Portfolio Rebalancing Calculator
Calculate how much to move between equity and debt to restore your target asset allocation after market movement.
మీ ఫలితాన్ని లెక్కించండి
మీ సంఖ్యలు నమోదు చేయండి. మార్చినప్పుడు అంచనా, చార్ట్లు నవీకరించబడతాయి.
Rebalancing inputs
- Action
- Move from equity to debt
- Move amount
- ₹3,90,000
- Target equity
- ₹19,50,000
- Target debt
- ₹10,50,000
మీ లెక్కలు ఏమి చెబుతున్నాయి
Equity is 13 percentage points above your target.
Moving ₹3,90,000 to debt brings your risk back in line and books some equity gains; selling may trigger capital gains tax.
Or add ₹6,00,000 of new money to debt instead of selling.
Directing fresh savings to the underweight side rebalances without selling, so there's no capital gains tax or exit load.
A transfer within the existing portfolio; no new cash, taxes, exit loads or trading charges are modelled.
మీ లెక్కను అర్థం చేసుకోండి
Market gains and losses change your portfolio's mix over time. After a strong year for shares, a 65:35 equity-debt plan can quietly become 78:22. This calculator shows the rupee amount to move between equity and debt so the portfolio returns to your target split, along with what each bucket should hold afterwards.
Portfolio Rebalancing Calculator ఎందుకు ఉపయోగించాలి
Rebalancing keeps your risk where you planned it. Without it, a long rally can leave you far more exposed to equity than you meant to be, just before a fall, while a sharp fall can leave the portfolio too defensive to benefit from the recovery. Turning the drift into a rupee figure makes the decision concrete: you can see whether the move is worth the tax and exit-load cost, or small enough to fix with new money.
ఒక్క చూపులో ప్రయోజనాలు
Clear action amount
See the rupee amount to move and in which direction, not just the percentage drift.
Target equity and debt values
Know exactly what each bucket should hold once you've rebalanced.
Useful after market moves
Check after a big rally or fall whether the drift is large enough to justify action.
Portfolio Rebalancing Calculator ను ఎలా ఉపయోగించాలి
- 1
Enter portfolio value
Use the current market value of the investible portfolio, from your CAS or broker statement.
- 2
Enter current equity percent
Divide the current equity value by the total and enter it as a percentage.
- 3
Enter target equity percent
Use your planned strategic allocation, for example from the asset allocation calculator.
- 4
Move the suggested amount
Shift between equity and debt if the drift is meaningful, or redirect new SIPs to close the gap.
ఉదాహరణ
₹30 lakh drifted from 65% to 78% equity
The portfolio is worth ₹30,00,000 with 78% in equity, so equity is ₹23,40,000 and debt is ₹6,60,000. The target of 65% equity means ₹19,50,000 in equity and ₹10,50,000 in debt. The difference is ₹19,50,000 − ₹23,40,000 = −₹3,90,000, so the action is to move ₹3,90,000 from equity to debt.
- Portfolio value
- ₹30,00,000
- Current equity / debt
- ₹23,40,000 / ₹6,60,000 (78% / 22%)
- Target equity / debt
- ₹19,50,000 / ₹10,50,000 (65% / 35%)
- Amount to move
- ₹3,90,000
- Action
- Move from equity to debt
You don't have to sell all ₹3,90,000 at once. Pausing equity SIPs and sending new money to debt for a few months closes part of the gap without triggering capital-gains tax.
ఇది ఎలా లెక్కించబడుతుంది
The calculator works in rupees: current equity = corpus × current equity % and target equity = corpus × target equity %. Debt is whatever's left in each case, corpus − equity, so the two buckets always add up to the corpus.
The amount to move is target equity − current equity. If that's positive, money moves from debt to equity; if negative, from equity to debt; if zero, no rebalance is needed. The displayed amount is the absolute value.
Both percentages are kept between 0% and 100%. The move is a switch inside the portfolio, so the total stays the same; tax, exit loads and transaction costs aren't deducted.
అనుమానాలు మరియు పరిమితులు
- Only equity and debt buckets are modelled; both amounts always sum to corpus.
- Suggested move is a transfer within the portfolio, not an additional investment requirement.
- Taxes, exit loads and transaction costs are excluded.
- Rebalance thresholds should consider product costs and tax impact.
తరచుగా అడిగే ప్రశ్నలు
How often should I rebalance?
Many investors review once a year, or whenever the allocation drifts by 5 percentage points or more. Checking too often mostly adds cost and tax without much benefit.
Does rebalancing improve returns?
Its main job is controlling risk. The return impact depends on the market path, taxes and costs; in a long one-way rally, rebalancing can lower returns while still keeping risk in line.
Should I use new investments instead of selling?
Where you can, yes. Directing new SIPs, bonuses or maturity proceeds to the underweight bucket avoids capital-gains tax and exit loads.
What tax applies when I sell equity funds to rebalance?
Selling equity fund units is a capital-gains event. Units held over 12 months are taxed at 12.5 percent on long-term gains above ₹1,25,000 a year, and units held 12 months or less at 20 percent, plus 4 percent cess. Use the capital gains calculator to estimate it before you switch.
Should I rebalance inside EPF, PPF or NPS?
EPF and PPF can't really be rebalanced, so count them in your debt total and adjust around them using your other investments. NPS lets you change your scheme allocation, subject to its own rules; check them before you switch.
What if my target is out of date?
Fix the target first. As goals get closer or your situation changes, the right equity share can change. The asset allocation calculator compares your choice with a simple age-based benchmark.
చివరి మాట
Use the rebalancing calculator before shifting money between asset classes. It turns allocation drift into a precise rupee amount and direction. Check the tax and exit-load cost of selling, see how much new money can do the job instead, and then make the move in one go or over a few months.
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