{"id":9591,"date":"2018-11-26T11:30:28","date_gmt":"2018-11-26T10:30:28","guid":{"rendered":"https:\/\/schweizerfinanzblog.ch\/your-assets-back-on-track-thanks-to-rebalancing\/"},"modified":"2026-06-12T00:00:00","modified_gmt":"2026-06-11T22:00:00","slug":"rebalancing","status":"publish","type":"post","link":"https:\/\/schweizerfinanzblog.ch\/en\/rebalancing\/","title":{"rendered":"Rebalancing: How to get your portfolio back in balance"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Your portfolio is set up, your asset allocation is fixed \u2013 and then the markets do whatever they like. Prices rise, fall, shift. Suddenly your portfolio no longer matches your risk profile. Does it have to be that way? Not necessarily. In this fifth lesson of our financial guide, you&#8217;ll learn how to get your wealth back in balance with little effort \u2013 and when you can skip it altogether.<\/strong><\/p>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><a href=\"https:\/\/schweizerfinanzblog.ch\/en\/asset-allocation\/\" target=\"_blank\" data-type=\"post\" data-id=\"510\" rel=\"noreferrer noopener\">&lt; Lesson 4<\/a> | <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/invest-in-8-lessons\/\" target=\"_blank\" rel=\"noreferrer noopener\">Overview<\/a> | <a href=\"https:\/\/schweizerfinanzblog.ch\/etfs\/\" target=\"_blank\" data-type=\"post\" data-id=\"508\" rel=\"noreferrer noopener\">Lesson 6 &gt;<\/a><\/p>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/post-info-component\/post-info-component.css?v=3\">\n<div class=\"post-info-component sfb-post-info-autoren\">\n\t\t<span class=\"sfb-post-info-bilder\">\n\t\t<img decoding=\"async\" class=\"sfb-autor-bild\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/07\/stefan_bw_round-autor-240.webp\" alt=\"Stefan Huser\" width=\"40\" height=\"40\" loading=\"lazy\"><img decoding=\"async\" class=\"sfb-autor-bild\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/07\/toni_bw_round-1-autor-240.webp\" alt=\"Antun Brcina\" width=\"40\" height=\"40\" loading=\"lazy\">\t<\/span>\n\t\t<div class=\"sfb-post-info-text\">\n\t\t<div class=\"von-and-comments sfb-post-info-namen\">\n\t\tBy <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/author\/stefan-huser\/\">Stefan Huser<\/a> and <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/author\/antun-brcina\/\">Antun Brcina<\/a>\t<\/div>\n\t\t\t<div class=\"post-dates\">Updated on <time class=\"entry-date updated\" datetime=\"2026-06-12T00:00:00+02:00\">12.6.2026<\/time><\/div>\t\t<\/div>\n\t<\/div>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/kurz-bundig-component\/kurz-bundig-component.css?v=2\">\n\n<div  id=\"wkcgZsq\" class=\"kurz-bunding mb-3\" style='background-color:#f9f9fa'>\n\t<div class=\"d-flex kurz-bunding-title\">\n\t\t<div>\n\t\t\t<img decoding=\"async\" class=\"kurz-bunding-icon\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/01\/lifghtbulb2.png\">\n\t\t<\/div>\n\t\t<p class=''>\n\t\t\tIn a nutshell\t\t<\/p>\n\t<\/div>\n\n\t<div class=\"kurz-bunding-content\">\n\t\t<ul>\n<li class=\"whitespace-normal break-words pl-2\">Rebalancing means bringing your portfolio back to your target weighting after market swings \u2013 no more, no less.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">If you hold a single global ETF and a fixed franc amount as your low-risk portion, you don&#8217;t need rebalancing.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">It becomes relevant when the low-risk portion is defined as a percentage, or when different asset classes in your portfolio perform differently.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Checking once or twice a year is enough \u2013 readjusting only pays off from a deviation of 5 percentage points, ideally via new contributions rather than sales.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">The so-called rebalancing bonus can deliver a small extra return, but it&#8217;s a welcome side effect \u2013 the real argument remains risk control.<\/li>\n<\/ul>\n\t<\/div>\n\t\t\t\n\t<\/div>\n\n<style>\n\t#wkcgZsq .kurz-bunding-content li::marker{\n\t\tcolor: #37c392;\n\t}\n\t#wkcgZsq .kurz-bunding-call-to-action a{\n\t\tbackground-color: #1bab78;\n\t\tcolor: #FFFFFF;\n\t}\n\n<\/style>\n<div id=\"toc_container\" class=\"no_bullets\"><p class=\"toc_title\">Contents<\/p><ul class=\"toc_list\"><li><a href=\"#What_is_rebalancing_and_do_you_even_need_it\">What is rebalancing \u2013 and do you even need it?<\/a><ul><li><a href=\"#When_you_don8217t_need_rebalancing\">When you don&#8217;t need rebalancing<\/a><\/li><\/ul><\/li><li><a href=\"#Rebalancing_in_practice_how_to_bring_your_portfolio_into_balance\">Rebalancing in practice: how to bring your portfolio into balance\u00a0<\/a><ul><li><a href=\"#When_to_rebalance\">When to rebalance?<\/a><\/li><li><a href=\"#Three_ways_to_bring_your_portfolio_back_into_balance\">Three ways to bring your portfolio back into balance<\/a><\/li><li><a href=\"#No_need_for_perfection\">No need for perfection<\/a><\/li><li><a href=\"#Good_to_know_rebalancing_in_the_drawdown_phase_Pillar_3_and_taxes\">Good to know: rebalancing in the drawdown phase, Pillar 3 and taxes<\/a><ul><li><a href=\"#Drawdown_phase\">Drawdown phase<\/a><\/li><li><a href=\"#Pillar_3\">Pillar 3<\/a><\/li><li><a href=\"#Taxes\">Taxes<\/a><\/li><\/ul><\/li><\/ul><\/li><li><a href=\"#The_rebalancing_bonus_a_welcome_side_effect\">The rebalancing bonus: a welcome side effect<\/a><ul><li><a href=\"#The_honest_downside\">The honest downside<\/a><\/li><\/ul><\/li><li><a href=\"#Conclusion\">Conclusion<\/a><\/li><li><a href=\"#You_might_also_be_interested_in\">You might also be interested in<\/a><\/li><li><a href=\"#Updates\">Updates<\/a><\/li><li><a href=\"#Disclaimer\">Disclaimer<\/a><\/li><\/ul><\/div>\n<h2 class=\"wp-block-heading\"><span id=\"What_is_rebalancing_and_do_you_even_need_it\">What is rebalancing \u2013 and do you even need it?<\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In the last lesson, you learned how to split your wealth into a high-risk and a low-risk portion. That lays the foundation of your portfolio. But the markets don&#8217;t stick to your plan: prices rise and fall, and the weightings shift with them. Rebalancing means restoring your original allocation. <\/p>\n\n<p>An example: you&#8217;ve invested CHF 100,000 \u2013 75% high-risk, 25% low-risk.<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/04\/Asset_Allocation_Weltportfolio_EN.png\" alt=\"\" class=\"wp-image-16698\"\/><figcaption class=\"wp-element-caption\">Starting point: global portfolio with a 75\/25 risk split and total assets of CHF 100,000; profile: dynamic. (Source: own illustration)<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">Now the stock markets drop by 30%. Your high-risk portion falls from CHF 75,000 to CHF 52,500, while the CHF 25,000 in your savings account stays the same. Your total assets now come to CHF 77,500 \u2013 and the low-risk share is suddenly 32% instead of 25%. Your portfolio is much more conservative than you planned.<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/04\/Rebalancing_Vorher_EN.png\" alt=\"Rebalancing: before\" class=\"wp-image-16743\"\/><figcaption class=\"wp-element-caption\">Asset allocation after a 30% price drop in the high-risk portion. The low-risk share rises from 25% to 32% \u2013 the portfolio is more conservative than planned. (Source: own illustration)<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">To get back to 75\/25, you&#8217;d have to shift around CHF 5,600 from your savings account into the high-risk portion \u2013 right after a crash, of all times, when your gut is telling you not to. That&#8217;s exactly what rebalancing is: a sober, rule-based correction that brings your portfolio back in line with your risk profile.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"When_you_don8217t_need_rebalancing\">When you don&#8217;t need rebalancing<\/span><\/h3>\n\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">But before you set up a rebalancing calendar: not every portfolio needs this correction. If you hold a single global ETF and define the low-risk portion as a fixed franc amount \u2013 e.g. CHF 25,000 in a savings account, not counting your emergency fund \u2013 you simply have nothing to rebalance. The ETF is continuously adjusted internally by the provider. And a fixed amount doesn&#8217;t shift, no matter what the markets do. In the same crash, your CHF 25,000 stays where it is. Your high-risk portion has shrunk, but your risk profile hasn&#8217;t changed \u2013 and that&#8217;s the logic behind the fixed franc amount. No action needed.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">So rebalancing becomes relevant when the low-risk portion is defined as a percentage (as in the example above) or when the portfolio consists of several ETFs, for example in a core-satellite approach. In both cases, the weightings drift apart over time \u2013 and you have to actively readjust. Let&#8217;s now look at how to do that pragmatically and cheaply.<\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"Rebalancing_in_practice_how_to_bring_your_portfolio_into_balance\">Rebalancing in practice: how to bring your portfolio into balance\u00a0<\/span><\/h2>\n\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Two questions arise: when should you rebalance? And how?<\/p>\n<h3 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\"><span id=\"When_to_rebalance\">When to rebalance?<\/span><\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">In theory, there are two approaches: calendar-based and threshold-based. With the calendar-based approach, you review your portfolio at fixed intervals \u2013 say, once a year. With the threshold-based approach, you only act when a deviation exceeds a certain value, e.g. 5 percentage points.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">In practice, you can combine both: you check your portfolio once or twice a year \u2013 and only step in if the deviation is large enough. That&#8217;s all it takes. Rebalancing isn&#8217;t a day-to-day job, but an occasional fine-tuning.<\/p>\n<h3 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\"><span id=\"Three_ways_to_bring_your_portfolio_back_into_balance\">Three ways to bring your portfolio back into balance<\/span><\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">There are basically three methods for bringing your portfolio back to its target weighting:<\/p>\n<ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\">\n<li class=\"whitespace-normal break-words pl-2\"><strong>Reallocating:<\/strong> You sell investments that are above their target weighting and use the proceeds to top up underweight positions. The classic approach, but it comes with transaction costs.<\/li>\n<li class=\"whitespace-normal break-words pl-2\"><strong>Cash-flow rebalancing:<\/strong> You direct new contributions \u2013 for example from your monthly savings \u2013 specifically into the underweight positions. No selling needed, no extra costs. For investors in the accumulation phase, this is the most elegant way, and it&#8217;s the one we follow too. <\/li>\n<li class=\"whitespace-normal break-words pl-2\"><strong>Combination:<\/strong> For smaller deviations, you readjust via new contributions. Only for larger shifts do you actively reallocate.<\/li>\n<\/ul>\n<h3 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\"><span id=\"No_need_for_perfection\">No need for perfection<\/span><\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">If you balance every position down to the last franc, you&#8217;ll pay unnecessarily high transaction fees \u2013 especially with smaller amounts. Focus on the biggest deviations. Once the overall split between the high-risk and low-risk portions is right again, you can safely ignore smaller imbalances within the high-risk portion. You&#8217;ll simply realign them with your next savings contribution. As a rule of thumb: if a position deviates from its target weighting by more than 5 percentage points, action is called for. Below that, the effort usually isn&#8217;t worth it.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The following chart shows what this looks like in practice.<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/04\/Rebalancing_Nachher_EN.png\" alt=\"Rebalancing: after\" class=\"wp-image-16744\"\/><figcaption class=\"wp-element-caption\">Asset allocation after rebalancing. The 75\/25 target weighting has been restored \u2013 smaller deviations within the high-risk portion are deliberately tolerated. (Source: own illustration)<\/figcaption><\/figure>\n\n<h3 class=\"wp-block-heading\"><span id=\"Good_to_know_rebalancing_in_the_drawdown_phase_Pillar_3_and_taxes\">Good to know: rebalancing in the drawdown phase, Pillar 3 and taxes<\/span><\/h3>\n\n<h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\"><span id=\"Drawdown_phase\">Drawdown phase<\/span><\/h4>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Everything described so far relates to the accumulation phase \u2013 the period in which you build up your wealth. But even if you&#8217;re drawing on your wealth in retirement, you can rebalance. The principle is simply reversed: instead of steering new contributions, you first sell positions that are above their target weighting. That way, each withdrawal brings your portfolio closer to its target weighting \u2013 without additional transactions.<\/p>\n<h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\"><span id=\"Pillar_3\">Pillar 3<\/span><\/h4>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">If you hold part of your wealth in Pillar 3: here, rebalancing is usually automated. You specify your risk profile once, and the provider takes care of the readjusting for you \u2013 often already included in the management fees. You still have to look after rebalancing your non-pension assets yourself, though.<\/p>\n<h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\"><span id=\"Taxes\">Taxes<\/span><\/h4>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">For private investors in Switzerland, rebalancing generally has no tax consequences. Capital gains on private assets are tax-free. The only exception: if you trade so frequently and on such a large scale that the tax authorities suspect professional securities trading, your gains are taxed as income. With one or two rebalancing transactions a year, that&#8217;s not an issue.<\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"The_rebalancing_bonus_a_welcome_side_effect\">The rebalancing bonus: a welcome side effect<\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The main goal of rebalancing is clear: your portfolio should match your risk profile again. But there&#8217;s a pleasant side effect known in the specialist literature as the <strong>rebalancing bonus<\/strong>.<\/p>\n\n<p class=\"wp-block-paragraph\">The principle behind it is simple: when rebalancing, you systematically buy more of the investments that have fallen and trim those that have risen. In other words, you act countercyclically \u2013 and it&#8217;s precisely this behavior that can generate a small extra return over the long term. Various studies put this effect at around 0.1 to 0.5 percentage points per year.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"The_honest_downside\">The honest downside<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">The rebalancing bonus is not a law of nature. It works best when prices return to their average after swings \u2013 the so-called <a href=\"https:\/\/en.wikipedia.org\/wiki\/Regression_toward_the_mean\" target=\"_blank\" rel=\"noreferrer noopener\">regression to the mean<\/a>. In phases of long-lasting trends, on the other hand, rebalancing can hold you back because you sell winners too early. None other than <a href=\"https:\/\/en.wikipedia.org\/wiki\/Charlie_Munger\" target=\"_blank\" rel=\"noreferrer noopener\">Charlie Munger<\/a>, Warren Buffett&#8217;s long-time partner, firmly rejected rebalancing for exactly this reason: anyone who systematically trims their winners slows the growth of their portfolio.<\/p>\n\n<p class=\"wp-block-paragraph\">Then there are the transaction costs. At an expensive traditional bank, they quickly eat up the bonus. The rebalancing bonus is therefore only worth it with a low-cost online broker that charges low fees per transaction.<\/p>\n\n<p class=\"wp-block-paragraph\">So: think of the bonus as a welcome extra, not a guarantee. <\/p>\n\n<div style=\"height:10px\">\n\t\n\t\n<\/div>\n<blockquote>\n<p style=\"text-align: center;\"><strong><span style=\"color: #37c392;\">\u201c<\/span><\/strong>The real case for rebalancing isn&#8217;t the extra return \u2013 it&#8217;s risk control.<strong><span style=\"color: #37c392;\">\u201d<\/span><\/strong><\/p>\n<\/blockquote>\n\n<div style=\"height:20px\">\n\t\n\t\n<\/div>\n<p class=\"has-text-align-center wp-block-paragraph\"><span style=\"font-size: 14pt;\"><span style=\"color: #339966;\"><i><span style=\"color: #37c392;\"><span style=\"color: #37c392; font-size: 14pt;\"><em>&#8211; Partner offers &#8211;<\/em><\/span><\/span><\/i><\/span><\/span><\/p>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><em>Still looking for the right financial solution? <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/our-recommendations\/\" target=\"_blank\" rel=\"noreferrer noopener\">Our recommendations<\/a> \u2013 with attractive sign-up bonuses.<\/em><\/p>\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/schweizerfinanzblog.ch\/en\/our-recommendations\/\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/02\/Our-Favourites_1-1.png\" alt=\"Our recommendations\" class=\"wp-image-15756\"\/><\/a><\/figure>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><span style=\"font-size: 14pt;\"><span style=\"color: #339966;\"><i><span style=\"color: #37c392;\"><em>&#8211; &#8211; &#8211; &#8211; &#8211;<\/em><\/span><\/i><\/span><\/span><\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"Conclusion\">Conclusion<\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Rebalancing isn&#8217;t a third major investment principle alongside diversification and asset allocation \u2013 it&#8217;s the maintenance that ensures your portfolio still matches your risk profile after market swings.<\/p>\n\n<p class=\"wp-block-paragraph\">If you keep it simple \u2013 one global ETF and a fixed franc amount in a savings account \u2013 you don&#8217;t need to worry about it. For everyone else: check once or twice a year, readjust when deviations are larger, ideally via new contributions rather than sales. There&#8217;s no need for perfection \u2013 as long as the overall allocation is right, you can safely ignore smaller imbalances.<\/p>\n\n<p class=\"wp-block-paragraph\">In <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/in-etfs-investing\/\" data-type=\"post\" data-id=\"508\">Lesson 6<\/a>, we take a closer look at the investment vehicle that keeps cropping up in this guide: the ETF. What&#8217;s behind it \u2013 and why do we speak of a revolution in private investing?<\/p>\n\n<p class=\"wp-block-paragraph\">You can find an overview of all lessons here: <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/invest-in-8-lessons\/\" target=\"_blank\" data-type=\"page\" data-id=\"776\" rel=\"noreferrer noopener\">Learn to invest \u2013 in eight lessons<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"You_might_also_be_interested_in\">You might also be interested in<\/span><\/h2>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/post-list-component\/post-list-component.css\">\n\n<div class=\"post-list-componenet pt-2 pb-4\">\n\t<div class=\"row\">\n\t\t\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/in-etfs-investing\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/06\/Titelbild_ETF_Revolution_final_EN.png\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"Investing in ETFs\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/06\/Titelbild_ETF_Revolution_final_EN.png 2400w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/06\/Titelbild_ETF_Revolution_final_EN-768x432.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/06\/Titelbild_ETF_Revolution_final_EN-1536x864.png 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/06\/Titelbild_ETF_Revolution_final_EN-2048x1152.png 2048w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Investing in ETFs: the revolution for your money<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/asset-allocation\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/06\/Titelbild_Asset-Allocation_final_EN.png\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"Asset allocation\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/06\/Titelbild_Asset-Allocation_final_EN.png 2400w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/06\/Titelbild_Asset-Allocation_final_EN-768x432.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/06\/Titelbild_Asset-Allocation_final_EN-1536x864.png 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/06\/Titelbild_Asset-Allocation_final_EN-2048x1152.png 2048w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Asset Allocation: The Be-All and End-All of Investing<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\"><span id=\"Updates\">Updates<\/span><\/h2>\n\n<p>2026-06-12: Selective adjustments made. <\/p>\n\n<p class=\"wp-block-paragraph\">2026-04-14: Article completely revised and updated.<\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"Disclaimer\">Disclaimer<\/span><\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>Disclaimer: <\/strong>Investing involves the risk of loss. You have to decide for yourself whether or not you want to take on these risks.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Errors excepted:<\/strong> We wrote this article on rebalancing to the best of our knowledge and belief. Our goal is to give you, as a private investor, the most objective and meaningful information possible on all things finance. If we have nevertheless made mistakes, or if important aspects have been forgotten and\/or are no longer up to date, we&#8217;d be grateful if you let us know.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your portfolio is set up, your asset allocation is fixed \u2013 and then the markets do whatever they like. Prices rise, fall, shift. Suddenly your portfolio no longer matches your risk profile. Does it have to be that way? Not necessarily. In this fifth lesson of our financial guide, you&#8217;ll learn how to get your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17383,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[176,182],"tags":[216,215,218,217,219],"class_list":["post-9591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-passive-investing","category-basics-en","tag-asset-allocation-en","tag-assets","tag-reallocation","tag-rebalancing-en","tag-rebalancing-bonus-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9591","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/comments?post=9591"}],"version-history":[{"count":13,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9591\/revisions"}],"predecessor-version":[{"id":18677,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9591\/revisions\/18677"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/media\/17383"}],"wp:attachment":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/media?parent=9591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/categories?post=9591"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/tags?post=9591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}