Central Allocation

Your aggregated portfolio allocation across all asset classes

Total Allocated

0.0%

Expected Return

0.00%

Expected Volatility

0.00%

Sharpe Ratio

Assuming 2% risk-free rate

No Allocations Yet

Build your central allocation by adding positions from the individual builders: Equity Simulator, Bond Builder, REIT Builder, Commodities, and Cash.

Equities Bonds REITs Commodities Cash

Allocation Templates

Apply a proven portfolio strategy as your starting point

Classic 60/40

Moderate

Traditional balanced portfolio with 60% stocks and 40% bonds. Time-tested approach for moderate risk tolerance.

Return: 7.6%

Vol: 12.8%

All Weather

Moderate

Ray Dalio's risk parity approach designed to perform well across all economic environments.

Return: 6.3%

Vol: 9.5%

Permanent Portfolio

Conservative

Harry Browne's simple 4x25% allocation for long-term wealth preservation across all economic cycles.

Return: 6.0%

Vol: 8.5%

Growth Portfolio

Aggressive

Aggressive allocation focused on long-term capital appreciation. Higher risk, higher potential return.

Return: 9.3%

Vol: 18.2%

Income Focus

Conservative

Conservative allocation emphasizing income generation through bonds and dividend-paying assets.

Return: 5.7%

Vol: 8.2%

Aggressive Growth

Aggressive

Maximum growth potential with 100% equity allocation. Suitable for long time horizons only.

Return: 10.0%

Vol: 20.0%

Standard Consultant Portfolio

Moderate

Global institutional allocation with 30.8% private investments, 38.4% public equities, and diversified alternatives. Industry benchmark for pension and endowment portfolios.

Return: 8.9%

Vol: 14.2%

Historical Performance Backtest

See how allocation templates would have performed historically (2000-2023)

Period:

Custom:to

Classic 60/40
All Weather

Crisis Performance

2008 Financial Crisis

Classic 60/40-20.1%

All Weather-17.2%

COVID Crash (2020)

Classic 60/40+14.0%

All Weather+7.5%

2022 Bear Market

Classic 60/40-16.1%

All Weather-13.1%

What-If Scenario Tool

Simulate how different allocations affect portfolio risk and return

Asset Allocation

Total: 100%

Equities

Stocks and equity funds

60%

Bonds

Fixed income securities

30%

REITs

Real estate investment trusts

Commodities

Gold, oil, and other commodities

Cash

Money market and short-term bonds

Alternatives

Hedge funds, private equity

Expected Return

7.8%

Volatility

13.0%

Sharpe Ratio

0.44

Low risk-adjusted return

Scenario Comparison

Compare up to 4 saved scenarios side-by-side

Select Scenarios to Compare

No saved scenarios yet. Use the What-If tool to create and save scenarios.

Tax-Loss Harvesting Analysis

Identify opportunities to offset capital gains and reduce your tax burden

Federal Tax Bracket (%)

Harvest Threshold ($)

Include State Tax (5%)

Total Gains

$3,100

Total Losses

$4,780

Harvestable

$4,300

Tax Savings

$860

Gains & Losses by Asset Class

Harvesting Opportunities

3 positions

Position	Loss	Tax Savings	Type
BND Vanguard Total Bond	-$2,600	+$520	Long-term
VXUS Vanguard Intl Stock	-$1,050	+$210	Long-term
VNQ Vanguard Real Estate	-$650	+$130	Long-term

Tax Savings Breakdown

Short-term losses:$0

Short-term savings:$0

Long-term losses:$4,300

Long-term savings:$860

Note: Capital losses can offset capital gains dollar-for-dollar. Excess losses up to $3,000 can offset ordinary income annually. At current levels, it would take approximately 2 years to fully utilize these losses.

Rebalancing with Tax Efficiency

When harvesting losses, consider replacing sold positions with similar (but not substantially identical) investments to maintain your target allocation while avoiding wash sale rules.

VTI → ITOTTotal US Market

VXUS → IXUSInternational

BND → AGGTotal Bond

VNQ → IYRReal Estate

How to Add Allocations

Use the "Add to Allocation" button in each builder (Equity Simulator, Bond Builder, etc.) to add your configured positions to this central view. You can then adjust weights and see your complete portfolio allocation across all asset classes.