Asset Allocation & Rebalancing Tracker

Frequently asked questions

Why doesn't this pull my holdings or current prices automatically?

Because a live pricing feed is required to access a licensed brokerage (which we can't do with this free tool), all trackers like this one work by entering in your own values for holdings which you will update manually when changes occur that are significant enough to warrant it; the tracker simply does the math of how to allocate those values.

How much drift is worth acting on?

Vanguard's own rebalancing guidance suggests checking your portfolio at least once a year and considering a rebalance once any asset class is 5 percentage points or more off its target. That's a widely cited starting point, not a rule this tool enforces; some investors rebalance on a fixed calendar instead (annually or quarterly) regardless of drift size.

What does the drift score actually measure?

It's the total percentage of your portfolio that's currently misallocated, the sum of every asset class's distance from its target, divided by two (since a dollar that's too much in one class is a dollar too little in another, so counting both sides would double it). A drift score of 15% means 15% of your total portfolio would need to move to bring every class back exactly to target.

Should I rebalance by selling, or by directing new money?

Selling gets you back to target immediately but can trigger capital gains tax in a taxable brokerage account. Directing new contributions toward whatever's underweight, and skipping further contributions to whatever's overweight, avoids that entirely but takes longer to close a large gap. Many investors do both: rebalance freely inside tax-advantaged accounts like a 401(k) or IRA, where selling has no tax consequence, and lean on new contributions to gradually correct taxable accounts.

Can I use my own asset classes instead of the ones listed?

The seven categories of investment (U.S. Stocks, International Stocks, Bonds, Cash, Real Estate, Crypto and Other) will likely be able to represent most client's portfolios without overwhelming the user with too many choices. If you have a portfolio that breaks down into something much more granular than the seven above classes, it would be acceptable to round those individual investments in your portfolio to one of the classes described above as they are merely used for class level total calculations; each fund or security doesn't need to be individually represented.

Why do the target percentages need to add up to 100%?

A Target Allocation describes your entire portfolio, so every dollar must be allocated into one class (or another). If your Targets add up to less than 100%, you may treat the portion remaining as "zero" and there will likely always be a persistent trend ("drift") in whichever classes are holding this money; make sure your Total equals 100%, because the figures represent only what they appear to represent when the percentages total 100%.

Why save a snapshot instead of just watching the live numbers?

The "Live Table" will always show what you own and where you are headed in terms of your Target Portfolio (as well as a snapshot of the current moment). A "Save Snapshot" will give you an actual Drift Score for the time frame that it was taken. Therefore, saving snapshots periodically will give you a clear picture of how much your portfolio tends to wander prior to being rebalanced, versus only viewing the current snapshot.

Is my portfolio data private?

Yes. Every holding, your target allocation and every saved snapshot are stored only in this browser's IndexedDB, on your device, never uploaded anywhere. There's no account, no sync between devices and no export yet, so clearing your browser data or switching devices loses everything entered here.