How often should I rebalance?

Rebalancing calculator

What to buy or sell to get back to target.

Equity

Current value

₹

Target %

Debt

Current value

₹

Target %

Gold

Current value

₹

Target %

New money to add

₹

How to rebalance

New money only avoids selling, which avoids tax and exit loads

Portfolio after rebalancing

₹11,60,000

₹11.6 lakh

Equity: sell: ₹84,000
Debt: buy: ₹28,000
Gold: buy: ₹56,000

Rebalancing sells what has grown and buys what has lagged, the opposite of what feels natural. A common rule is to rebalance once a year, or when any asset drifts more than 5 percentage points from its target.

Equity: now 67.2%, target 60%: ₹6,96,000
Debt: now 27.6%, target 30%: ₹3,48,000
Gold: now 5.2%, target 10%: ₹1,16,000

Current vs target

CurrentTarget

What this calculates

Over time, good-performing assets grow beyond their target share. This calculator shows what to buy or sell, or where to direct new money, to return to your target mix.

How it's calculated

Target value = Total portfolio × target %

Trade = Target value − Current value

Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.

Questions about this tool

Once a year, or when an asset drifts more than about 5 percentage points. Using new money avoids selling and the tax that comes with it.