As the year winds down, it's common for people to take a step back, look back at the year, and see what they can improve going forward. One area people tend to look at is their finances. Whether it's evaluating savings, adjusting a budget, or planning investments, the end of the year can be a good time to strategize and set goals.

While reflecting on their financial standing at the end of the year, it's not uncommon for people to wonder if they should hold off on investing until the new year and then resume with a "fresh slate" for the year. For most people, the answer is no, and there's one chart that shows why.

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Source Fool.com