Why allocation matters
Returns get the headlines; allocation drives risk. A single stock or sector can dominate P&L without looking obvious in a flat holdings list.
Capitallytics allocation views sit on your tracked portfolio — Indian and global assets together — so you can see mix by type and symbol. Rebalancing decisions remain yours; the product does not trade for you.
Getting a complete picture first
Allocation is only meaningful when every account is included. You can import a CAS PDF for mutual funds and demat holdings, upload broker statements, or add holdings by hand. Statement and CAS reading is in Beta, so you tick only the holdings that match your statement before they are saved.
Holdings in other currencies are converted to your base currency for the mix, and the same instrument held with two brokers is treated as one holding. Shares are rounded once with a largest-remainder correction, so the slices always add up to exactly 100%.
Reading your mix
Start with the asset-class view: equity, fixed income, gold, silver, crypto and cash are shown separately. Then look at individual holdings to see whether one fund or stock carries most of the equity slice. Grouping by sector or region, where the data is available, shows overlap that a holdings list hides, such as three funds that all lean on the same large banks.
Compare the result with the mix you intended. Markets move allocations without any action from you: a strong year for equities pushes their share up, and the portfolio slowly becomes riskier than you planned.
Ways to bring a mix back in line
There are two common approaches. Selling the overweight asset and buying the underweight one restores the mix at once, but it can create capital gains tax and exit loads. Directing new money, such as monthly SIPs, into the underweight asset is slower but usually avoids selling. Which suits you depends on your tax position and goals; this is educational information, not investment advice.