Portfolio rebalancing
Target weights vs actual → how much to buy/sell per asset
Rows: «asset; target %; current value»
| Asset | Target | Actual | Action |
|---|---|---|---|
| Акції США | 60% | 45.0% | +15,000 |
| Облігації | 25% | 30.0% | −5,000 |
| Золото | 10% | 18.0% | −8,000 |
| Кеш | 5% | 7.0% | −2,000 |
Rebalancing restores the risk profile: drifted weights are sold/bought back to target. Rule of thumb — rebalance yearly or at >5pp drift. Selling may have tax consequences; prefer rebalancing with new contributions.