SIPs create a continuous stream of new capital. Direct that capital to underweight sleeves before you harvest gains in taxable accounts.
- Set target weights and drift bands.
- Each contribution period, buy what is light.
- Do a calendar review once or twice a year.
- Sell to rebalance mainly when cash flow cannot fix the drift—or inside tax-advantaged accounts.
Conclusion
Let SIPs do dual duty: grow wealth and maintain allocation. Trading should be the exception, not the hobby.