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State of the 1 Portfolio — Returns, Allocation & Rebalancing (September 2026)

A detailed review of the '1 Portfolio' as of September 2026, covering a dip in Nifty 50, Gold's continued outperformance, the perpetual rebalancing strategy, and an update on the FX remittance route debacle.

Source 15:04 YouTube

Also as Blog

About This Video

This video provides a comprehensive update on the state of the “1 Portfolio” for September 2026. We review the portfolio returns and asset allocation, dissect the performance of Nasdaq 100, Nifty 50, and Gold, and look at how the perpetual rebalancing framework corrects portfolio drift. Additionally, I share a quick update on my recent FX remittance route experience and applying Form 122 (12BAA).

Finally, I introduce three new open-source personal finance projects I’m building:

  • Xfina: Parse financial statements directly in your browser with zero data uploads.
  • Xfingine: Pure computation engine for personal finance planning.
  • Xsteer: A privacy-first cashflow planner that turns your statements into a monthly money to-do list.

What You’ll Learn

  • The current performance and XIRR of the 1 Portfolio and its components.
  • How the recent market movements affected drift across equity sleeves.
  • The mechanics of the “Forward Water-Filling” approach to allocate new capital.
  • Why no fresh capital was allocated to Smallcap 250, Debt, and Gold this month.
  • Insights into optimizing international FX remittance via BHIM and Bharat Connect.
  • A first look at privacy-first tools for personal finance management.

Key Concepts Covered

  1. Portfolio Returns & Drift

    • Reviewing the dip in Nifty 50 XIRR and Gold’s breakout.
    • Understanding capital efficiency and drift widening.

  2. Perpetual Rebalancing in Action

    • Distributing new capital across underweight assets (Nasdaq 100 and Nifty 50).
    • Achieving a unified water level (-0.40% drift) for multiple equity sleeves.

  3. Operational Learnings & Software

    • The successful routing of funds via ICICI through BHIM for IBKR.
    • Managing cashflow drag using Form 122 for TCS adjustments.
    • Introducing Xfina, Xfingine, and Xsteer for automated, private financial tracking.

Who Should Watch

  • Investors tracking the “1 Portfolio” journey and global multi-asset strategies.
  • Individuals interested in quantitative portfolio rebalancing and drift correction.
  • Anyone navigating international fund transfers (LRS, FX Retail, IBKR) from India.