r/IndianPersonalFinance Benchmarked

Portfolio Allocation & Rebalance Transition Planner

Profile: 27F Software Engineer | ₹29L CTC (~₹1.2L/mo in-hand) | ₹50k/mo living expenses

Grounding: ₹70.09L portfolio heavily concentrated in low-yield cash/FDs (₹20L, 28.5%) and company RSUs (₹20L, 28.5%). Only 16.5% is invested in core diversified equity.

Total Net Worth
Monthly Surplus
Asset Allocation Comparison ₹17L Idle Cash Drag

Inner ring: Current holdings. Outer ring: Target balanced allocation.

Core Equity
Company RSU
Cash & FDs
EPF & NPS
Gold
Allocation Presets
Transition & Deployment Workbench Step-by-Step Transition
Emergency Safety Cushion
₹3,00,000
6 months @ ₹50k/mo
Deployable Idle Capital
₹17,00,000
FD + Cash minus Emergency
Monthly Liquid STP
₹1,41,667
Over 12 months horizon
Emergency Fund Duration: 6 Months ₹3.00 Lakhs locked in Liquid/FD
3 mo (₹1.5L aggressive) 6 mo (₹3.0L standard) 12 mo (₹6.0L ultra-safe)
Liquid Fund STP Horizon: 12 Months Systematic dollar/rupee cost averaging
6 mo (rapid) 12 mo (standard STP) 18 mo 24 mo (conservative)
RSU De-risking Tranches: 4 Quarterly Slices ₹5.00 Lakhs / quarter
2 Quarters (6 mo) 4 Quarters (1 year) 8 Quarters (2 years)
Indian Tax Efficiency Guidelines (FY 2024-25 / 2025-26): • Move excess FD cash into an Overnight/Liquid Fund; setup STP into Nifty 50 / Large & Midcap Index funds.
• Equity Mutual Funds LTCG is taxed at 12.5% beyond the ₹1.25 Lakh annual exemption limit (STCG is 20%).
• Vesting of US/MNC RSUs was already taxed as perquisite income at slab rate; sell tranches on vesting to avoid concentrated employer equity downslides.
Phased Capital Deployment Roadmap Integrated STP + Monthly Salary Surplus
Phase Month Action Category Transfer Mechanism Tranche Inflow Target Asset Pool Status / Rebalance Checkpoint
Portfolio Assets Breakdown & Customizer