Rebalancing w/ a Spreadsheet

Spreadsheet Instructions

Blue fields in columns A through E are to insert your asset allocation percentages, consistent with your risk tolerance. I pre-filled these for someone who has $100,000 to invest and wants to implement the asset allocation in the chart on the Asset Allocation Basics page of this website. 

Black fields in columns A through E are calculated fields. These distribute the number you put in A3 throughout all the levels. 

Blue fields in column F are to insert your current holdings.

Black fields in Column G are calculated fields, showing you how close your actual allocation is to your target location for that particular asset class.

Black fields in Column H are calculated fields, indicating how many dollars need to move in or out of that asset class in order to reach your target allocation. 

The Totals Check (last line) is so you can easily see that things add up. Each of the numbers on this line should be the same as the number you put into cell A3. If not, go back and find your error. 

If you don't have $100,000 to invest, simply put 0% in the fields of those small columns. When your investments grow to where these numbers meet the minimums, you can put the percentages back in.

All the best, Tim