Quick Answer
Work out each holding’s target share of your total, then buy or sell the difference. A S$100,000 portfolio that drifted to 70/20/10 against your own 60/30/10 target needs S$10,000 moved: sell S$10,000 of shares and buy S$10,000 of bonds. New cash can rebalance without selling.
The Useful Number: A S$100,000 portfolio that drifted to 70/20/10 against a 60/30/10 target needs S$10,000 moved: sell S$10,000 of shares and buy S$10,000 of bonds.
What Does Rebalancing Mean?
You choose a target mix, such as 60% shares, 30% bonds and 10% cash. As prices move, the mix drifts. Rebalancing means buying and selling, or adding new money, so each holding is back to its target share.
The calculator only uses the targets you enter. It does not suggest a mix: that depends on your goals, timeline and comfort with risk.
How Do You Rebalance S$100,000?
These numbers are made up. Shares grew to S$70,000, bonds are S$20,000 and cash S$10,000, against a 60/30/10 target.
- Shares: 70% → 60%: Sell S$10,000
- Bonds: 20% → 30%: Buy S$10,000
- Cash: 10% → 10%: No change
- Amount moved: S$10,000
Add S$5,000 of new cash and the new-cash-only option puts all of it into bonds, the furthest below target. That leaves you about S$7,000 from your targets without selling anything. You would need about S$16,667 of new cash to reach every target with no sales.
- Portfolio: S$100,000
- Shares: 70% → 60%: Sell S$10,000
- Bonds: 20% → 30%: Buy S$10,000
- Cash: 10% → 10%: No Change
- Amount Moved: S$10,000
Data as of . Source: MoneySense — Investment Risk.
What Does The Calculator Leave Out?
It ignores trading fees, taxes, lot sizes, spreads and price moves. Selling can cost fees, so some people rebalance only when a holding drifts a few points, or use new money first. Holding names you type stay on your device and are not added to result links.
What Should You Check Before You Trade?
Check what each trade costs with the trade cost calculator, and see how yearly fees add up in the investment fees guide. This guide does not recommend any mix or product.
Quick Check
Three statements from this guide. Tap True or False to check what you have read. Nothing is saved.
Card 1 Of 3
The calculator suggests the best target mix for you.
Why?
Your mix depends on your goals, timeline and comfort with risk.
Card 2 Of 3
A portfolio at 70/20/10 against a 60/30/10 target needs S$10,000 moved.
Card 3 Of 3
Holding names you type are added to your result link.
Why?
Result links carry only the values and targets you entered.
Your Score
Try It With Your Numbers
Open the calculator with this guide’s example filled in. Then change the numbers to match your situation.
Open Portfolio Rebalancing Calculator →Frequently Asked Questions
Does The Calculator Suggest A Target Mix?
No.
It only uses the targets you enter. Your mix depends on your goals, timeline and comfort with risk, so choose it yourself.
Can I Rebalance Without Selling Anything?
Often, partly.
The new-cash-only option puts your new money into the holdings furthest below target. In the example, S$5,000 goes into bonds and about S$16,667 would be needed to reach every target.
Are Holding Names Included In My Result Link?
No.
Names you type stay on your device. Result links carry only the values and targets you entered.
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Sources & Assumptions
Sources checked 12 October 2026. These are examples only. Check the stated assumptions and limits before you use a result.
General information and estimates, not advice. Uses only the targets you enter and ignores fees, tax and lot sizes. Checked 4 October 2026.