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Portfolio Rebalancing

The Portfolio Rebalancing tool helps you maintain your desired asset allocation by comparing your current portfolio against your target goals. It provides visual insights and actionable recommendations to keep your portfolio aligned with your investment strategy.

Key Features

1. Dual View Modes

• Asset Class Allocation: View and manage your portfolio split between Stocks, Options, Crypto, Fixed Income, and Cash.
  • Note: Treasury ETFs, bond funds, and fixed income instruments (e.g., SGOV, BIL, AGG, BND, TLT) are automatically classified as Fixed Income to provide accurate allocation tracking of your bond and treasury holdings.
• Sector Allocation: Analyze your exposure across 11 standard market sectors (Technology, Healthcare, Financial Services, etc.).

2. Visual Analysis

• Interactive Charts: Side-by-side pie charts visualize your “Current” vs “Target” allocation for quick comparison.
• Progress Bars: Each asset or sector card features stacked progress bars showing exactly where you stand relative to your goal.
• Drift Indicators: Color-coded indicators (Green check / Orange warning) instantly highlight areas that have drifted from your target.

3. Easy Target Editing

• Edit Mode: Toggle edit mode to adjust your target allocations.
• Precision Controls: Use sliders for broad adjustments or the + / - buttons for precise 1% increments.
• Smart Presets: Quickly apply standard strategies using the preset chips:
  • Asset Class: Aggressive, Moderate, Conservative, All Equity.
  • Sector: Tech Heavy, Balanced, Defensive.
  • Fixed Income: Presets now include bond and treasury allocations for balanced portfolios.
• AI Optimization: Tap the sparkles icon ✨ to open the AI Asset Allocation tool. Get personalized target recommendations based on your risk profile, time horizon, and investment goals.
• Normalization: One-tap “Normalize” button ensures your targets always add up to exactly 100%.

4. Actionable Recommendations

• Drift Threshold: Set a custom dollar threshold (e.g., $100, $500) to filter out minor fluctuations.
• Smart Suggestions: The tool automatically generates a list of “Buy” and “Sell” actions needed to rebalance your portfolio.
• Prioritized List: Recommendations are sorted by dollar amount, so you can focus on the most impactful trades first.
• Clear Actions: Each recommendation shows the exact amount to buy or sell to reach your target.

5. Automated Rebalancing Scheduler

• Scheduled Checks: Enable periodic drift checks (daily, weekly, or monthly) from the settings sheet.
• Notifications: Receive alerts when your portfolio drifts beyond the configured threshold.
• Auto-Execute (Optional): Allow experimental auto-rebalance placement for paper or guided workflows.
• Macro Guidance: Built-in macro context provides suggestions on whether to rebalance aggressively or defensively.

How to Use

1. Access: Navigate to the “Allocation” section on the Home screen and tap “Rebalance”.
2. Set Targets: Tap the “Edit” icon (pencil) to enter edit mode. Targets default to your current allocation on first open. Adjust sliders or apply a preset to define your ideal portfolio. Save your changes.
3. Review Drift: Check the “Drift” indicators on each card to see which assets are off-target.
4. Execute Trades: Scroll down to the “Rebalancing Recommendations” card to see a prioritized list of trades to execute.
5. Enable Scheduler: Open settings (gear icon) to turn on scheduled checks and configure notifications.