Long-term ETF investing in Indian markets • 200-DMA Regime + Annual Rebalancing
How the Calculator Works
The tool uses the classic 200-Day Moving Average (200 DMA) of Nifty 50 to classify the market into three regimes and then dynamically splits your SIP across four liquid ETFs.
Compare Monthly vs Quarterly investment frequency (same annual contribution)
Assumes annual rebalancing back to target weights at the end of every year
Check Nifty 50 vs its 200 DMA on any charting platform (TradingView, NSE, Moneycontrol, etc.). Select the matching regime below.
Your Inputs
For quarterly comparison, this is converted to 3× amount every quarter
Suggested SIP Allocation + Annual Rebalancing
Regime: Sideways
| Risk: Moderate
Asset / ETF
Allocation %
Monthly Amount (₹)
Quarterly Amount (₹)
Annual Rebalancing: At the end of every year the portfolio is brought back to the target weights shown above.
This helps lock in gains from outperforming assets and buy more of underperforming ones — a classic long-term discipline.
Monthly vs Quarterly – Projected Results
Same total money invested per year. Projection uses illustrative long-term returns and annual rebalancing.
Monthly SIP
₹ 0
Total invested: ₹ 0
Effective contributions: 12 per year
Quarterly SIP
₹ 0
Total invested: ₹ 0
Effective contributions: 4 per year
Difference will appear here after calculation.
Why the difference? Monthly investing benefits from more frequent compounding and rupee-cost averaging.
Quarterly investing is simpler to manage but slightly lags in compounding. The gap widens over longer horizons.
Both strategies assume the same annual rebalancing to target weights.
Allocation Logic (Default Matrices)
These percentages are adjusted slightly by your risk profile. Annual rebalancing keeps the portfolio aligned with these targets.
Regime
Nifty 50
Gold
Silver
Bonds
Bullish
60–70%
10–15%
5–10%
10–20%
Sideways
40–50%
15–20%
10–15%
20–30%
Bear
20–35%
20–30%
10–15%
30–40%
Disclaimer: This is an educational tool only and does not constitute investment advice.
Past performance is not indicative of future results. ETF investments are subject to market risks.
Please read all scheme-related documents carefully and consult a SEBI-registered investment adviser before investing.
Data and logic are simplified for illustration; live 200 DMA should be verified independently.
Projected values assume constant expected returns and perfect annual rebalancing — actual results will differ.