rebalance

rebalance

Steps

1. Invoke the portfolio-state skill.

2. Compute current weights per asset class (equity_in, equity_us, mf_in, cash) from the snapshot.

3. For each asset class, compute:

   • drift = current_weight - target
   • in_band = min <= current_weight <= max

4. For each out-of-band class, propose reallocation to target:

   • Out-of-band high → sell down to target
   • Out-of-band low → buy up to target
   • Funding logic: prefer cash surplus first; otherwise pro-rata sell from over-weight classes.

5. Dispatch risk-reviewer subagent with {current_weights, proposed_changes} at the asset-class level.

6. Dispatch tax-optimizer subagent if any asset-class sells would be realized from taxable accounts. Pass only the candidate sell lots identified by FIFO from each overweight class.

7. Synthesize a user-facing output:

   • Current vs target allocation table
   • Reallocation plan (amounts in INR, with USD equivalents for US-side moves)
   • Tax flags per proposed sell
   • Risk flags
   • Executable note: "this is asset-class level. Run rotation for the per-ticker buys/sells that implement these deltas."

8. Optional: dispatch doc-writer if user asked for a Word/PDF.

Output

Conversational summary + structured table + optional artifact path.

Rules

• rebalance never recommends individual tickers. That's rotation's job.
• If risk-reviewer returns fail, present the finding and stop — do not emit recommendations that violate IPS.