Calculadora de Rebalanceamento de Portfólio
Calcule os ajustes para rebalancear seu portfólio de investimentos.
Stocks: Buy/Sell
-$10,000
Stocks: Buy/Sell vs Total Portfolio Value
Formula
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
Exemplo Resolvido
$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
Perguntas Frequentes
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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