Why your mutual fund is underperforming (the rebalancing secret)

You bought a mutual fund two years ago and forgot about it. Sounds familiar? That's exactly why most Indians are leaving money on the table.

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Here's what happens: your high-performing stock fund grows to fifty percent of your portfolio, while your debt fund shrinks to thirty percent. Your original plan is completely broken.

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This is called drift. And it forces you to take way more risk than you actually wanted to, without knowing it.

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The fix? Rebalance your portfolio once every six months. Sell what's grown too big, buy what's lagged behind. This one habit can add three to five percent returns over five years.

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Most investors never do this. That's why they underperform. You now know better.

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