Blog · July 2026 · ~7 min read

Year-end crypto portfolio checklist

Why year-end is different from quarterly review

Quarterly reviews catch drift. Year-end reviews close the books: complete exports, document decisions, reset security habits, and set next year’s bands before January narratives push you into impulsive trades. Block 60–90 minutes; split across two sessions if needed.

Records and tax prep

1. Download full-year Binance history — spot, Earn, P2P if used, conversions. Export guide.
2. Reconcile missing months — gaps now become audit pain later.
3. Note cost basis method — whatever you use, be consistent and document it.
4. India holders — review VDA schedules and TDS summaries separately. India VDA basics.
5. Flag large disposals — profit-taking, stable swaps, withdrawals to cold storage may all matter depending on jurisdiction.

Portfolio and allocation

• Compare Jan 1 vs Dec 31 weights — which assets drifted furthest from target bands?
• Run a written stress test on current weights — stress test guide.
• Review yield deployments (Earn, staking, any DeFi) — still aligned with liquidity needs?
• Archive your thesis notes: what worked, what you would not repeat.

Security audit (annual)

1. Rotate passwords and confirm 2FA on exchange and email.
2. Verify API keys are read-only and revoke unused keys.
3. Test cold wallet recovery if you have not in 12 months — seed recovery testing.
4. Re-read phishing patterns — scam protection guide.

Plan next year (avoid January FOMO)

Write three numbers before New Year: max crypto allocation %, per-asset bands, and monthly DCA cap. If January rallies, your plan already exists — you execute the plan, not the headline. Pair with bull market discipline if momentum returns.

What not to do in December

• Tax-loss harvest without understanding wash rules in your jurisdiction.
• Chase "year-end predictions" with unplanned alt buys.
• Skip exports because "I will do it in March."

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