{"id":10988,"date":"2025-11-28T04:08:25","date_gmt":"2025-11-28T04:08:25","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=10988"},"modified":"2026-04-15T04:56:03","modified_gmt":"2026-04-15T04:56:03","slug":"how-to-rebalance-your-portfolio-using-bonds","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/","title":{"rendered":"How to Rebalance Your Portfolio Using Bonds"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">You might have started the year 2026 with an allocation of about 70% in equities and 30% in bonds. But is it still the same? The answer could be a \u201cNO\u201d. Gradually, market fluctuations influence your portfolio mix and drift it from your intended or comfortable targets. This increases your overall portfolio risk and leaves you more exposed to equity volatility (possibly more than you\u2019re comfortable handling!).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, what\u2019s the solution? You need to do \u201c<\/span><span style=\"font-weight: 400;\">portfolio rebalancing<\/span><span style=\"font-weight: 400;\">\u201d, which means adjusting your asset classes in a way so they continue to match the level of risk and return you originally planned for.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read this article to understand what <\/span><span style=\"font-weight: 400;\">portfolio rebalancing <\/span><span style=\"font-weight: 400;\">means, why bonds are a popular choice for bringing your portfolio back to balance, and how you can rebalance following some simple steps.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#What_is_Portfolio_Rebalancing_Really\" >What is Portfolio Rebalancing, Really?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#Why_You_May_Use_Bonds_for_Portfolio_Rebalancing\" >Why You May Use Bonds for Portfolio Rebalancing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#How_to_Do_Portfolio_Rebalancing_Using_Bonds\" >How to Do Portfolio Rebalancing Using Bonds?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#Step_I_Set_Your_Target_Allocation\" >Step I: Set Your Target Allocation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#Step_II_Identify_Deviations\" >Step II: Identify Deviations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#Step_III_Buy_Sell_or_Redirect_Money_to_Rebalance_the_Mix\" >Step III: Buy, Sell, or Redirect Money to Rebalance the Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#Step_IV_Use_Different_Types_of_Bonds_for_Diversification\" >Step IV: Use Different Types of Bonds for Diversification<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#An_Example_of_Portfolio_Rebalancing\" >An Example of Portfolio Rebalancing<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#To_Conclude_Portfolio_Rebalancing_is_About_Sticking_To_Your_Original_Plan\" >To Conclude, Portfolio Rebalancing is About Sticking To Your Original Plan!<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#Portfolio_Rebalancing_FAQs\" >Portfolio Rebalancing FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#1_When_to_do_portfolio_rebalancing\" >1. When to do portfolio rebalancing?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#2_What_is_an_ideal_portfolio_target_allocation\" >2. What is an ideal portfolio target allocation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#3_Why_use_bonds_for_portfolio_rebalancing\" >3. Why use bonds for portfolio rebalancing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#4_Should_I_sell_equities_or_make_a_fresh_investment_to_rebalance_my_portfolio\" >4. Should I sell equities or make a fresh investment to rebalance my portfolio?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-to-rebalance-your-portfolio-using-bonds\/#Disclaimer\" >Disclaimer:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Portfolio_Rebalancing_Really\"><\/span><span style=\"font-weight: 400;\">What is <\/span><span style=\"font-weight: 400;\">Portfolio Rebalancing<\/span><span style=\"font-weight: 400;\">, Really?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u201cRebalancing\u201d means resetting your <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-can-one-diversify-their-portfolio-with-nbfc-bonds\/\">portfolio<\/a> back to the plan you started with. Usually, when you invest, you start by choosing a mix (let\u2019s say, 60% equity + 40% bonds). But most asset classes don\u2019t grow in sync! Sometimes, the market price of your shares might increase in value, while bonds fall or stay flat.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">The impact?<\/span><\/i><span style=\"font-weight: 400;\"> Your portfolio slowly drifts away from the mix you originally wanted (in the instant case, the 60\/40 split). This makes your portfolio riskier than you planned, because now a bigger chunk of your money is sitting in equities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Okay, so how can you fix this? You may perform <\/span><span style=\"font-weight: 400;\">portfolio rebalancing<\/span><span style=\"font-weight: 400;\"> as follows:\u00a0<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">What You Do<\/span><\/td>\n<td><span style=\"font-weight: 400;\">What It Means<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Why You May Do It<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Sell investments that have grown too much (say, equities after a rally)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">You reduce the portion of assets that have become bigger than your target allocation.<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lock in the profits you earned from the assets that went up<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduce the risk of losing notional profits (or book profits) if markets suddenly fall<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Move that money into safer assets (say, bonds)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">You invest the proceeds into assets that are currently below your target allocation.<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To bring your portfolio back to the risk level you\u2019re comfortable with<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Add stability through safer investments.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Why_You_May_Use_Bonds_for_Portfolio_Rebalancing\"><\/span><span style=\"font-weight: 400;\">Why You May Use Bonds for <\/span><span style=\"font-weight: 400;\">Portfolio Rebalancing<\/span><span style=\"font-weight: 400;\">?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Be aware that <\/span><span style=\"font-weight: 400;\">portfolio rebalancing<\/span><span style=\"font-weight: 400;\"> works because different assets behave differently. It is a well-established fact that both <a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/capital-market\/bonds-vs-equities-understanding-the-risk-and-return-trade-off\/\">equities<\/a> and bonds (the two major asset classes) have an inverse relationship. And that\u2019s why several investors prefer making <\/span><span style=\"font-weight: 400;\">asset allocation to bonds<\/span><span style=\"font-weight: 400;\"> to manage\/reduce their equity risk.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">But how does this happen?<\/span><\/i><span style=\"font-weight: 400;\"> Usually, equities fluctuate in the market. But bonds are comparatively less volatile and offer pre-determined income. Also, bonds perform relatively better than equities in weak market phases, particularly during:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Economic slowdowns\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">or<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rate cuts<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In such situations, bonds may hold value or even rise, which offers a cushion when equities fall.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Do_Portfolio_Rebalancing_Using_Bonds\"><\/span><span style=\"font-weight: 400;\">How to Do <\/span><span style=\"font-weight: 400;\">Portfolio Rebalancing<\/span><span style=\"font-weight: 400;\"> Using Bonds?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The first step is to understand where your money currently is. As an investor, you must check your investment levels:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How much is in equity?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How much in bonds?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How much in <a href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sovereign-gold-bond-vs-gold-etf\/\">gold<\/a>, real estate, or cash?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Next, calculate the percentage each asset holds in your total portfolio. After making this calculation, you may follow these steps:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_I_Set_Your_Target_Allocation\"><\/span><span style=\"font-weight: 400;\">Step I: Set Your Target Allocation<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Your target mix could be based on:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Age<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk appetite<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investment horizon<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financial goals<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For example (only for illustrative and educational purposes),\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A young investor with a long horizon may prefer 70% equity and 30% bonds.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A risk-averse investor might choose 50% equity and 50% bonds.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A retired person may prefer 30% equity and 70% bonds.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Now, this target mix becomes your guide for all <\/span><span style=\"font-weight: 400;\">portfolio rebalancin<\/span><span style=\"font-weight: 400;\">g decisions. Always remember that there is no \u201ccorrect\u201d mix, but only the one that suits you.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_II_Identify_Deviations\"><\/span><span style=\"font-weight: 400;\">Step II: Identify Deviations<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Now compare your current allocation to your target allocation. Let\u2019s say your target is 60:40 (as determined in Step I). But due to a market rally, your portfolio becomes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equity: 70%<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">and<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bonds: 30%<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This means equities are overweight by 10%, and bonds are underweight by 10%.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_III_Buy_Sell_or_Redirect_Money_to_Rebalance_the_Mix\"><\/span><span style=\"font-weight: 400;\">Step III: Buy, Sell, or Redirect Money to Rebalance the Mix<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Once you notice that your portfolio has drifted away from your target allocation, the next step is to restore the balance. You can do this in two ways:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Method<\/span><\/td>\n<td><span style=\"font-weight: 400;\">What You Do<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Why It Helps<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Option 1: Sell What\u2019s Overgrown<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Sell part of the asset class that has become larger than your target (say, equities after a rally).<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduces excess risk<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Locks in profits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Brings the overweight asset back to its intended level.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Option 2: Buy What\u2019s Less<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Make fresh bond investments if they are below your target allocation.<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Strengthens the underweighted portion<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Restores balance in your portfolio.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Step_IV_Use_Different_Types_of_Bonds_for_Diversification\"><\/span><span style=\"font-weight: 400;\">Step IV: Use Different Types of Bonds for Diversification<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The bond market in India offers many choices. As an investor, you may invest in different types of bonds with varying risk levels and maturities.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your <\/span><span style=\"font-weight: 400;\">diversification technique <\/span><span style=\"font-weight: 400;\">could be to mix:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/impact-of-unchanged-repo-rate-on-government-securities-2024\/\">Government securities<\/a> (G-Secs): Lower risk due to sovereign guarantee\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">State development loans (SDLs): Safe and comparatively higher returns than G-secs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Corporate\/ PSU bonds: Competitive returns depending on credit rating<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gilt funds: Invest in government securities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt mutual funds: Invest in corporate bonds of varying durations and credit ratings<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">By splitting your bond investments across categories, you may reduce portfolio risk and improve stability.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"An_Example_of_Portfolio_Rebalancing\"><\/span><span style=\"font-weight: 400;\">An Example of <\/span><span style=\"font-weight: 400;\">Portfolio Rebalancing<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Let\u2019s say you start with \u20b96 lakh in equity and \u20b94 lakh in bonds. Your target is 60:40. Now, after a year:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The equity becomes \u20b99 lakh<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">and<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bonds become \u20b94.2 lakh<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As a result, now equity is 68% and bonds are 32%. To restore the balance, you decided to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sell 8% of your equity shares<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">and<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Invest the proceeds into bonds<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In this way, you restored the mix to 60:40.<\/span><\/p>\n<h1><span class=\"ez-toc-section\" id=\"To_Conclude_Portfolio_Rebalancing_is_About_Sticking_To_Your_Original_Plan\"><\/span><span style=\"font-weight: 400;\">To Conclude, Portfolio Rebalancing is About Sticking To Your Original Plan!<\/span><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p><span style=\"font-weight: 400;\">So now you know that <\/span><span style=\"font-weight: 400;\">portfolio rebalancing<\/span><span style=\"font-weight: 400;\"> is a technique through which you can restore the original risk level of your portfolio. Usually, you reduce the equity percentage and divert the proceeds into bonds. Alternatively, some investors avoid selling equities altogether and prefer making fresh bond investments to bring the portfolio back to its intended mix.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">The advantage?<\/span><\/i><span style=\"font-weight: 400;\"> Both approaches may keep your portfolio balanced + aligned with your original plan. If you are searching for investment-grade bonds to rebalance your portfolio in 2026, you may <\/span><a href=\"https:\/\/goldenpi.com\/corporate-bonds\"><span style=\"font-weight: 400;\">visit the GoldenPi platform<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here you can find various options, including AA or AAA-rated bonds, PSU bonds, high-yield bonds, short-term bonds, and more!<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Portfolio_Rebalancing_FAQs\"><\/span><span style=\"font-weight: 400;\">Portfolio Rebalancing<\/span><span style=\"font-weight: 400;\"> FAQs<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_When_to_do_portfolio_rebalancing\"><\/span><span style=\"font-weight: 400;\">1. When to do <\/span><span style=\"font-weight: 400;\">portfolio rebalancing<\/span><span style=\"font-weight: 400;\">?\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There is no \u201cright\u201d time, but several investors prefer doing it annually or semi-annually. Alternatively, you can do rule-based portfolio rebalancing, for example, when the deviation increases by 5 to 10% from your target allocation.\u00a0\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_is_an_ideal_portfolio_target_allocation\"><\/span><span style=\"font-weight: 400;\">2. What is an ideal portfolio target allocation?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There is no single ideal mix. Your allocation depends on your age, investment style, and risk appetite. A conservative investor may prefer more bonds, while an aggressive investor may choose higher equity exposure. Remember that the \u201cright\u201d mix is simply the one that matches your risk tolerance limit.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Why_use_bonds_for_portfolio_rebalancing\"><\/span><span style=\"font-weight: 400;\">3. Why use bonds for <\/span><span style=\"font-weight: 400;\">portfolio rebalancing?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bonds are comparatively less volatile and perform better than equity shares during weak economic conditions. Also, they offer regular interest income. After a market rally, by shifting some of your equity gains into investment-grade corporate bonds, you can lower your overall portfolio risk.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Should_I_sell_equities_or_make_a_fresh_investment_to_rebalance_my_portfolio\"><\/span><span style=\"font-weight: 400;\">4. Should I sell equities or make a fresh investment to rebalance my portfolio?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Both work, and the choice depends on you! Selling equities keeps your portfolio size roughly the same, while making fresh investments in bonds increases your overall portfolio value. Investors often choose between these options based on applicable taxes and their long-term financial goals.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span><span style=\"font-weight: 400;\">Disclaimer:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bonds or non-convertible debentures (NCDs) are regulated by the Securities and Exchange Board of India and other government authorities. GoldenPi Securities Private Limited is a<\/span><\/p>\n<p><span style=\"font-weight: 400;\">registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"When to do portfolio rebalancing?\u00a0\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"There is no \u201cright\u201d time, but several investors prefer doing it annually or semi-annually. 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