Family-Office Grade Tool
Asset Allocation Rebalancer
Rebalance across MF, direct equity, gold, real estate and alternatives (AIF / PMS / GIFT City) — with liquidity-aware actions that respect fund lock-ins.
Liquid Holdings
Current market value of each freely-tradeable asset class.
Active + index + ELSS
Liquid, short, corporate, gilt
Bank FD, SCSS, bonds
Current market value
Savings + liquid fund
Alternative Investments
AIF, PMS & GIFT City holdings. These are largely illiquid — the tool rebalances your liquid sleeve around this locked core.
Private equity, private credit, real-estate & structured funds · Min. ₹1 Cr
End-to-end fund life
Target Allocation
Pick a risk profile or customise sliders.
Growth + stability
Tax Settings
Used to estimate tax on liquid sells.
LTCG 12.5% on gains above ₹1.25L/yr
Portfolio Drift
9.5% max
Significant drift. Rebalance required.
Rebalance Size
liquid sleeve · on ₹2.05 Cr
Liquidity-Aware Rebalancing
₹40.00 L (19.5% of your portfolio) is locked in AIF / GIFT City vehicles and cannot be sold to rebalance until each fund matures. This tool holds that illiquid core fixed and rebalances only your ₹1.65 Cr tradeable sleeve around it — the way a family office actually does it.
Next unlock: ₹40.00 L of AIF Cat II matures in 4.0 yrs (2030).
Rebalancing Actions
| Asset | Current ₹ | Current % | Target % | Target ₹ | Gap ₹ | Action |
|---|---|---|---|---|---|---|
| Equity | ₹1.10 Cr | 53.7% | 50% | ₹91.67 L | -₹18.33 L | SELL |
| Debt | ₹40.00 L | 19.5% | 25% | ₹45.83 L | +₹5.83 L | BUY |
| Gold | ₹8.00 L | 3.9% | 10% | ₹18.33 L | +₹10.33 L | BUY |
| Real Estate | ₹0 | 0.0% | 0% | ₹0 | +₹0 | HOLD |
| Alternatives | ₹40.00 L | 19.5% | 10% | ₹20.50 L | +₹0 | LOCKED |
| Cash | ₹7.00 L | 3.4% | 5% | ₹9.17 L | +₹2.17 L | BUY |
| Total | ₹2.05 Cr | 100% | 100% | ₹2.05 Cr |
Alternatives are over-target but locked. The illiquid core (₹40.00 L) alone exceeds your 10% target — it cannot be trimmed until maturity. Your liquid buckets above are re-weighted to keep the total portfolio as close to target as possible.
Alternatives Maturity Ladder
When each locked vehicle unlocks and its capital becomes available to re-deploy.
Current vs Target Allocation
Current
Target
Tax Impact of Selling
On the liquid sleeve only — locked alternatives can't be sold, so they trigger no rebalancing tax. Estimate assumes ~30% unrealised gains on sold amount.
Est. gains ₹5.50 L · LTCG 12.5% on gains > ₹1.25L exempt
How Your Alternatives Are Taxed
Largely pass-through — LTCG / business income per the underlying holdings.
Tax-Efficient Alternative
Redirect your next 12 months of SIP contributions to Debt + Gold + Cash instead of selling Equity. You reach target allocation over 12 months with zero capital-gains event — saving approximately ₹53K in taxes.
Monthly redirect required ≈ ₹1.53 L. Combine with annual bonus or top-up.
Tax-Efficient Rebalancing Sequence
- 1Redirect NEW SIP contributions to underweight assets first — zero tax, zero churn.
- 2Use fresh lumpsum (bonus, maturities, salary increments) to top up underweight buckets.
- 3When an AIF / GIFT City fund matures, re-deploy its proceeds — the tax-free moment to rebalance.
- 4If selling liquid assets, sell equity held > 1 year first to use the ₹1.25L LTCG exemption.
- 5Next, trim any loss-making positions — loss harvesting offsets other gains.
- 6Sell debt mutual funds only if absolutely required (taxed at your slab post-Budget 2023).
- 7Never sell SGBs before maturity, and never force-exit a locked AIF — secondary-market exits carry steep discounts.
Expert Insights
CFP Note from Ram Shah, CFPCM
For portfolios with AIF / PMS / GIFT City exposure, rebalancing is not just about drift — it's about liquidity. Size your alternatives so you never need to force-exit one at a discount, keep goals & emergencies funded from the liquid sleeve, and treat every fund maturity as a natural, tax-friendly rebalancing window. Trustner distributes AIF (via Nuvama empanelment), PMS (APMI) and SIF alongside mutual funds — speak to your Relationship Manager for a personalised, liquidity-mapped rebalancing calendar.
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Disclaimer: Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns. AIF, PMS and IFSC/GIFT City investments carry their own risks, lock-ins and suitability requirements (minimum ticket sizes apply) and are for eligible investors only. Tax estimates use a ~30% gain proxy and current-year rules (LTCG 12.5% on equity above ₹1.25L, debt MF at slab post Budget 2023); AIF/PMS/GIFT taxation varies by category and structure. Actual tax depends on your cost basis, holding period and aggregate capital gains. This tool is educational and does not constitute tax or investment advice. Consult your Chartered Accountant or a SEBI Registered Investment Adviser for personalised guidance.
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Trustner Asset Services Pvt. Ltd. · AMFI ARN-286886 · No obligation, no charges
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