Rebalancing sounds technical. It is really just a habit of selling a little of what grew and buying a little of what lagged.
Set a drift, not a date
Instead of rebalancing every quarter, VAULT 27 watches for drift. When any asset class moves more than 2% away from your target, the vault nudges it back.
This keeps risk steady without trading more than necessary — and every trade is checked for tax-loss harvesting opportunities first.
Start with three buckets
A global equity ETF, a bond ladder and a small slice of gold or crypto is enough. Complexity can come later, or never.