Kab aur kaise rebalance karein, aur wo aapko ulta kyun karwaata hai
Published by The Retail Trader · AUG 09, 2026 · Features
Aapne tay kiya tha ki 60% equity aur 40% debt rahega. Do saal ki tezi ke baad aapka equity 75% ho chuka hai — bina aapke kuch kiye. Ab aapka portfolio wo nahi hai jo aapne banaya tha. Rebalancing usko wapas lane ka naam hai.
Jo asset zyada chalta hai, uska hissa apne aap badhta jaata hai. Iska matlab hai ki bina koi faisla liye, aapka portfolio dheere-dheere zyada risky hota jaata hai — aur wo aksar cycle ke us hisse mein hota hai jahan risk sabse zyada hai.
Isliye rebalancing ek active faisla nahi hai. Wo ek maintenance hai — us plan par wapas aana jo aapne shaant dimaag se banaya tha.
Rebalancing ka matlab hai jo bahut chala hai use thoda bechna, aur jo peeche reh gaya hai use thoda kharidna. Ye har baar galat mehsoos hota hai.
Aur yahi uska poora faayda hai. Wo aapse wo karwaata hai jo aap apne aap kabhi nahi karte — ooncha bechna aur neecha kharidna, bina kisi prediction ke.
Do aam tarike hain, dono theek hain:
• Calendar ke hisaab se — saal mein ek ya do baar, ek fix tareekh par. Sabse simple aur sabse kam emotional.
• Threshold ke hisaab se — jab koi asset apne target se ek tay percentage se zyada bhatak jaaye. Ye zyada responsive hai par zyada dhyaan maangta hai.
• Dono ka mix — saal mein ek baar dekho, par beech mein bada bhatkav ho to tab bhi karo.
• Jo bhi chuno, likh lo. Rebalancing ka faayda uski regularity mein hai, uski chatur timing mein nahi.
Har rebalancing par charges lagte hain aur tax bhi ban sakta hai. Isliye bahut baar-baar rebalance karna ulta pad sakta hai.
Ek sasta tarika ye hai ki naya paisa hamesha us asset mein daalo jo apne target se peeche hai. Isse bina kuch beche allocation apne aap sudhar jaata hai — aur na charges lagte hain na tax.
Rebalancing return badhane ke liye nahi hai. Kabhi wo return badhata hai, kabhi ghatata hai. Uska pakka kaam ek hi hai: aapke portfolio ka risk waha rakhna jahan aapne use rakha tha — aur lambe safar mein wahi sabse zyada maayne rakhta hai.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.