Dynamic multi asset, Nifty Total Market plus debt and gold
One fixed equity core, two regime switches. The machine decides how much risk to carry.
Written for investors who want growth but read a 25% drawdown as opportunity, not panic.
Moderately High risk band
01At a glance
₹100 in the model in Nov 2022 became ₹388 by Jul 2026; the Nifty 50 TRI line reached ₹141. Model, back tested. As of 27 Apr 2026. After charges, log scale. Not a promise of future returns.
02Three steps
Line Dynamic Asset Allocator up against the other 17 strategies, and against funds, PMS and AIF.
Compare strategiesEvery year, month, fall, holding and rebalance is in the factsheet below.
Open the factsheetLink your broker and approve each rebalance. Stocks stay in your own demat; RupeeCase never holds your money.
Invest in Dynamic Asset Allocator03Factsheet
Every figure behind the four numbers, in seven parts. Return figures are model, back tested and after charges; each block names its date.
Model, back tested, after charges, 2022 to Jul 2026. Not a promise of future returns.
Model, back tested: the published monthly model returns after charges, Nov 2022 to Jul 2026 (45 months). A back test, not a promise of future returns.
Move across the record to read how far the model sat below its last peak, and how long it took to climb back.
Model, back tested. As of 27 Apr 2026. The scrub reads month end model values from Nov 2022 to Jul 2026, so its falls read shallower than the daily figures on the buttons; days are counted between month ends. Drawdowns of similar size can happen again. Moderately High risk band.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2022 | Janno data | Febno data | Marno data | Aprno data | Mayno data | Junno data | Julno data | Augno data | Sepno data | Octno data | Nov−0.7 | Dec2.2 | Year+1.5% |
| 2023 | Jan−2.2 | Feb−2.1 | Mar4.4 | Apr3.2 | May1.6 | Jun6.2 | Jul14.2 | Aug9.0 | Sep6.9 | Oct2.2 | Nov11.4 | Dec10.1 | Year+85.6% |
| 2024 | Jan11.4 | Feb1.8 | Mar−3.0 | Apr10.6 | May3.4 | Jun8.5 | Jul2.8 | Aug4.8 | Sep5.5 | Oct−4.3 | Nov2.0 | Dec1.4 | Year+53.8% |
| 2025 | Jan−1.7 | Feb−2.8 | Mar5.9 | Apr2.2 | May3.8 | Jun0.3 | Jul−1.5 | Aug2.3 | Sep2.6 | Oct3.1 | Nov1.7 | Dec1.5 | Year+18.4% |
| 2026 | Jan0.4 | Feb6.0 | Mar−6.3 | Apr5.6 | May2.0 | Jun2.9 | Jul1.7 | Augno data | Sepno data | Octno data | Novno data | Decno data | Year to date+12.4% |
Model, back tested, after charges. Each cell is one calendar month, in percent. Not a promise of future returns.
Return over each 12 month window.
CAGR over each 36 month window.
Model, back tested, from the month end model values, Nov 2022 to Jul 2026. Not a promise of future returns.
Model, back tested, daily record over since inception: from the peak to the low, and the days until the record was back at that peak.
Live quantities, prices and book values are in the app
The current composition published for the strategy: a fixed equity core plus regime switches. Where the switches sit moves with the model's signal. Model portfolio, not a recommendation to buy or sell any stock.
11 sectors in the equity sleeve; the largest mapped sector is IT & Technology at 9.8%, and 43.1% of the sleeve is not yet in the sector map. Sector exposure follows the equity sleeves and shifts with the regime switches. When the switches sit in debt and gold, sector risk shrinks with them. Sector map curated against NSE listings.
| Sector | 2022 | 2023 | 2024 | 2025 | 2026 | Now |
|---|---|---|---|---|---|---|
| Other, not yet mapped | 76 | 70 | 69 | 69 | 33 | 43 |
| Power & Utilities | 3 | 5 | 5 | 4 | 8 | 10 |
| Capital Goods | 4 | 4 | 6 | 3 | 8 | 10 |
| IT & Technology | 2 | 2 | 2 | 3 | 5 | 10 |
| Metals & Mining | 2 | 6 | 5 | 6 | 11 | 6 |
| Pharma & Healthcare | 0 | 2 | 2 | 3 | 5 | 6 |
| Chemicals | 0 | 0 | 2 | 2 | 5 | 6 |
| FMCG & Consumer | 3 | 2 | 3 | 2 | 3 | 4 |
| Banking & Financial | 10 | 6 | 4 | 5 | 9 | 2 |
| Auto & Components | 1 | 2 | 1 | 2 | 7 | 2 |
| Realty & Construction | 0 | 0 | 0 | 0 | 1 | 2 |
| Energy & Oil & Gas | 2 | 1 | 1 | 1 | 4 | out |
| Textiles | 0 | 0 | 0 | 0 | 1 | out |
63 published rebalances, 13 sectors touched, 11 held on the latest list (26 Jun 2026). Each cell is the average weight that year, equal weighted at the stock level; darker is a higher weight.
Rebalances run on a fixed calendar; you approve each one before your broker places the orders.
Against the list of 5 Jun 2026: 12 in, 19 out, 41 held, 53 on the list.
Model portfolio, back tested rebalance record. Entered plus held is that date's list size, which can differ from the 52 stock target. Tickers are not recommendations.
| Date | On the list | In | Out |
|---|---|---|---|
| 26 Jun 2026 | 53 | +12 | −19 |
| 5 Jun 2026 | 60 | +16 | −19 |
| 15 May 2026 | 63 | +19 | −24 |
| 24 Apr 2026 | 68 | +26 | −15 |
| 3 Apr 2026 | 57 | +16 | −17 |
| 13 Mar 2026 | 58 | +12 | −22 |
| 20 Feb 2026 | 68 | +21 | −8 |
| 30 Jan 2026 | 55 | +12 | −11 |
| 9 Jan 2026 | 54 | +12 | −11 |
| 19 Dec 2025 | 53 | +12 | −12 |
| 28 Nov 2025 | 53 | +9 | −13 |
| 7 Nov 2025 | 57 | +15 | −10 |
Every rebalance with its namesRebalance history, CSV
Names on the list, names in and names out at each date; the history page and the CSV have every name.
6 such shifts in 63 rebalances; the latest six. Equity sleeve, equal weighted at the stock level.
| Metric | Dynamic Asset Allocator | Nifty 50 |
|---|---|---|
| Sharpe ratio | 2.32 | 0.67 |
| Sortino ratio | 2.30 | 0.68 |
| Calmar ratio | 4.25 | 0.52 |
| Volatility, a year | 16.54% | 12.37% |
| Max drawdown | −10.57% | −14.93% |
| Best week | +7.93% | +5.27% |
| Worst week | −5.95% | −4.33% |
| Weeks up | 66.84% | 54.74% |
| Average up week | +1.94% | +1.37% |
| Average down week | −1.73% | −1.34% |
Model, back tested, after charges. Weekly figures over the since inception window to 13 Jul 2026; the Nifty 50 over the same window. Not a promise of future returns.
Moderately High on a scale from Low to Very High
CAGR, Sharpe and max drawdown on the cards: Model, back tested. As of 27 Apr 2026. Take the risk profile to see which bands sit within yours.
Start from a menu of groups: Equity or Debt, Equity or Gold. A fixed sleeve (equity core, 35%) holds its weight through every cycle.
A momentum and risk composite scores each group. The model shifts weight toward the groups showing the strongest risk adjusted trend and away from the ones losing it.
Capital moves between groups as the signal changes. There is no fixed stock universe: the published composition is a snapshot of where the model sits today.
Every 3 weeks the model runs again end to end and republishes the full composition, so every switch is on record.
The only dynamic card on the lineup. Every other card holds a fixed asset mix and rotates stocks inside it. This one moves the mix itself. A fixed 35% equity core stays invested through every regime, while the other 65% is split into two switches the model controls.
The first switch is 40% of the portfolio and flips between equity and debt. The second is 25% and flips between equity and gold. When the model reads the regime as risk-on, both switches lean into equity and the card runs close to fully invested. When it reads risk-off, the switches rotate into LiquidCase and GoldBees and the equity exposure shrinks to the core.
The equity sleeves screen the Nifty Total Market, roughly 750 stocks across all cap segments, so the stock selection engine is the same one the static cards run. What is different is that the machine also decides how much of the portfolio that engine gets to drive.
One honest caveat: this card launched later than the static cards, so its figures run since inception rather than the rolling 5 year window the rest of the lineup reports. Compare with that in mind. The current composition, how much sits in equity, debt, and gold right now, is published alongside this card and updates with each rebalance.
This suits investors who want the model to manage the asset mix, not just the stock list. If you have ever known you should trim equity in a frothy market and not done it, this card exists to make that decision for you, every 3 weeks, without asking how you feel.
A description of the strategy, not a recommendation. Decide your own allocation, or ask a SEBI registered investment adviser.
Machine learning is used in research to search and optimise the model behind each strategy: which signals rank the universe, how many names to hold and how often to rebalance, tested out of sample. The rule that ships is then frozen and published, so the live strategy is a fixed, readable algorithm, not a black box that changes on its own.
Free modules from the RupeeCase Learn library. No sign up.
0.2%of traded value, charged only when a rebalance trades
Higher turnover or more capital raises the fee in proportion.
Model, back tested, cumulative over the since inception window to 13 Jul 2026. Net is gross minus estimated costs, as on the current factsheet. Not a promise of future returns.
RupeeCase is a technology platform, not a fund, a PMS or a SEBI registered investment adviser. Model, back tested. As of 27 Apr 2026. Model figures are after estimated charges and are not actual client returns. Past performance does not guarantee future returns; capital can be lost.
04Questions
One fixed equity core, two regime switches. The machine decides how much risk to carry. Dynamic Asset Allocator allocates across EQUITY VS DEBT, EQUITY VS GOLD based on a momentum and risk signal, and rebalances every 3 weeks.
About ₹4,75,912, enough to hold one share of every name in the current book at recent prices. The figure moves with the prices of the holdings.
Dynamic Asset Allocator shows a model CAGR of 45.18% against 9.80% for the Nifty 50 TRI CAGR line (Jan 2021 to Jul 2026), with a Sharpe ratio of 2.32. Model, back tested. As of 27 Apr 2026. Past performance does not guarantee future returns.
10.57% peak to trough in the model record. The deepest period ran 49 days, from 9 Feb 2024 to 29 Mar 2024. Model, back tested. As of 27 Apr 2026. Drawdowns of similar size can happen again, so size the position for it.
0.2% of traded value per rebalance. No subscription, no AUM fee, no performance fee. On the minimum capital of ₹4,75,912, the platform fee works out to about ₹4,950 a year (1.04% of capital). Assumptions: about 17 rebalances a year (every 3 weeks), 30% of the book traded at each rebalance, 0.2% of traded value. Higher turnover or more capital raises the fee in proportion. Broker side charges (brokerage, STT, exchange charges, GST) are separate.
Yes. No lock-in. Holdings sit in your own broker demat account and you can sell any name on any market day. Switching strategies or pausing the rebalance is a one-click action on the platform.
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CAGR and Max DD on the cards: Model, back tested. As of 27 Apr 2026.
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0.2% of traded value per rebalance. No AUM fee, no lock in. Line behind: the Dynamic Asset Allocator model record, after charges, as of 27 Apr 2026. Not a promise of future returns.