list-style: none;color: unset;text-decoration: u= nset;margin: 0;-webkit-text-decoration-line: underline;text-decoration-line= : underline;">Subscribe here</a> for more</span></div></span></td></tr></tb= ody></table></td></tr></tbody></table><table class=3D"header graphic-header= " role=3D"presentation" style=3D"border-spacing: 0;padding: 16px 0 32px;"><= tbody><tr><td align=3D"center" style=3D"text-align: center;padding: 0;"><a = href=3D"https://substack.com/redirect/2/eyJlIjoiaHR0cHM6Ly9nZXRkaXZpZGVuZHM= ubmV0L3Avc2hvdWxkLXlvdS1yZWJhbGFuY2UtYWZ0ZXItamFudWFyeXM_dXRtX2NhbXBhaWduPW= VtYWlsLWhhbGYtcG9zdCZyPTZrNDJycSZ0b2tlbj1leUoxYzJWeVgybGtJam96T1RZMU56azFPV= EFzSW5CdmMzUmZhV1FpT2pFNE5qVTVOakU1TVN3aWFXRjBJam94Tnpjd09Ua3hOakExTENKbGVI= QWlPakUzTnpNMU9ETTJNRFVzSW1semN5STZJbkIxWWkwMk5qVTRNVFUxSWl3aWMzVmlJam9pY0c= 5emRDMXlaV0ZqZEdsdmJpSjkuOWljemgxa0szVS0ycDB6Sy02WWZTSHRDSHRBRG15MWZ4VzhvWk= phV0RCQSIsInAiOjE4NjU5NjE5MSwicyI6NjY1ODE1NSwiZiI6dHJ1ZSwidSI6Mzk2NTc5NTkwL= CJpYXQiOjE3NzA5OTE2MDUsImV4cCI6MjA4NjU2NzYwNSwiaXNzIjoicHViLTAiLCJzdWIiOiJs= aW5rLXJlZGlyZWN0In0.aP9JKkMBLLBB4DXzPHCljx-u4mNq4cExmEnq9F61-vc?"><img clas= s=3D"header-image" role=3D"presentation" width=3D"550" height=3D"110" src= =3D"https://substackcdn.com/image/fetch/$s_!ncyQ!,w_1100,c_limit,f_auto,q_a= uto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaw= s.com%2Fpublic%2Fimages%2Ff4cc339e-7527-4d0b-97e1-5dc3d63a13d0_1100x220.png= " style=3D"border: none !important;vertical-align: middle;max-width: 550px;= display: block;margin: 0 auto;height: auto;width: 100%;"></a></td></tr></tb= ody></table><div class=3D"post typography" dir=3D"auto" style=3D"--image-of= fset-margin: -120px;padding: 32px 0 0 0;font-size: 16px;line-height: 26px;"= ><div class=3D"post-header" role=3D"region" aria-label=3D"Post header" styl= e=3D"font-size: 16px;line-height: 26px;"><h1 class=3D"post-title published = title-X77sOw" dir=3D"auto" style=3D"direction: auto;text-align: start;unico= de-bidi: isolate;color: rgb(54,55,55);font-family: 'SF Pro Display',-apple-= system-headline,system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',Robot= o,Helvetica,Arial,sans-serif,'Apple Color Emoji','Segoe UI Emoji','Segoe UI= Symbol';font-weight: bold;-webkit-font-smoothing: antialiased;-moz-osx-fon= t-smoothing: antialiased;-webkit-appearance: optimizelegibility;-moz-appear= ance: optimizelegibility;appearance: optimizelegibility;margin: 0;line-heig= ht: 36px;font-size: 32px;"><a href=3D"https://substack.com/app-link/post?pu= blication_id=3D6658155&post_id=3D186596191&utm_source=3Dpost-email-title&ut= m_campaign=3Demail-post-title&isFreemail=3Dtrue&r=3D6k42rq&token=3DeyJ1c2Vy= X2lkIjozOTY1Nzk1OTAsInBvc3RfaWQiOjE4NjU5NjE5MSwiaWF0IjoxNzcwOTkxNjA1LCJleHA= iOjE3NzM1ODM2MDUsImlzcyI6InB1Yi02NjU4MTU1Iiwic3ViIjoicG9zdC1yZWFjdGlvbiJ9.9= iczh1kK3U-2p0zK-6YfSHtCHtADmy1fxW8oZJaWDBA" style=3D"color: rgb(54,55,55);t= ext-decoration: none;">Should you rebalance after January's move? (The answ= er is yes—here's why)</a></h1><h3 class=3D"subtitle subtitle-HEEcLo" = dir=3D"auto" style=3D"direction: auto;text-align: start;unicode-bidi: isola= te;font-family: 'SF Pro Display',-apple-system-headline,system-ui,-apple-sy= stem,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif,'Apple= Color Emoji','Segoe UI Emoji','Segoe UI Symbol';font-weight: normal;-webki= t-font-smoothing: antialiased;-moz-osx-font-smoothing: antialiased;-webkit-= appearance: optimizelegibility;-moz-appearance: optimizelegibility;appearan= ce: optimizelegibility;margin: 4px 0 0;color: #777777;line-height: 24px;fon= t-size: 18px;margin-top: 12px;">And exactly how to do it</h3><table class= =3D"post-meta" role=3D"presentation" width=3D"100%" border=3D"0" cellspacin= g=3D"0" cellpadding=3D"0" style=3D"margin: 1em 0;height: 20px;align-items: = center;"><tbody><tr><td><table role=3D"presentation" width=3D"auto" border= =3D"0" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><td><table role=3D"pr= esentation" width=3D"auto" border=3D"0" cellspacing=3D"0" cellpadding=3D"0"= ><tbody><tr><td style=3D"vertical-align:middle;"><div class=3D"pencraft pc-= reset color-primary-zABazT line-height-20-t4M0El font-meta-MWBumP size-11-N= uY2Zx weight-medium-fw81nC transform-uppercase-yKDgcq reset-IxiVJZ meta-Egz= BVA custom-css-email-post-author" style=3D"list-style: none;font-size: 11px= ;line-height: 20px;text-decoration: unset;color: rgb(54,55,55);margin: 0;fo= nt-family: 'SF Compact',-apple-system,system-ui,-apple-system,BlinkMacSyste= mFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif,'Apple Color Emoji','Seg= oe UI Emoji','Segoe UI Symbol';font-weight: 500;text-transform: uppercase;l= etter-spacing: .2px;"><a class=3D"pencraft pc-reset color-primary-zABazT li= ne-height-20-t4M0El font-meta-MWBumP size-11-NuY2Zx weight-medium-fw81nC tr= ansform-uppercase-yKDgcq reset-IxiVJZ meta-EgzBVA" style=3D"list-style: non= e;color: rgb(54,55,55);margin: 0;font-size: 11px;line-height: 20px;font-fam= ily: 'SF Compact',-apple-system,system-ui,-apple-system,BlinkMacSystemFont,= 'Segoe UI',Roboto,Helvetica,Arial,sans-serif,'Apple Color Emoji','Segoe UI = Emoji','Segoe UI Symbol';font-weight: 500;text-transform: uppercase;letter-= spacing: .2px;text-decoration: none" href=3D"https://substack.com/@getdivid= ends">Get Dividends</a></div></td></tr></tbody></table></td></tr><tr><td><t= able role=3D"presentation" width=3D"auto" border=3D"0" cellspacing=3D"0" ce= llpadding=3D"0"><tbody><tr><td style=3D"vertical-align:middle;"><div class= =3D"pencraft pc-reset color-secondary-ls1g8s line-height-20-t4M0El font-met= a-MWBumP size-11-NuY2Zx weight-medium-fw81nC transform-uppercase-yKDgcq res= et-IxiVJZ meta-EgzBVA" style=3D"list-style: none;font-size: 11px;line-heigh= t: 20px;text-decoration: unset;color: rgb(119,119,119);margin: 0;font-famil= y: 'SF Compact',-apple-system,system-ui,-apple-system,BlinkMacSystemFont,'S= egoe UI',Roboto,Helvetica,Arial,sans-serif,'Apple Color Emoji','Segoe UI Em= oji','Segoe UI Symbol';font-weight: 500;text-transform: uppercase;letter-sp= acing: .2px;"><time datetime=3D"2026-02-13T14:02:42.816Z">Feb 13</time></di= v></td></tr></tbody></table></td></tr></tbody></table></td><td align=3D"rig= ht"><table role=3D"presentation" width=3D"auto" border=3D"0" cellspacing=3D= "0" cellpadding=3D"0"><tbody><tr><td style=3D"vertical-align:middle;"><a hr= ef=3D"https://substack.com/@getdividends"><img class=3D"custom-css-email-av= atar avatar-QIQ5yR" src=3D"https://substackcdn.com/image/fetch/$s_!WD94!,f_= auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.= amazonaws.com%2Fpublic%2Fimages%2Fa5e87027-b003-4c6f-8a80-cd2e33250054_352x= 352.png" style=3D"box-sizing: border-box;max-width: 550px;border: none;vert= ical-align: middle;width: 40px;height: 40px;min-width: 40px;min-height: 40p= x;object-fit: cover;margin: 0px;display: inline;border-radius: 50%" width= =3D"40" height=3D"40"></a></td></tr></tbody></table></td></tr></tbody></tab= le><table class=3D"email-ufi-2-top" role=3D"presentation" width=3D"100%" bo= rder=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=3D"border-top: 1px sol= id rgb(0,0,0,.1);border-bottom: 1px solid rgb(0,0,0,.1);min-width: 100%;"><= tbody><tr height=3D"16"><td height=3D"16" style=3D"font-size:0px;line-heigh= t:0;"> </td></tr><tr><td><table role=3D"presentation" width=3D"100%" b= order=3D"0" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><td><table role= =3D"presentation" width=3D"auto" border=3D"0" cellspacing=3D"0" cellpadding= =3D"0"><tbody><tr><td style=3D"vertical-align:middle;"><table role=3D"prese= ntation" width=3D"38" border=3D"0" cellspacing=3D"0" cellpadding=3D"0"><tbo= dy><tr><td align=3D"center"><a class=3D"email-icon-button" href=3D"https://= substack.com/app-link/post?publication_id=3D6658155&post_id=3D186596191&utm= _source=3Dsubstack&isFreemail=3Dtrue&submitLike=3Dtrue&token=3DeyJ1c2VyX2lk= 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h%3D2" width=3D"18" height=3D"18" style=3D"border: none;vertical-align: mid= dle;max-width: 18px" alt=3D""></a></td></tr></tbody></table></td></tr></tbo= dy></table></td><td align=3D"right"><table role=3D"presentation" width=3D"a= uto" border=3D"0" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><td style= =3D"vertical-align:middle;"><table role=3D"presentation" width=3D"auto" bor= der=3D"0" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><td align=3D"cente= r"><a class=3D"email-button-outline" href=3D"https://open.substack.com/pub/= getdividends/p/should-you-rebalance-after-januarys?utm_source=3Demail&redir= ect=3Dapp-store&utm_campaign=3Demail-read-in-app" style=3D"font-family: sys= tem-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,s= ans-serif,'Apple Color Emoji','Segoe UI Emoji','Segoe UI Symbol';display: i= nline-block;font-weight: 500;border: 1px solid rgb(0,0,0,.1);border-radius:= 9999px;text-transform: uppercase;font-size: 12px;line-height: 12px;padding= : 9px 14px;text-decoration: none;color: rgb(119,119,119);"><div class=3D"em= ail-button-spacer" style=3D"font-size: 16px;line-height: 26px;display: inli= ne-block;vertical-align: middle;max-width: 0;min-height: 18px;"></div><span= class=3D"email-button-text" style=3D"vertical-align: middle;margin-right: = 4px">READ IN APP</span><img class=3D"icon text-icon" src=3D"https://substac= kcdn.com/image/fetch/$s_!ET-_!,w_36,c_scale,f_png,q_auto:good,fl_progressiv= e:steep/https%3A%2F%2Fsubstack.com%2Ficon%2FLucideArrowUpRight%3Fv%3D4%26he= ight%3D36%26fill%3Dnone%26stroke%3D%2523808080%26strokeWidth%3D2" width=3D"= 18" height=3D"18" style=3D"min-width: 18px;min-height: 18px;border: none;ve= rtical-align: middle;margin-right: 0;margin-left: 0;max-width: 18px" alt=3D= ""></a></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbod= y></table></td></tr><tr height=3D"16"><td height=3D"16" style=3D"font-size:= 0px;line-height:0;"> </td></tr></tbody></table></div></div><div class= =3D"post typography" dir=3D"auto" style=3D"--image-offset-margin: -120px;pa= dding: 32px 0 0 0;font-size: 16px;line-height: 26px;"><div class=3D"body ma= rkup" dir=3D"auto" style=3D"text-align: initial;font-size: 16px;line-height= : 26px;width: 100%;word-break: break-word;margin-bottom: 16px;"><p style=3D= "margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;font-size: 16px;= margin-top: 0;">Hi,</p><p style=3D"margin: 0 0 20px 0;color: rgb(54,55,55);= line-height: 26px;font-size: 16px;"><span>After a month like January, most = investors ask: </span><em>“Should I rebalance?”</em></p><p styl= e=3D"margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;font-size: 1= 6px;"><span>The answer: </span><strong>Yes—but strategically.</strong= ><span>​</span></p><div style=3D"font-size: 16px;line-height: 26px;">= <hr style=3D"margin: 32px 0;padding: 0;height: 1px;background: rgb(0,0,0,.1= );border: none;"></div><p style=3D"margin: 0 0 20px 0;color: rgb(54,55,55);= line-height: 26px;font-size: 16px;"><strong>Why Rebalance</strong></p><p st= yle=3D"margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;font-size:= 16px;">When markets drop unevenly, your portfolio’s allocation drift= s.</p><p style=3D"margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px= ;font-size: 16px;"><strong>Example:</strong></p><ul style=3D"margin-top: 0;= padding: 0;"><li style=3D"margin: 8px 0 0 32px;mso-special-format: bullet;"= ><p style=3D"color: rgb(54,55,55);line-height: 26px;margin-bottom: 0;box-si= zing: border-box;padding-left: 4px;font-size: 16px;margin: 0;">Target: 40% = high-yield, 30% dividend growth, 30% covered calls</p></li><li style=3D"mar= gin: 8px 0 0 32px;mso-special-format: bullet;"><p style=3D"color: rgb(54,55= ,55);line-height: 26px;margin-bottom: 0;box-sizing: border-box;padding-left= : 4px;font-size: 16px;margin: 0;">After January: 42% high-yield (grew less)= , 28% dividend growth (dropped more), 30% covered calls</p></li></ul><p sty= le=3D"margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;font-size: = 16px;">This seems small, but compounds. You’re now more exposed to in= come risk and less exposed to growth.</p><div style=3D"font-size: 16px;line= -height: 26px;"><hr style=3D"margin: 32px 0;padding: 0;height: 1px;backgrou= nd: rgb(0,0,0,.1);border: none;"></div><p style=3D"margin: 0 0 20px 0;color= : rgb(54,55,55);line-height: 26px;font-size: 16px;"><strong>How to Rebalanc= e Right</strong></p><p style=3D"margin: 0 0 20px 0;color: rgb(54,55,55);lin= e-height: 26px;font-size: 16px;"><strong>Step 1: Identify what drifted</str= ong></p><ul style=3D"margin-top: 0;padding: 0;"><li style=3D"margin: 8px 0 = 0 32px;mso-special-format: bullet;"><p style=3D"color: rgb(54,55,55);line-h= eight: 26px;margin-bottom: 0;box-sizing: border-box;padding-left: 4px;font-= size: 16px;margin: 0;">Which holdings underperformed?</p></li><li style=3D"= margin: 8px 0 0 32px;mso-special-format: bullet;"><p style=3D"color: rgb(54= ,55,55);line-height: 26px;margin-bottom: 0;box-sizing: border-box;padding-l= eft: 4px;font-size: 16px;margin: 0;">Which outperformed?</p></li></ul><p st= yle=3D"margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;font-size:= 16px;"><strong>Step 2: Trim the winners</strong></p><ul style=3D"margin-to= p: 0;padding: 0;"><li style=3D"margin: 8px 0 0 32px;mso-special-format: bul= let;"><p style=3D"color: rgb(54,55,55);line-height: 26px;margin-bottom: 0;b= ox-sizing: border-box;padding-left: 4px;font-size: 16px;margin: 0;">Covered= call ETFs held up well? Trim 5%.</p></li><li style=3D"margin: 8px 0 0 32px= ;mso-special-format: bullet;"><p style=3D"color: rgb(54,55,55);line-height:= 26px;margin-bottom: 0;box-sizing: border-box;padding-left: 4px;font-size: = 16px;margin: 0;">Reinvest into weakness (BDCs, dividend growers that droppe= d).</p></li></ul><p style=3D"margin: 0 0 20px 0;color: rgb(54,55,55);line-h= eight: 26px;font-size: 16px;"><strong>Step 3: Use the repricing</strong></p= ><ul style=3D"margin-top: 0;padding: 0;"><li style=3D"margin: 8px 0 0 32px;= mso-special-format: bullet;"><p style=3D"color: rgb(54,55,55);line-height: = 26px;margin-bottom: 0;box-sizing: border-box;padding-left: 4px;font-size: 1= 6px;margin: 0;">Buy the things that dropped 10-15% (if fundamentals are int= act)</p></li><li style=3D"margin: 8px 0 0 32px;mso-special-format: bullet;"= ><p style=3D"color: rgb(54,55,55);line-height: 26px;margin-bottom: 0;box-si= zing: border-box;padding-left: 4px;font-size: 16px;margin: 0;">Sell things = that barely moved (look for better opportunities)</p></li></ul><div style= =3D"font-size: 16px;line-height: 26px;"><hr style=3D"margin: 32px 0;padding= : 0;height: 1px;background: rgb(0,0,0,.1);border: none;"></div><p style=3D"= margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;font-size: 16px;"= ><strong>Inside Premium, this is automated:</strong><span>​</span></p= ><p style=3D"margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;font= -size: 16px;"><strong>The Database flags:</strong><br><span>✅ Which p= ositions drifted from target allocation</span><br><span>✅ Which secto= rs are now over/underweight</span><br><span>✅ Which repriced opportun= ities are worth buying</span><br><span>✅ Which overvalued positions s= hould be trimmed​</span></p><p style=3D"margin: 0 0 20px 0;color: rgb= (54,55,55);line-height: 26px;font-size: 16px;"><strong>The portfolios inclu= de:</strong><br><span>✅ “Current allocation” (what we own= and in what weights)</span><br><span>✅ “Rebalance recommendati= on” (what to adjust after moves like January)</span><br><span>✅= “Opportunity list” (what to buy with rebalancing proceeds)</sp= an></p><div style=3D"font-size: 16px;line-height: 26px;"><hr style=3D"margi= n: 32px 0;padding: 0;height: 1px;background: rgb(0,0,0,.1);border: none;"><= /div><p style=3D"margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;= font-size: 16px;"><strong>The Real Benefit</strong></p><p style=3D"margin: = 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;font-size: 16px;"><span>R= ebalancing isn’t just about “math.” It’s about </sp= an><strong>staying disciplined</strong><span> when emotions run high.</span= ></p><p style=3D"margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 26px;= font-size: 16px;">By having a system, you execute the plan instead of panic= king.</p><p style=3D"margin: 0 0 20px 0;color: rgb(54,55,55);line-height: 2= 6px;font-size: 16px;"><span>February is </span><em>the perfect time</em><sp= an> to rebalance after January’s repricing.</span></p><p 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