Portfolio Rebalancer — Calculadora Online Grátis
Rebalance a multi-asset portfolio to target allocations — see exact buy/sell amounts needed
Sobre Esta Calculadora
Portfolio rebalancing restores your asset allocation to target weights after market movements have caused drift. A portfolio originally set to 60% stocks / 40% bonds will be approximately 65%/35% after a strong equity year — meaning you're taking more risk than intended without rebalancing.
Example: starting $100,000 at 60/40. After equities return 20% and bonds return 5%, the portfolio is $72,000 stocks / $42,000 bonds = $114,000 total. The new weights are 63.2%/36.8% — a 3.2% equity overweight. To rebalance to 60/40, sell $3,428 of stocks and buy $3,428 of bonds.
Rebalancing frequency: research shows that annual or semi-annual rebalancing captures most of the benefit without excessive transaction costs. Threshold-based rebalancing (rebalance when any asset drifts more than 5% from target) is often more efficient than calendar-based for volatile markets.
Tax efficiency matters in taxable accounts: selling appreciated assets triggers capital gains. Using new contributions to buy underweighted assets — rather than selling overweighted ones — achieves the same rebalancing effect without taxable events. This approach works when contributions are large relative to the needed rebalance amount.
For retirement accounts, there are no tax consequences to rebalancing, so more frequent rebalancing to tighter tolerances is feasible. This calculator shows the exact dollar amounts to buy or sell for each asset class to restore your target allocation.
Dicas
- Rebalancing once or twice per year is sufficient for most long-term investors.
- Use new contributions to rebalance rather than selling — avoids capital gains taxes.