Portfolio desk · risk, models, rebalancing
What the money should own, and what it actually owns
Score the risk tolerance, match a model portfolio, then compare it with the real holdings in the account ledger. Drift outside a 5-point band becomes a trade list, and losses in taxable accounts become harvesting candidates priced at this household's marginal rate.
Step 01 — Risk questionnaire
Eight questions, one score
0
0/8 answered — provisional
When do you expect to start drawing on this money?
Your portfolio falls 25% in six months. You…
How much investing experience do you have?
How stable is your household income?
How many months of expenses sit in cash today?
Which matters more over the next decade?
The largest one-year loss you could accept without changing plan:
Who else relies on this portfolio?
Step 02 — Model portfolio
Matched: Capital preservation (20/60/20 · 0.06% blended expense ratio)
Short horizon or a low tolerance for drawdown. Income first, growth incidental.
VTI
US total market
12%
US equity
VXUS
International equity
8%
Intl equity
BND
US aggregate bond
45%
US bonds
VTIP
Short TIPS
15%
Inflation-linked
CASH
High-yield cash
20%
Cash
Step 03 — Drift & rebalancing
No holdings entered yet
Add holdings in the account ledger and the drift, trades and harvesting candidates fill in here.
Step 04 — Tax-loss harvesting
No harvestable losses on the ledger
Positions held below cost by more than $200 appear here with a replacement fund and the wash-sale window.