rebalansiranje

Rebalansiranje is a term used in finance and investment to describe the process of bringing an investment portfolio back to its original asset allocation. This is typically done when the market performance of different assets causes their proportions within the portfolio to drift away from the desired targets. For example, if stocks have performed very well, they might now represent a larger percentage of the portfolio than initially intended, increasing the overall risk. Rebalansiranje involves selling some of the outperforming assets and buying more of the underperforming assets to restore the portfolio to its target weights.

The primary goal of rebalansiranje is to manage risk and ensure the portfolio remains aligned with the investor's goals and risk tolerance. By systematically selling high and buying low, investors can potentially enhance long-term returns and reduce volatility. There are several strategies for rebalansiranje, including time-based rebalansiranje, where adjustments are made at regular intervals (e.g., quarterly or annually), and threshold-based rebalansiranje, where adjustments are made only when an asset class deviates from its target allocation by a predetermined percentage. The frequency and method of rebalansiranje depend on the investor's preferences, the volatility of the markets, and the specific investment strategy. It is an important discipline for maintaining a disciplined investment approach.