Your Financial To-Do List for 2026
Morningstar••business
Key Points:
- In 2025, international stocks and bonds performed well, aided by the Federal Reserve’s late-year interest rate cuts, resulting in positive year-end investment statements for many investors.
- January is a key month to review financial goals, savings rates, and retirement contributions, with new higher limits for 401(k)s and IRAs taking effect in 2025 and upcoming changes in 2026.
- February and March focus on investment reviews, tax preparation, and making IRA and Health Savings Account contributions before the April 15 deadlines to optimize tax benefits.
- Midyear months like June and July are ideal for creating or updating investment and retirement policy statements, auditing portfolio costs and taxes, and ensuring alignment with financial goals.
- Year-end tasks in November
