A client's investment policy calls for rebalancing when any asset class drifts more than five percentage points from target. Equities have risen sharply, pushing the equity weight above the band. The adviser should:

a.Sell some equities and buy the underweighted classes to restore targets
b.Do nothing because winners should always run
c.Move the entire portfolio to cash
d.Double the equity allocation to capture momentum

Explanation

Disciplined rebalancing means trimming the overweight asset class and adding to underweighted ones to restore the target allocation and control risk. Ignoring the policy or chasing momentum abandons the client's agreed risk profile. Rebalancing enforces buy-low, sell-high discipline.

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