What if I have mutual funds?

It can be hard to rebalance.

Because mutual funds can be composed of a mixture of asset classes, it’s not easy to move dollar amounts between asset classes.

It can be impossible to achieve your target allocation.

Mutual funds may hold investments in asset classes that are not part a of your target allocation. For example, mutual funds often have a money market component. As a result, you may never be able to achieve an allocation comprised of stocks and bonds only

This does not mean you cannot achieve an acceptable allocation with your current holdings.