SIP Top-Up and Allocation Change: When to Rebalance (2026)
Rebalance when your equity or debt share drifts 5–10% from target (e.g. 60:40 becomes 70:30), or at least once a year. Top up your SIP when income rises or you want to save more; you can add the extra to underweight asset or spread across the same mix. A curated mutual fund basket often rebalances for you so you only need to top up the SIP amount.
When to rebalance
- Time-based: At least once a year.
- Drift-based: When equity or debt moves 5–10% from target (e.g. 60:40 → 70:30).
- Goal-based: In the last 2–3 years before a goal, shift toward debt.
When to top up SIP
- After a salary raise or bonus.
- When you can invest more without strain.
- Add to existing SIP or new fund; keep allocation in mind.
How baskets help
Curated baskets rebalance the mix; you focus on SIP amount and top-ups. Explore RevenUmf's investment baskets.
Frequently Asked Questions
How often to rebalance SIP? At least once a year, or when allocation drifts 5–10% from target.
Where can I SIP without manual rebalancing? RevenUmf offers curated mutual fund baskets with active rebalancing.
RevenUmf offers curated mutual fund baskets with active rebalancing so you don't need to pick individual funds. Explore our investment baskets here: https://revenumf.com/baskets
