AlgovestIQPortfolio weights
Enter what each holding and your cash are worth today and the weight you want for each. You get current and target weights, target dollar amounts, how much to buy or sell of each holding, and a check that the trades reconcile with your cash.
Free calculator
| Holding | Current | Current % | Target % | Target $ | Buy or sell |
|---|---|---|---|---|---|
| US stocks | $55,000 | 55% | 55% | $55,000 | No change |
| International stock ETF | $15,000 | 15% | 20% | $20,000 | Buy $5,000 |
| Bond ETF | $25,000 | 25% | 20% | $20,000 | Sell $5,000 |
| Cash | $5,000 | 5% | 5% | $5,000 | No change |
| Total | $100,000 | 100% | 100% | $100,000 |
Buys minus sells equals the change in cash ($5,000 to $5,000), so every dollar is accounted for. A negative figure means sales add to cash.
Percent of portfolio value, cash included.
Portfolio value = sum of current holdings + current cash
Target value = portfolio value x target weight
Buy or sell = target value - current value
Total buys - total sells = current cash - target cash
The calculator adds up your holdings and cash to get the portfolio value, then turns each target weight into a target dollar amount. The gap between target and current value is the buy or sell for that holding. Targets that do not add to 100% are rejected rather than rescaled, so the amounts always reflect the weights you typed. Return and volatility assumptions are optional and sit in an advanced section; they never change the trades.
Portfolio value = sum of current holdings + current cash
Current weight = current value / portfolio value
Target value = portfolio value x target weight
Buy or sell = target value - current value
Total buys - total sells = current cash - target cash
A $100,000 portfolio holds $55,000 in a US stock fund, $15,000 in an international stock ETF, $25,000 in a bond ETF and $5,000 in cash. With targets of 55%, 20%, 20% and 5%, the dollar targets are $55,000, $20,000, $20,000 and $5,000.
The international ETF is at 15% against a 20% target, so the plan buys $20,000 - $15,000 = $5,000 of it, and sells $5,000 of the bond ETF. Total buys minus total sells is $0, matching cash that stays at $5,000. This mix is an illustration to edit, not a recommendation.
Move from manual target weights to optimized risk-return allocation proposals.
Open optimizerReview practical allocation rules for diversification, risk control and rebalancing.
Read guideCompare example portfolios before choosing a target mix.
Browse examplesRelated tools are selected for the portfolio allocation calculator workflow.
Turn the mix's return and volatility into return per unit of risk.
Calculate Sharpe ratioCheck how deep a decline the mix could face and the recovery it needs.
Calculate drawdownTranslate a single idea into shares and dollars at risk.
Size a positionIt compares what each holding is worth now with the weight you want it to have, and shows the dollar amount to buy or sell of each so the portfolio matches your targets. It also checks that the trades reconcile with your cash.
The calculator shows the total and how far it is from 100%, and withholds the buy and sell amounts until holdings plus cash target exactly 100%. It does not rescale your weights, so every amount reflects the targets you typed.
Each target dollar value is the portfolio value times the target weight. The trade is target value minus current value: positive is a buy, negative is a sell. With a $100,000 portfolio, a 20% target and $15,000 held, the buy is $5,000.
Because the portfolio value is holdings plus cash, total buys minus total sells always equals the change in cash. If you hold $20,000 in cash and target $5,000, the plan buys $15,000 more than it sells.
No. They are scenario outputs from the return, volatility and correlation assumptions you enter in the advanced section, and they do not affect the rebalance amounts.