Net worth and rebalancing
List what you own and what you owe. See your net worth, your mix of investments, and the moves that bring it back to your target.
Your net worth is $210K
$390,000 you own, less $180,000 you owe. $90K of it is in investments you can rebalance.
Target mix for investments
Your mix against the target
The dark tick marks the target.
Moves to rebalance
- Move $6,000 from equity to debt
- Move $1,000 from cash to debt
- Move $4,500 from cash to gold
Selling can trigger tax and exit loads. Where you can, rebalance with new money instead: add to what’s under target.
How this is calculated
Net worth is everything you own minus everything you owe. Your home counts toward it, but it’s not rebalanced: you can’t sell a tenth of a house.
drift = holding − target × investable
Moves go from the most overweight class to the most underweight, so the list is as short as it can be. Many people rebalance once a year, or when a class drifts more than 5 points from target.
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