RealValue Family SIP Allocator

Overview

Intelligently rebalance your portfolio by allocating new investments to underweight assets. Handles multiple investors, international assets with TCS, tax slab optimization, and asset group constraints—all without selling existing holdings.

Key Features

Feature	Description
Tax-Efficient	Rebalancing via new investments only (no selling)
Multi-Investor	Different amounts and constraints per investor
Slab Assets	User-controlled priority via drag-and-drop
International TCS	Automatic calculation and tracking
Asset Groups	Enforce max limits for related assets
Transaction Minimization	Prefers single-investor allocations
Deterministic Algorithm	Consistent, repeatable results with priority-based allocation
Visual Analytics	Charts for reviewing pre/post allocation and drift analysis

Intelligent Family SIP Allocator | Cashflow Rebalancing with Tax & TCS Optimization

Algorithm

The allocation engine works in two distinct phases to ensure optimal rebalancing:

Phase 1: Determine Asset Needs

First, the tool calculates how much should be invested in each asset class:

1. Calculate Target Values: For each asset, determine what its value should be based on your target percentage of the total portfolio
2. Identify Gaps: Compare target value against current holdings to find underweight assets (negative drift)
3. Prioritize Underweight Assets: Only assets below target receive new allocations
4. Account for TCS: For international assets where TCS applies, budget 20% extra (1.2× multiplier) since that money goes to tax collection

At this stage, the tool knows exactly how much each asset needs, but hasn’t decided which investor buys what.

Phase 2: Assign Investments to Investors

Now the tool distributes these asset needs across your investors using different strategies:

For Slab Rate Assets (e.g., Debt):

• Uses bottom-to-top investor order from your table
• Last investor gets first priority, second-last gets next priority, and so on
• You control this by dragging investors in the table
• Useful for tax optimization—put lower tax slab investors at the bottom

For Regular Assets:

• Prefers investors without international access first (since they’re constrained)
• Then prefers investors with smaller remaining capacity (to free them up)
• Uses transaction minimization: if one investor can cover 80%+ of an asset’s need, gives them 100%
• Otherwise, distributes proportionally across available investors

Throughout Both Phases:

• Enforces asset group limits (e.g., max 30% in defensive assets)
• Respects international access restrictions
• Applies rounding to keep amounts manageable
• Handles TCS calculations automatically for eligible investors

The result is a deterministic allocation that rebalances your portfolio efficiently while respecting all constraints and minimizing transaction costs.

Rebalancing Explained

Earlier, part of this video explained in detail (without multi investor & TCS complexities)

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FAQ

What are slab rate assets?
Tax-sensitive assets (e.g., debt) allocated by investor position (bottom-to-top). Drag to reorder for priority control.

What makes this deterministic?
Strict priority order ensures identical results for identical inputs.

How does transaction minimization work?
When allocating non-slab assets, if a single investor has capacity to take ≥80% of an asset’s allocation need, the tool assigns 100% to that investor instead of splitting across multiple investors. This reduces the total number of buy transactions, saving on transaction costs and simplifying execution.

How is TCS calculated?
Budgets 1.2× (investment + 20% TCS), rounds total outflow, back-calculates investment.

What are asset groups for?
Set limits across related assets (e.g., total equity max 80%).

Can I save my configuration?
Yes. Export as JSON, import next month.

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Usage Guide

Inputs

Investors

• Name, Amount, International access, TCS applicability
• Drag to reorder (controls slab asset priority)

Asset Classes

• Name, Target %, Current value, Slab rate flag, International flag
• Targets must sum to 100%

Asset Groups (Optional)

• Group name, included assets, min/max % limits

Round Off

• Allocation rounding value (e.g., ₹5K = multiples of ₹5,000)
• For TCS investors, total outflow (investment + TCS) is rounded

Outputs

Summary Metrics

• Percentages of New Allocation, Drift Correction, TCS Drag

Allocation Matrix

• Investment per investor per asset
• Net Total (investments) and Gross Total (with TCS)

Charts/Table

• Portfolio Allocation: Pre/Post vs Target
• Drift Analysis: Pre/Post drift per asset
• Toggle percentage/amount view

Tips

1. Update current values before each period
2. Drag investors to control slab asset priority
3. Export configuration for reuse
4. Check drift correction to verify rebalancing impact
5. Use asset groups for defensive assets (debt/gold)

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Note: This tool implements a sophisticated methodology. Adjust based on your goals, risk tolerance, and market conditions.