Wallet rebalancing

The Wallet → Rebalance page compares your current allocation with your target allocation by asset class and shows what to buy or sell to get back on plan.

The motivation: every portfolio drifts over time. If you decided to hold 60% stocks and 40% fixed income, a few months of a bull run can push stocks to 70% without you doing anything. Rebalancing brings the mix back to your original plan — trimming the part that grew past target and topping up the part that fell behind.

Setting target weights

In the Target weights card:

1. On each row, pick the class from the dropdown. The options come from the asset classes already present in your wallet — derived automatically from the Wallet by class table in the consolidated view, no typing required.
2. In the weight field, type any number — the scale is up to you. If you want "1 part bonds for every 2 parts stocks", type 1 and 2. If you prefer percentages, type 33 and 67. The result is identical.
3. Right below each weight you'll see the actual proportion it'll occupy (≈ 33.3%, ≈ 66.7%).
4. Add class opens a new row; the trash icon removes one. Each class can only be picked once.
5. Click Save targets when you're happy.

The math is simple: each weight becomes weight ÷ total_sum × 100. It doesn't matter if the sum is 10, 100, or 1,000 — what counts is the ratio between them.

If your wallet has no imported assets yet, the dropdown will be empty — import transactions in Uploads first.

Reading the class comparison

The Class comparison table has one row per class, with:

• Current ($) and Current (%) — what you hold today, in value and as a share of the wallet.
• Target (%) — the weight you set above.
• Deviation (%) — current minus target. Positive = over target; negative = under.
• Target ($) — what the class would be worth if it sat exactly on target (derived from the total wallet value).
• Deviation ($) — the amount of money that has to flow in or out to close the gap.
• Action:
  • SELL — class is above target, suggested trim.
  • BUY — class is below target, suggested buy.
  • HOLD — deviation is within the tolerance band, nothing to do.

Per-asset suggestions

The Per-asset suggestions table breaks the class-level action down into individual tickers — useful when you need to pick which name to buy or sell inside a class.

Each row shows:

• Current value ($) — what you hold in that ticker today.
• Delta ($) — money in (+) or out (−) to align the class.
• Price — last known close (yfinance / B3).
• Estimated qty — delta ÷ price, rounded, as a practical order size.

KPIs at the top

• Total portfolio — basis for the target math.
• Alignment — how close you are to the target allocation, as a single 0-100% score. 100 = perfectly aligned.
• Turnover — sum of the absolute deviations. The amount of money that would need to move to close every gap.
• Classes out of target — how many classes are above the tolerance band.
• Most overweight / Most underweight — quick pointers for where to look first.

Important caveats

• The actions are mechanical suggestions. They don't model capital gains tax (15%/20% on stocks, 22.5%-15% on fixed income), lot constraints (B3 stocks trade in 100-share lots before becoming fractional), or brokerage fees.
• Brazilian REIT (FII) sales are tax-free only up to BRL 20k/month — anything above is taxed at 20%.
• Estimated qty is rounded and ignores lot multiples — double-check before placing the order.
• Prices are last-close. On high-volatility days the real delta when you actually execute can drift meaningfully from what's shown here.

Open in the app