Ravatalozás

Ravatalozás, also known as rebalancing or rebalancing investments, is a financial strategy used to maintain a desired asset allocation within a portfolio. This process involves periodically adjusting the proportions of different asset classes, such as stocks, bonds, and cash, to reflect the target allocation. The primary goal of ravatalozás is to mitigate the effects of market fluctuations and maintain the desired level of risk and return.

The need for ravatalozás arises due to the natural drift that occurs in a portfolio over time. As the values of different asset classes fluctuate, the proportions of these assets within the portfolio can shift from their intended levels. For example, if the stock market performs well, the proportion of stocks in the portfolio may increase, while the proportion of bonds may decrease. Ravatalozás helps to correct these imbalances by selling some of the overperforming assets and buying more of the underperforming ones.

The frequency of ravatalozás can vary depending on the investor's goals, risk tolerance, and market conditions. Some investors may choose to rebalance their portfolios annually, while others may do so more frequently, such as quarterly or even monthly. Additionally, some investors may opt for automatic rebalancing, where the process is handled by a financial advisor or a robo-advisor, ensuring that the portfolio remains aligned with the target allocation without requiring manual intervention.

Ravatalozás is an essential tool for long-term investors seeking to maintain a consistent investment strategy. By regularly rebalancing their portfolios, investors can help to preserve their desired level of risk and return, even in the face of market volatility. However, it is important to note that ravatalozás does not guarantee profits and should be used as part of a broader investment plan.