मुफ्त पोर्टफोलियो रीबैलेंस कैलकुलेटर
पोर्टफोलियो रीबैलेंसिंग की योजना बनाएं। लक्ष्य आवंटन से खरीद-बिक्री की राशि निकालें।
Stocks: Buy/Sell
-$10,000
Stocks: Buy/Sell vs Total Portfolio Value
सूत्र
Portfolio Rebalancing
Rebalancing restores your portfolio to its target allocation after market movements cause drift.
Why Rebalance?
How to Rebalance
Trade Amount = Portfolio Value x (Target% - Current%) / 100
Positive values mean buy; negative values mean sell.
When to Rebalance
हल किया गया उदाहरण
$100,000 portfolio: 70% stocks, 25% bonds, 5% cash. Target: 60/30/10.
- 01Stocks: sell $100,000 x (60% - 70%) = -$10,000
- 02Bonds: buy $100,000 x (30% - 25%) = +$5,000
- 03Cash: add $100,000 x (10% - 5%) = +$5,000
- 04Total volume = $10,000 + $5,000 + $5,000 = $20,000
अक्सर पूछे जाने वाले प्रश्न
How often should I rebalance?
Most research suggests annual or semi-annual rebalancing. More frequent rebalancing generates unnecessary transaction costs and taxes without meaningful benefit. A 5% drift threshold works well.
Can I rebalance with new contributions?
Yes, this is the most tax-efficient approach. Direct new contributions to underweight asset classes until allocation is restored. This avoids selling (and potential capital gains) entirely.
Does rebalancing hurt returns?
Over long bull markets, rebalancing may reduce returns by selling winning assets. However, it significantly reduces volatility and maximum drawdown. The risk-adjusted returns from a rebalanced portfolio are typically superior.
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