At a glance

▸ You set drift thresholds (e.g., rebalance when allocation moves past 5%)
▸ Pre-authorize the bounds once; Sthira never crosses them without re-consent
▸ Tax-aware — prefers idle cash and new SIPs before triggering taxable sales
▸ Every rebalance ships with a one-screen plain-English explanation
▸ Full audit trail of what was, what is, what changed, and why

What it does

A rebalance is just “buy a little of what’s underweight, sell a little of what’s overweight.” The hard part isn’t the math — it’s keeping the process accountable. Most retail investors either never rebalance (and silently take on more risk than they signed up for), or they get pitched a “model portfolio” service that quietly trades on their behalf without explaining the changes.

Sthira splits the difference. You define your target allocation (e.g., 70% equity / 30% debt) and the drift band that triggers action (e.g., > 5%). When the portfolio drifts past that band, Sthira proposes a rebalance. If the proposal fits within the bounds you pre-authorized, it executes and notifies you. If it doesn’t, it pauses and asks.

The rebalancer prefers cash + incoming SIPs before triggering sales, to minimize realized gains. Every action has a one-screen explanation that a non-finance person can read and understand.