3 min read • Published 5 Aug 25
We analysed 50,000 portfolios. And 78% need rebalancing
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When we committed to launching personalized Power Rebalancing for 🔶Elite members this August, we knew it would be big.
We ran an in-depth analysis on the first 50,000 portfolios on PowerUp.
The results are eye-opening!
₹128 Cr in missed gains found
🔹35% of users have at least one out-of-form fund
🔹59% have at least one off-track fund
🔹Just 13% of users have all their funds in-form and on-track
In total 78% of our users have at least one equity fund that needs rebalancing.
And this isn’t theory — it’s actual user data.
The average missed gain per user is ₹39,000/- across 3 to 4 funds. Even after factoring in capital gains tax and exit load.
Power Rebalancing gives you a fully personalized, tax-optimized rebalancing plan to switch from lagging funds in your portfolio to the top-ranked funds.
What are the missed gains for different user segments?
📊 Top 10% (avg portfolio 1Cr) → missed gains of INR 1.5Lacs
📊 Top 25% (avg portfolio 65L) → missed gains of INR 1.1Lacs
📊 Top 50% (avg portfolio 40L) → missed gains of INR 70K
📊 Bottom 25% (avg portfolio 5L) is → missed gains of INR 15K
That’s real money left on the table.
Gains that could’ve been yours — had you simply switched from lagging funds to top-ranked alternatives.
What exactly are missed gains?
Missed gains represent the extra returns you could have earned if you had invested in the top-ranked funds (in the same category) instead of your current ones.
We simulate your actual investment journey — every SIP, lump sum, and withdrawal — and compare it to how the same investments would’ve performed in PowerUp’s top-ranked funds since Jan 2021.
The difference = your missed gains.
Missed gains is completely data backed and an accurate metric to quantify the lost opportunity of staying invested in a lagging fund.
Note: Our backtested data shows that switching to top-ranked funds leads to 5%-15% higher annualized returns over your lagging funds consistently.
How Power Rebalancing helps
Power Rebalancing gives you a fully personalised switching plan to keep your portfolio in top form.
→ Switch from lagging funds to top-ranked funds
→ Within the same category (no risk profile change)
→ Optimized for short term capital gains(STCG) tax and exit load
And it only shows up when there’s a clear benefit.
This isn’t generic advice. It’s sharp, quantified, and entirely built around your portfolio.
Even small improvements in returns can significantly improve your long-term wealth creation. Just a 2–3% increase in returns can double your wealth over 20 years
What’s included in Power Rebalancing (and what’s not)
You will only receive a rebalancing plan if we have identified opportunities in your portfolio where better-performing alternatives can help you improve your portfolio returns meaningfully.
We only recommend a switch if it makes sense — based on both upside and cost:
Yes, you’ll get a rebalancing plan if:
✅ Missed gains meaningfully outweigh tax and exit costs
✅ Your fund is out-of-form or off-track
✅ You’re overexposed to a single fund (>20%)
No plan will be shown if:
❌ Your investment is recent and there’s insufficient data
❌ Your fund is unrated (new fund or part of niche categories)
❌ Your ELSS funds are still under lock-in
❌ You’re already in top-ranked funds or have no missed gains (👏 kudos!)
Note: We currently rate only equity mutual funds. Hybrid, debt, and solution-oriented funds are coming soon.
P.S. Asset Allocation coming soon
Power Rebalancing doesn’t change your risk profile, it just optimizes within the same category. To fine-tune your overall mix of equity, debt, hybrid, etc., Power Allocation is launching soon for Elite members.
The first personalized plans go live on August 15
This is the first time a fully personalized, tax-optimized rebalancing plan is being made available to retail investors, without the complexity or cost of a traditional wealth manager.
With Power Rebalancing you can:
✅ Switch from weak funds
✅ Avoid unnecessary taxes
✅ Keep your asset allocation intact
✅ Improve long-term returns
👏 Kudos to the 22% who need no rebalancing! Your portfolio is in great shape — and we won’t ask you to touch what’s working.
⚠️ For the rest — Power Rebalancing could be the most valuable upgrade to your investing journey.
Final call: Join Elite by August 15th to secure your personalized plan
Power Rebalancing plans will only be shared with Elite members between August 15-22nd. If you join after that, you’ll be eligible for the next drop in October.
You can trust us to always be on top of your portfolio
Power Rebalancing is powered by our proprietary Power Ratings and Rankings engine — designed to help you effortlessly gauge how well a fund is performing today, and how confidently it can be held for the future.
These ratings evaluate every fund across:
- Rolling returns (long-term consistency)
- Volatility (risk stability)
- Recent trend performance
- Expert validation (fund manager quality, diversification, mandate discipline)
Our backtested data shows that switching to top-ranked funds leads to 5–15% higher annualized returns consistently.
We are a SEBI-registered RIA (Registered Investment Advisor), which means our advice is unbiased and built entirely around what’s best for the user.
Our recommendations are built by in-house experts and fund analysts on 20+ years of data and thoroughly backtested to deliver best outcomes.
Note: Past success doesn’t guarantee future returns and neither do we. But, we can assure you that our experts and rebalancing engine are always on top of your portfolio, doing all the heavy lifting so you don’t have to.
