What an account does, on a sample portfolio
A free tool run answers one question once. An account keeps your portfolio as a plan and keeps checking it. Here is everything it produces, on one sample: a 60% VTI / 40% BND plan with a ±5pp range, worth $120,000, that has drifted to 68 / 32 after a stock run-up.
Each block below is produced by the same code your account runs. The check-in and the alert use fixed sample measurements, so they read the same for everyone; the sensitivity sweep runs live on current market data. Educational examples, not investment advice.
Every month (Free) or every week (Pro)
Your Portfolio Check-in
1 setting outside your range · 5 of 5 observations available.
1 setting outside your range (was 0). Biggest change: allocation vs your targets. (the weekly trend is part of Pro)
- outside your range
Allocation vs your targets
The largest holding is 8.0pp from its target, outside your ±5pp band.
- observation
Historical co-movement
Your holdings' average pairwise correlation is 0.25: they move fairly independently.
- observation
Ongoing fund costs
Weighted expense ratio 0.03% a year, across 100% of the portfolio by weight.
- within your range
Historical risk vs your risk band
Measured volatility 11.5% a year sits inside the 9 to 13% range for a Balanced profile.
- observation
Goal scenario
Your goal needs about 5.0% a year; this mix has historically returned around 5.5%. A modeled comparison under stated assumptions: past performance doesn't predict future results.
The check-in reports where the portfolio sits against the ranges its owner set. It grades nothing. Sample measurements: largest drift 8pp, average correlation 0.25, weighted expense ratio 0.03%, volatility 11.5% a year against a Balanced profile.
The day it happens
The drift alert email
You have new monitoring alerts: • Sample 60/40: BND is 8pp below its 40% target, outside your ±5pp band. 1 other holding is outside it too. Sample 60/40, where it sits now against your plan: Holding Current Target Difference Difference (USD) BND 32.0% 40.0% -8.0pp -9,600 VTI 68.0% 60.0% +8.0pp +9,600 This is an example calculation based on the targets you set, not investment advice or a recommendation. View them: /monitors Informed Portfolio (educational use only, not investment advice)
When you add money
Where the next deposit would go
A sample plan: 60% VTI / 40% BND with a ±5pp tolerance band, which has drifted to 68 / 32 after a stock run-up. Change the numbers and watch the split change.
Of 500, the largest share (500) goes to BND. BND, VTI stay outside the ±5pp band: a contribution can bring an underweight holding up, but it can't bring an overweight one down.
| Holding | Now | Target | Add | After |
|---|---|---|---|---|
| BNDstill outside the band | 32.0% | 40.0% | $500 | 32.3% |
| VTIstill outside the band | 68.0% | 60.0% | not available | 67.7% |
| Total | $500 |
$500 closes the gap back to your ±5pp bands; $0 spreads across your targets. This is an example calculation based on the targets you set, not investment advice or a recommendation.
This runs on sample numbers, free and with no account. Running it on your own portfolio and plan is part of Pro: see plans. A free account gets you the Plan itself, and a monthly Portfolio Check-in measured against it.
Before you trust a number
How much a result depends on one assumption
What a 0% to 1% fee does to $10,000 in a 60/40 portfolio since 2010
This is the real calculation on current data: the full backtest re-run once per fee level, with nothing else changed. With Pro you run it on your own portfolio, and sweep the fee, rebalancing cost, rebalancing frequency or start year.
Do this with your own portfolio
A free account keeps 1 portfolio as a plan with a monthly Check-in. Pro adds the weekly check-in and trend, alerts, the Contribution Coach and Sensitivity, free for 7 days with no card.