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Should I rebalance my portfolio?
January 19, 2026
|Mint Mumbai
I am 35 years old, and have been investing through Systematic Investment Plan (SIPs) in four equity mutual funds for the past 5-6 years.
Over time, my portfolio has become heavily tilted towards mid-and small-cap funds. Should I rebalance by moving some profits into large-cap or hybrid funds, or is it better to continue with my current SIP strategy? -Name withheld on requestIt is a very pertinent one and something that most investors fail to understand the ramifications of.
Over the past 5 years, which is also your time frame of investment, there have been two major cycles, i.e. 1) 2021-2024, wherein midand small caps performed spectacularly and 2) 2025 onwards, where midand small-caps performed very poorly.
Your question relates to a strategy decision: if our objective is to reduce volatility, we rebalance our market-cap allocation from time to time.
If our purpose is to maximize returns, then we let the corpus grow without any intervention.
هذه القصة من طبعة January 19, 2026 من Mint Mumbai.
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