Portfolio Rebalance Advisor
Drop in your current holdings and target allocation — get the exact buy/sell list, tax-loss opportunities, and drift alert.
Before & after
Same prompt, same agent — the only difference is the skill.
That's a good instinct to rebalance. The basic idea is to sell what's gone up and buy what hasn't so you stay on target. Do you have a specific target allocation in mind? And what's in your portfolio — stocks, bonds, other things? Also, are these taxable accounts or retirement accounts? That matters because selling in taxable accounts triggers capital gains. Once I know those details, I can give you some guidance.
REBALANCE PLAN (Illustration Only; Not Investment Advice) CURRENT vs TARGET: Asset Class | Current | Target | Drift | Action US Stocks | 62% | 55% | +7% | SELL 7000 Intl Stocks | 18% | 20% | -2% | BUY 2000 Bonds | 15% | 20% | -5% | BUY 5000 Cash | 5% | 5% | — | HOLD TOTAL PORTFOLIO: 100K EXECUTION PLAN: STEP 1: Identify tax lots for the 7K US stock sale → 3000 shares bought 2023 at 22 (gain: 10K unrealized) → 2000 shares bought 2024 at 28 (gain: 4K unrealized) → 1000 shares bought 2025 at 35 (gain: 0 unrealized) TAX-LOSS OPPORTUNITY: Sell the 2024 lot (2000 shares): triggers 4K GAIN But also realize 2K loss from older position (sell underperformer) Net gain: 2K Tax impact: 2K × 25% (cap gains rate) = 500 tax cost STEP 2: What to buy Intl: Add 2K to emerging-market index (correlation 0.6 to US stocks) Bonds: Add 5K to intermediate-term Treasury ladder (lowers portfolio volatility) STEP 3: Check correlation Don't swap VOO for SCHX (they're 99% correlated, not diversifying) → Confirm: Your international holding has 0.6-0.7 correlation to US (✓ good) FINAL CHECK: Rebalance cost: 500 in taxes Benefit: Cuts portfolio volatility by 2%, targets allocation Frequency: Do this quarterly or when drift hits 5% READY TO EXECUTE: Yes. Use your broker's lot-level tracking to pick the right shares to sell.
About this skill
The Portfolio Rebalance Advisor takes the annoying math out of staying on target. Paste your current holdings (tickers + weights, or a CSV) and your target allocation. You get back a rebalance plan: what to sell, what to buy, and how much, with a note on which lots would trigger short-term gains.
It looks at correlation before it recommends a sale — no swapping VOO for SCHX and calling it diversified. It surfaces tax-loss opportunities by tax lot when the data supports it, and it never touches the money it doesn't need to.
The output is a plain-English recap plus a machine-readable table so you can execute the trades in your broker of choice without rebuilding the plan by hand.
Best for DIY investors who rebalance quarterly and want a second opinion on the mechanics — and for finance creators showing viewers a repeatable process.
SKILL.md preview
---
name: portfolio-rebalance-advisor
description: Use this skill when a user provides current holdings and a target allocation and needs the exact buy and sell list to get back on target, including tax-loss opportunities and drift flags.
version: 1.0.0
category: Finance
author: AgentVolt
license: proprietary
tags:
- finance
- investing
- portfolio
- rebalance
- allocation
---
# Portfolio Rebalance Advisor
Turns current holdings and a target allocation into a concrete rebalance plan: what to sell, what to buy, and which lots trigger short-term gains.
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