Portfolio Rebalancing Tool
Compare your current allocation against your target and see exactly what to buy or sell to get back on plan.
Your Portfolio
Asset Allocation
| Asset | Target % | Current % |
|---|---|---|
Rebalancing Plan
Actions
| Asset | Drift | Target ₹ | Current ₹ | Action | Amount |
|---|---|---|---|---|---|
| Large Cap Stocks | +5.0% | ₹4,00,000 | ₹4,50,000 | Hold | — |
| Debt Funds | -5.0% | ₹3,00,000 | ₹2,50,000 | Hold | — |
| Gold ETF | +2.0% | ₹1,00,000 | ₹1,20,000 | Hold | — |
| Liquid Funds | -2.0% | ₹2,00,000 | ₹1,80,000 | Hold | — |
How Rebalancing Works
Why Rebalance?
Winners grow into a larger share of the portfolio than you intended, quietly raising your risk. Rebalancing sells some of what has run and buys what has lagged, returning you to the risk level you chose.
Choosing a Threshold
A tighter threshold keeps you closer to target but triggers more trades, and more costs and tax. A 5–10% band is a common compromise for a long-term portfolio.
Costs and Tax
Selling can trigger capital gains tax and exit loads. Where possible, rebalance using fresh contributions — directing new money to the underweight asset — instead of selling.
How Often?
Most long-term investors review once or twice a year, or whenever an asset breaches its band. Rebalancing more often rarely improves returns after costs.
These figures are indicative projections based on the inputs you provide. They assume a constant rate of return, which real markets do not deliver. Nothing here is investment advice — consult a SEBI-registered adviser before making a decision.