MARS is an asset allocation and scheme selection tool that is built on solid NJ research for a smooth and automated rebalancing of portfolios. It gives clients a wide range of diversified portfolios to choose from, depending on their investment goals and risk appetite. Since the rebalancing is system-driven, it eliminates behavioural biases as well. System-driven reminders are sent to clients and partners regarding the timing of rebalancing. \r\rMARS offers two broad sets of asset allocations:\r\rDynamic asset allocation portfolio: The asset allocation between equity and bond funds varies depending on the equity market scenario, valuations, and economic growth indicators – the higher the market risk valuation, the lower the allocation, and vice versa. Rebalancing is generally done every quarter. The dynamic approach allows investors to choose from a wide range of baskets depending on their risk appetite. Portfolios are primarily classified as Aggressive (larger exposure to equities), Moderate (moderate exposure to equity; maximum 60%), and Conservative (larger exposure to debt; minimum 70%).\rFixed asset allocation portfolio: In this case, the asset allocation between equity and debt funds would be fixed in the beginning and rebalanced annually.