We analysed 1,00,000+ portfolios. Here’s why most need rebalancing

When we committed to launching Power Rebalancing for 🔶 Elite members this August, we knew it would be big.

After analysing 1,00,000+ mutual fund portfolios on PowerUp, we found 78% need rebalancing.

On average, investors lost ₹1.58 lakhs in missed gains — almost 9% of their portfolio value. And that is even after accounting for taxes and exit loads.

---

78% of investors need rebalancing

🔹 35% of investors hold out-of-form funds
🔹 59% hold off-track funds
🔹 Only 31% of portfolios beat Nifty 50 last year

In total we found INR 1200 Cr worth missed gains. This is real money and real underperformance.

Almost 9% of portfolio value is sitting in missed gains

📊 Avg portfolio of 1Cr → missed gains of INR 9Lacs
📊 Avg portfolio of 40L → missed gains of INR 5Lacs
📊 Avg portfolio of 5L → missed gains of INR 45K

These gains can be completely avoided, if you simply switch 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.

Note: Our recommendations are built by in-house experts and fund analysts, backed by 20+ years of backtested data. And these have shown consistently positive results over time.

Even small improvements matter — a consistent 2–3% increase in annual returns can double your wealth over 20 years.

That’s the power of compounding and keeping your portfolio in top-form.

---

But why do so many portfolios have laggards

You would think so many under-performing portfolios are the result of bad fund picks. No, it isn’t about investors making bad fund choices.

It is because most investors are holding on to funds that have quietly lost steam, without realizing it.

That’s a silent drag on your long-term wealth creation.

This is where Power Rebalancing comes in.

---

How Power Rebalancing helps

Power Rebalancing gives you a fully personalised, tax-optimised rebalancing plan to switch from lagging funds in your portfolio to the top ranked ones.

With Power Rebalancing you can: 

✅ 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
✅ Improve diversification and reduce overexposure

---

What went into building this

It took months of effort across our data science, engineering, design, and advisory teams:

– Our data team processed thousands of portfolio paths to find the most suitable switch
– Our SEBI-registered advisors manually reviewed all edge cases
– Every switch was thoroughly back-tested to ensure it is meaningful, tax-efficient, and worth doing
– Designers simplified complex switch recommendations into intuitive user experiences
– Engineers built a system that balances personalization of advisory at scale

This is built to make every mutual fund investor feel like they’ve got a wealth manager on their side, at a fraction of what traditional wealth managers charge.

---

The first Power Rebalancing plans went live on August 15

We have rolled out Power Rebalancing plans for our 6000+ Elite members last week.
And the response from them has been very encouraging.

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. 

If you are not an Elite member then Power Rebalancing could be the most valuable upgrade to your investing journey.

Stay tuned. We’re tirelessly working to make mutual fund investing truly effortless for you.