Portfolio-Rebalancing-Rechner — Formel

Portfolio Rebalancing

Rebalancing restores your portfolio to its target allocation after market movements cause drift.

Why Rebalance?

  • Maintains your intended risk level
  • Forces you to sell high and buy low
  • Prevents overconcentration in one asset class

    • How to Rebalance

    Trade Amount = Portfolio Value x (Target% - Current%) / 100

    Positive values mean buy; negative values mean sell.

    When to Rebalance

  • Calendar-based: quarterly, semi-annually, or annually
  • Threshold-based: when any allocation drifts 5%+ from target

    • Lösungsbeispiel

    $100,000 portfolio: 70% stocks, 25% bonds, 5% cash. Target: 60/30/10.

    1. Stocks: sell $100,000 x (60% - 70%) = -$10,000
    2. Bonds: buy $100,000 x (30% - 25%) = +$5,000
    3. Cash: add $100,000 x (10% - 5%) = +$5,000
    4. Total volume = $10,000 + $5,000 + $5,000 = $20,000