Portfolio Rebalancing Strategy Calculator
Analyze portfolio drift and calculate optimal rebalancing trades.
Current vs Target Allocation
Stocks
Current:61.5%
Target:60%
Bonds
Current:26.9%
Target:30%
REITs
Current:4.8%
Target:5%
Cash
Current:6.7%
Target:5%
Drift Analysis
Stocks Drift:1.5%
Bonds Drift:-3.1%
Drift Score:6.5%
Threshold:5%
✓ Portfolio within tolerance - no rebalancing needed
Rebalancing Strategies
- Threshold-based: rebalance when drift exceeds 5% (or set threshold)
- Time-based: rebalance quarterly or annually regardless of drift
- Tax-aware: use new contributions to rebalance, avoid selling
- Band-based: tolerance bands around target (e.g., 60% ±5%)
- Consider tax-loss harvesting to offset rebalancing gains
- In tax-advantaged accounts, rebalancing has no tax cost