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इस secret से big investors कमाते हैं मोटा return | portfolio secret | portfolio rebalancing - YouTube
Channel: Mukul Agrawal
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Hello everyone!
How are you all
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what’s up with you lately?
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By title, you should have known
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On which topic I am going to talk
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In this video,
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I’ll be covering each and every aspect
Related to portfolio rebalancing.
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Like what’s portfolio rebalancing?
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Why is it important for you?
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How should portfolio rebalancing be done?
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How many times in a year is it
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Important for an investor
To do portfolio rebalancing?
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Everything!
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A big eye-opener video
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For people who make portfolio
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They’ll see a world
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Which they’ve never seen before
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This is a brother’s promise.
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So today, if you’re an investor,
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And want to understand portfolio rebalancing,
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Then this is just for you.
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So, me, Mukul Agrawal,
Welcome you to your own YouTube channel.
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Whoever is new here, do subscribe to the channel,
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And hit the bell icon
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And never miss the 8:30pm night show.
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Where we give some trade
(so) that our family can earn.
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And for any news related to stock market
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Stay connected to twitter and telegram.
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Every news would be first available only to you!
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Lakhs of people are already connected.
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INTRO!!!
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Lakhs of people are already connected.
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What is portfolio rebalancing?
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portfolio rebalancing is a technique through which
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an investor maintains his investments.
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Let’s learn this with an example.
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Most of the investors of the world
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believe 60/40 asset allocation to be best.
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Meaning 60% in portfolio i.e., 60% in Equity
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Now consider an example that
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Now consider an example that
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Last year at this point in time
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You did 60/40 to your 100 Rs
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Ok? How would you do this?
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So, you invested 60 Rs in stock market
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And 40 Rs you invested in some debt fund.
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And 40 Rs you invested in some debt fund.
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An example for the name of Debt fund is HDFC Banking & PSU Debt Fund
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Here you Invest with 5 years goal.
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CORRECT!!
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Now, we’d make you understand with
The help of a live example that how is
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Rebalancing is exactly done.
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Today, if we see the chart of last 1 year
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Then there was a growth of approx. 57.67% in Nifty 50
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Whereas in HDFC Banking & PSU Debt Fund
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It was only 6%
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Now after 1 year, when
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We’re checking our portfolio,
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We see that Equity, with a growth of 57.67%
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Has become 94.6 INR.
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And debt, with a growth of 6%,
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Has become 42.40 INR.
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i.e., your portfolio of 100 Rs
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has, in one year, become
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94.60 + 42.40 i.e., 137 Rs
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Now, if we look at your asset allocation,
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Then from 60/40, it has become 69/31.
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Converting this back to 60/40 is
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Known as portfolio rebalancing.
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So, I hope that, through an example,
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You’ve understood what portfolio rebalancing is.
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Now,
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a question arises that
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Why should an Investor rebalance his profile?
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Right? This question is obvious.
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So, every investor should rebalance
His portfolio, my friend,
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Because through this, the balance of risk
And return on your investment
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Remains maintained.
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Yes! You’d now be wondering how?
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Look, you already know that
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Stock market is an uncertain game,
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Where there’s quick growth
And quick downfall.
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It isn’t necessary that
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The goal with which you invested,
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Gets achieved.
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It is possible that the equity market
Goes down instead of growing.
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And if that happens, the weight of
Your debt asset increases.
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And that of equity lowers.
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The reverse too can happen
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i.e., If the equity grows then
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There’d be a disbalance in your assets.
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The chances of risk and return too
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Would similarly disbalance.
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But when an investor
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uses rebalancing technique
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then he balances asset weight
according to asset allocation.
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So, risk and return remain
Maintained in a balanced way.
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Now you’d make a question
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What should be the frequency of portfolio rebalancing?
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Right? In how much time frames?
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Only then it would work accurately.
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So, look, you can set its frequency
According to your utility in the portfolio.
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You can do it whenever you feel
As per your wish
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There’s no written rule as such.
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But the big investors do their portfolio rebalancing Quarterly, bi-yearly or yearly.
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Many a times, doing a lot of portfolio rebalancing
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Can have a bad impact on your investment.
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Because every time you buy/sell your equity,
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There are various charges, taxes, entries, exits
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Various charges on it that affect your growth badly.
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So, my belief is that
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Yearly or bi-yearly is the right technique.
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Now how to rebalance your portfolio?
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Finally, it is time for the moment you were waiting for
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That how should we rebalance?
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So, for rebalancing your portfolio
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You need to set time and tolerance.
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I’ll explain this too with an example.
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Imagine that we had 10Lakh Rs on 1 January
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And we did its 60/40 allocation.
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Now, I made a schedule for rebalancing,
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In which I decided that every year on 1 January,
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I’d rebalance my portfolio on
The basis of 60/40 asset allocation.
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Now, in the midst of this time period only,
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There’d come a difference of 5+%
In the asset weight of my portfolio.
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Then, without waiting for 1 January,
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I’ll rebalance my portfolio immediately.
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Right, this is called tolerance.
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So, this is our thinking and strategy
Related to portfolio rebalancing.
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It isn’t necessary that you too
Do it in this exact manner.
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You are independent to rebalance
Your portfolio using your own strategy.
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In this, you can also involve some factors
such as age, risk tolerance and salary allocation.
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So, I hope you understood this information nicely
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That how you can rebalance your portfolio.
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If, still some questions left unanswered,
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Do let us know in the comment box.
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Who all are doing, do share it with people
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On social media, WhatsApp, Facebook and twitter
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So that everyone can learn it and know it.
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Thank you so much.
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