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Portfolio Asset Allocation Tool

Directions (See the Read Me sheet for more details) 35.0% Overall Asset Allocation
30.0%
Edit cells that are shaded in yellow or striped yellow to see resulting "Rebalancing Action." Values for the "Current Allocation"
25.0%
column come from Imported Data worksheet. (Note: The Detailed Asset Class names must match the names used in the
20.0% Target
Asset Class Info worksheet. Also, you can mouse over cells with red comment indicators to read comments.
15.0% Current
10.0%
Rebalancing Parameters Enter desired change in portfolio value 5.0%
0.0%
Trigger Factor: 10.0% Portfolio Value Change (optional) $0 Foreign US Hard US Bonds Foreign Cash
Adjustment Factor: 0.0% Equities Equities Assets Bonds

Detailed Asset Target Overall Major Asset Target Current Current Current Percent Rebalancing Adjusted Adjusted Adjusted
Class Percent Percent Class Amount Allocation Percent Overall Difference Action Allocation Percent Overall
Asian Stocks 9.00% ### Foreign Equities $9,000 $10,780 10.78% 31.0% +1.78% Remove $1,933 $8,848 8.85% 29.0%
European Stocks 12.00% Foreign Equities $12,000 $12,382 12.38% +0.38% $12,382 12.38%
Emerging Mkts 8.00% Foreign Equities $8,000 $7,812 7.81% -0.19% $7,812 7.81%
Lg Cap Growth 12.00% ### US Equities $12,000 $12,341 12.34% 26.7% +0.34% $12,341 12.34% 26.7%
Lg Cap Value 4.00% US Equities $4,000 $4,088 4.09% +0.09% $4,088 4.09%
Lg Cap Blend 0.00% US Equities $0 $0 0.00% +0.00% $0 0.00%
Mid Cap Growth 0.00% US Equities $0 $0 0.00% +0.00% $0 0.00%
Mid Cap Value 0.00% US Equities $0 $0 0.00% +0.00% $0 0.00%
Mid Cap Blend 5.00% US Equities $5,000 $5,026 5.03% +0.03% $5,026 5.03%
Sm Cap Growth 0.00% US Equities $0 $0 0.00% +0.00% $0 0.00%
Sm Cap Value 5.00% US Equities $5,000 $5,233 5.23% +0.23% $5,233 5.23%
Sm Cap Blend 0.00% US Equities $0 $0 0.00% +0.00% $0 0.00%
Micro Cap 0.00% US Equities $0 $0 0.00% +0.00% $0 0.00%
Gold 4.00% ### Hard Assets $4,000 $8,172 8.17% 13.7% +4.17% Remove $4,529 $3,643 3.64% 12.7%
Commodities 5.00% Hard Assets $5,000 $5,340 5.34% +0.34% $5,340 5.34%
REITs 4.00% Hard Assets $4,000 $207 0.21% -3.79% Add $3,468 $3,675 3.68%
Domestic Bonds 1.00% ### US Bonds $1,000 $3,846 3.85% 19.2% +2.85% Remove $3,090 $756 0.76% 19.7%
Municipal Bonds 11.00% US Bonds $11,000 $11,276 11.28% +0.28% $11,276 11.28%
Real Ret. Bonds 8.00% US Bonds $8,000 $4,097 4.10% -3.90% Add $3,569 $7,666 7.67%
Foreign Bonds 6.00% 6.0% Foreign Bonds $6,000 $6,244 6.24% 6.2% +0.24% $6,244 6.24% 6.2%
Cash 1.00% 6.0% Cash $1,000 $905 0.90% 3.2% -0.10% $905 0.90% 5.7%
Short Term CDs 5.00% Cash $5,000 $2,250 2.25% -2.75% Add $2,515 $4,765 4.76%
Total 100.00% 100,000 100,000 $100,000 100.00%

Adjusted Overall Allocation


Portfolio breakdown based on reaction to macroeconomic factors Foreign Equities US Equities
Inflation Breakdown Dollar Breakdown World GDP Breakdown Hard Assets US Bonds
Inflation Neutral 57.7% Dollar Neutral 22.4% GDP Neutral 8.2%
Foreign Bonds Cash
Favors Inflation 17.8% Favors Strength 26.7% Favors Growth 63.2%
Favors Deflation 24.5% Favors Weakness 50.9% Favors Slowdown 28.6%
100% 100% 100%
Economic Scenario Mod
Directions

Edit cells that are shaded in yellow or yellow stripes to set up each scenario and to see the effects on the portfolio. Values fo
(Note: The Detailed Asset Class names must match the names used in the Asset Class Info worksheet.)

Scenario 1: Global Hyper inflation

Detailed Asset Major Asset Current Current Current Weighted


Class Class Allocation Percent Overall % Change % Change $ Change
Asian Stocks Foreign Equities $10,780 10.78% 31.0% -20.00% -15.7% -2,156
European Stocks Foreign Equities $12,382 12.38% -6.00% -743
Emerging Mkts Foreign Equities $7,812 7.81% -25.00% -1,953
Lg Cap Growth US Equities $12,341 12.34% 26.7% -20.00% -20.0% -2,468
Lg Cap Value US Equities $4,088 4.09% -20.00% -818
Lg Cap Blend US Equities $0 0.00% -20.00% 0
Mid Cap Growth US Equities $0 0.00% -20.00% 0
Mid Cap Value US Equities $0 0.00% -20.00% 0
Mid Cap Blend US Equities $5,026 5.03% -20.00% -1,005
Sm Cap Growth US Equities $0 0.00% -20.00% 0
Sm Cap Value US Equities $5,233 5.23% -20.00% -1,047
Sm Cap Blend US Equities $0 0.00% -20.00% 0
Micro Cap US Equities $0 0.00% -20.00% 0
Gold Hard Assets $8,172 8.17% 13.7% +100.00% 75.3% 8,172
Commodities Hard Assets $5,340 5.34% +40.00% 2,136
Energy Hard Assets $0 0.00% +40.00% 0
Timber Hard Assets $0 0.00% +40.00% 0
REITs Hard Assets $207 0.21% +10.00% 21
Domestic Bonds US Bonds $3,846 3.85% 19.2% -12.00% -8.7% -462
Municipal Bonds US Bonds $11,276 11.28% -9.00% -1,015
Real Ret. Bonds US Bonds $4,097 4.10% -5.00% -205
Foreign Bonds Foreign Bonds $6,244 6.24% 6.2% -15.00% -15.0% -937
Cash Cash $905 0.90% 3.2% +0.00% 0.0% 0
Short Term CDs Cash $2,250 2.25% +0.00% 0
Total 100,000 -2.5% -2,479
nomic Scenario Modeling

s on the portfolio. Values for the "Current Allocation" column come from Imported Data worksheet.
sheet.)

bal Hyper inflation Scenario 2: 40% Dollar Crash Scenario 3: Global Flu Pandemic

Ending Weighted Ending Weighted Ending


Value % Change % Change $ Change Value % Change % Change $ Change Value
$8,624 +9.00% 11.9% $970 $11,750 -25.00% -32.4% -$2,695 $8,085
$11,639 +25.00% $3,095 $15,477 -15.00% -$1,857 $10,525
$5,859 -5.00% -$391 $7,422 -70.00% -$5,469 $2,344
$9,873 -5.00% -12.5% -$617 $11,724 -20.00% -21.9% -$2,468 $9,873
$3,271 -10.00% -$409 $3,680 -20.00% -$818 $3,271
$0 -20.00% $0 $0 -25.00% $0 $0
$0 -20.00% $0 $0 -25.00% $0 $0
$0 -20.00% $0 $0 -25.00% $0 $0
$4,021 -20.00% -$1,005 $4,021 -25.00% -$1,257 $3,770
$0 -25.00% $0 $0 -30.00% $0 $0
$4,186 -25.00% -$1,308 $3,924 -25.00% -$1,308 $3,924
$0 -25.00% $0 $0 -25.00% $0 $0
$0 -25.00% $0 $0 -25.00% $0 $0
$16,343 +70.00% 51.6% $5,720 $13,892 +100.00% 67.4% $8,172 $16,343
$7,475 +25.00% $1,335 $6,674 +20.00% $1,068 $6,407
$0 +25.00% $0 $0 +20.00% $0 $0
$0 +25.00% $0 $0 +20.00% $0 $0
$228 +10.00% $21 $228 +0.00% $0 $207
$3,385 -10.00% -2.0% -$385 $3,462 +5.00% 5.2% $192 $4,039
$10,261 +0.00% $0 $11,276 +5.00% $564 $11,840
$3,892 +0.00% $0 $4,097 +6.00% $246 $4,343
$5,307 +20.00% 20.0% $1,249 $7,493 +5.00% 5.0% $312 $6,556
$905 +0.00% 0.0% $0 $905 +0.00% 0.0% $0 $905
$2,250 +0.00% $0 $2,250 +0.00% $0 $2,250
$97,521 8.3% $8,276 $108,276 -5.3% -$5,318 $94,682
Detailed Asset Class Table
Major Asset Total Allocation
Detailed Asset Class Class (from Import) % Inflation Performance Dollar Performance GDP Performance
Asian Stocks Foreign Equities $10,780 10.8% Inflation Neutral Favors Weakness Favors Growth
European Stocks Foreign Equities $12,382 12.4% Inflation Neutral Favors Weakness Favors Growth
Emerging Mkts Foreign Equities $7,812 7.8% Inflation Neutral Favors Weakness Favors Growth
Lg Cap Growth US Equities $12,341 12.3% Inflation Neutral Favors Strength Favors Growth
Lg Cap Value US Equities $4,088 4.1% Inflation Neutral Favors Strength Favors Growth
Lg Cap Blend US Equities $0 0.0% Inflation Neutral Favors Strength Favors Growth
Mid Cap Growth US Equities $0 0.0% Inflation Neutral Favors Strength Favors Growth
Mid Cap Value US Equities $0 0.0% Inflation Neutral Favors Strength Favors Growth
Mid Cap Blend US Equities $5,026 5.0% Inflation Neutral Favors Strength Favors Growth
Sm Cap Growth US Equities $0 0.0% Inflation Neutral Favors Strength Favors Growth
Sm Cap Value US Equities $5,233 5.2% Inflation Neutral Favors Strength Favors Growth
Sm Cap Blend US Equities $0 0.0% Inflation Neutral Favors Strength Favors Growth
Micro Cap US Equities $0 0.0% Inflation Neutral Favors Strength Favors Growth
Gold Hard Assets $8,172 8.2% Favors Inflation Favors Weakness GDP Neutral
Commodities Hard Assets $5,340 5.3% Favors Inflation Favors Weakness Favors Growth
Energy Hard Assets $0 0.0% Favors Inflation Favors Weakness Favors Growth
Timber Hard Assets $0 0.0% Favors Inflation Favors Weakness Favors Growth
REITs Hard Assets $207 0.2% Favors Inflation Favors Weakness Favors Growth
Domestic Bonds US Bonds $3,846 3.8% Favors Deflation Dollar Neutral Favors Slowdown
Municipal Bonds US Bonds $11,276 11.3% Favors Deflation Dollar Neutral Favors Slowdown
Real Ret. Bonds US Bonds $4,097 4.1% Favors Inflation Dollar Neutral Favors Slowdown
Foreign Bonds Foreign Bonds $6,244 6.2% Favors Deflation Favors Weakness Favors Slowdown
Cash Cash $905 0.9% Favors Deflation Dollar Neutral Favors Slowdown
Short Term CDs Cash $2,250 2.3% Favors Deflation Dollar Neutral Favors Slowdown
$100,000 100.0%

Major Asset Class Table Allocation Percent Target Portfolio breakdown based on reaction to macroeconomic factors
Foreign Equities $30,975 31.0% 29.0% Inflation Breakdown Dollar Breakdown World GDP Breakdown
US Equities $26,689 26.7% 26.0% Inflation Neutral 57.7% Dollar Neutral 22.4% GDP Neutral 8.2%
Hard Assets $13,719 13.7% 13.0% Favors Inflation 17.8% Favors Strength 26.7% Favors Growth 63.2%
US Bonds $19,220 19.2% 20.0% Favors Deflation 24.5% Favors Weakness 50.9% Favors Slowdown 28.6%
Foreign Bonds $6,244 6.2% 6.0% 100% 100% 100%
Cash $3,155 3.2% 6.0%
$100,000 100.0% 100.0%

Portfolio Total: $100,000 Imported Portfolio Total: $100,000


Security Table Number of Securities: 18 Imported Security Count: 18
Current Value Total
Security Name
(from Import)
Asset Class 1 % Asset Class 2 % Asset Class 3 % Asset Class 4 % Percent
American Century Intl Bond $6,244 Foreign Bonds 100% 0% 0% 0% 100%
CD (6 month) $2,250 Short Term CDs 100% 0% 0% 0% 100%
Precious Metals Fund $2,817 Gold 100% 0% 0% 0% 100%
Municipal Bond Fund $11,276 Municipal Bonds 100% 0% 0% 0% 100%
Oakmark Fund $3,636 Lg Cap Value 100% 0% 0% 0% 100%
PIMCO Commodity Real Return $5,340 Commodities 100% 0% 0% 0% 100%
StreetTracks Gold $5,355 Gold 100% 0% 0% 0% 100%
Van Growth Index $12,341 Lg Cap Growth 100% 0% 0% 0% 100%
Van Intntl Index - Emerg. Mkt $7,812 Emerging Mkts 100% 0% 0% 0% 100%
Van Intntl Index - European $12,382 European Stocks 100% 0% 0% 0% 100%
Van Intntl Index - Pacific Rim $10,780 Asian Stocks 100% 0% 0% 0% 100%
Van Midcap Index $5,026 Mid Cap Blend 100% 0% 0% 0% 100%
Van REIT Index $207 REITs 100% 0% 0% 0% 100%
Van TIPS $4,097 Real Ret. Bonds 100% 0% 0% 0% 100%
Van Total Bond Index $3,846 Domestic Bonds 100% 0% 0% 0% 100%
Van Value Index $452 Lg Cap Value 100% 0% 0% 0% 100%
Vanguard Sm Value Idx $5,233 Sm Cap Value 100% 0% 0% 0% 100%
-Cash- $905 Cash 100% 0% 0% 0% 100%
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Directions:

To populate this sheet with Quicken data, create a Portfolio Value and Cost Basis Report in Quicken. Select the Export-
A4 below and paste the data from the Quicken report into this sheet. Do not insert or remove rows from this sheet or the na
the Quicken report to import data from other software packages.

Cost Basis from Quicken Current Value from Quicken

American Century Intl Bond 4,949.07 6,244.05


CD (6 month) 2,250.00 2,250.00
Precious Metals Fund 1,514.21 2,816.62
Municipal Bond Fund 9,819.48 11,276.34
Oakmark Fund 2,483.75 3,635.99
PIMCO Commodity Real Return 6,245.18 5,339.55
StreetTracks Gold 4,502.39 5,355.00
Van Growth Index 11,004.18 12,341.22
Van Intntl Index - Emerg. Mkt 3,267.39 7,812.28
Van Intntl Index - European 8,915.62 12,381.96
Van Intntl Index - Pacific Rim 6,894.30 10,780.26
Van Midcap Index 3,820.32 5,026.16
Van REIT Index 134.41 207.37
Van TIPS 4,190.27 4,096.96
Van Total Bond Index 3,879.80 3,846.41
Van Value Index 446.55 452.49
Vanguard Sm Value Idx 3,238.31 5,232.64
-Cash- 904.70 904.70

------------ ------------
TOTAL Investments 78,459.93 100,000.00
cken. Select the Export->copy option at the top of the report to copy the report to the Windows Clipboard. Position the cursor on cell
s from this sheet or the name/amount extractions will fail. See the Read Me worksheet for complete instructions. You can also mimick
Clipboard. Position the cursor on cell
ete instructions. You can also mimick
THE DATA ON THIS SHEET IS AUTO-GENERATED FROM THE IMPORTED DATA S

First Data Column from Import Imported Security List


American Century Intl Bond American Century Intl Bond
CD (6 month) CD (6 month)
Precious Metals Fund Precious Metals Fund
Municipal Bond Fund Municipal Bond Fund
Oakmark Fund Oakmark Fund
PIMCO Commodity Real Return PIMCO Commodity Real Return
StreetTracks Gold StreetTracks Gold
Van Growth Index Van Growth Index
Van Intntl Index - Emerg. Mkt Van Intntl Index - Emerg. Mkt
Van Intntl Index - European Van Intntl Index - European
Van Intntl Index - Pacific Rim Van Intntl Index - Pacific Rim
Van Midcap Index Van Midcap Index
Van REIT Index Van REIT Index
Van TIPS Van TIPS
Van Total Bond Index Van Total Bond Index
Van Value Index Van Value Index
Vanguard Sm Value Idx Vanguard Sm Value Idx
-Cash- -Cash-
0
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TOTAL Investments TOTAL Investments
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ATED FROM THE IMPORTED DATA SHEET, DO NOT EDIT THIS SHEET!!!

Imported Security Balance Imported Column Offset: 0


6244.05
2250
2816.62
11276.34
3635.99
5339.55
5355
12341.22
7812.28
12381.96
10780.26
5026.16
207.37
4096.96
3846.41
452.49
5232.64
904.7

100000
Portfolio Asset Allocation Tool - Read Me
A tool by Random Walk Ventures, LLC. Contact: info@flexibleRetirementPlanner.com

The author makes no warranty about the accuracy of data and/or calculations presented in this workbook
If you find an error, make improvements, or have a question, please let me know.
This spreadsheet is free to use and distribute. All rights reserved by the author.

Good Luck!

This workbook helps automate the process of determining the current asset allocation of an investment po
actions are required to rebalance the portfolio to a user defined target allocation

The embedded portfolio rebalancing tools provided in the latest versions of Quicken and MS Money work reason
built in asset classes are adequate for your needs. Unfortunately, the built in classes are often fairly limited and
modified. Also, some securities are not correctly classified by these software packages. As a workaround, you c
the form of a list of securities and current balances for each security (for Quicken, use the Portfolio Cost Basis a
manage the security to asset class associations in this workbook.

Be sure to look for the "Comments" placed in various cells in this workbook. If you mouse-over a cell that
the comment will be displayed. Notice the small red triangle in the top right corner of the cell.

To import a Quicken portfolio and assign asset classes:

1) In Quicken, create a Portfolio Value and Cost Basis report. Be sure to include all accounts and securities
2) Select the import or copy option at the top of the Quicken report to copy the entire report to the Windows clip
Data" worksheet and paste the data from the Quicken report into this spreadsheet.
3) Go to the "Asset Class Info" worksheet and verify that the "Major Asset Class Table" on that sheet is suita
or add or remove items. Be sure to see the instructions on that table for help with adding or removing rows.
4) Also on the "Asset Class Info" sheet, verify that the "Detailed Asset Class Table" on that sheet is suitable f
or remove items. Again, be sure to see the instructions on that table for help with adding or removing rows from

5) Next, update the Security Table on the Asset Class Info worksheet with the information on the securities in
in this table to enter the name of a security in your portfolio, as well as asset class information. Each security c
columns for asset classes 7-10 are hidden to reduce clutter). You'll know you've set things up correctly if the Q
computed by adding up all the fractional acounts in the security table. HINT: You can copy and paste the securi

6) Select the "Rebalance" worksheet and verify the asset class names in the "Detailed Asset Class"
column against any changes you made to the "Detailed Asset Class" Table on the Asset Class Info
worksheet.
7) Now you can use the "Rebalance" worksheet to specify target allocations and see what actions are
needed to rebalance the portfolio

If you use another tool to manage your investments, you can easily import the data from that software into
needs a list of security names as well as a current balance for each security. If you are not importing from Q
entry as the last line of the security list that gives the total balance for the portfolio. Finally, the Cost Basis
ool - Read Me
tirementPlanner.com

ed in this workbook

t allocation of an investment portfolio as well as what


ation

cken and MS Money work reasonably well as long as the


asses are often fairly limited and usually they can't be
ackages. As a workaround, you can import your portfolio in
n, use the Portfolio Cost Basis and Value report) and

k. If you mouse-over a cell that contains a comment,


corner of the cell.

nclude all accounts and securities.


e entire report to the Windows clipboard. Next, select the purple cell on the "Imported
sheet.
Class Table" on that sheet is suitable for your needs. You can rename items in that table
with adding or removing rows.
s Table" on that sheet is suitable for your needs. You can rename items on that list or add
with adding or removing rows from this table.

he information on the securities in the portfolio you imported from Quicken. Use each row
class information. Each security can be allocated among up to 10 asset classes (the
've set things up correctly if the Quicken Import Total value equals the portfolio value that's
You can copy and paste the security names off the "Quicken Data" sheet .

he "Detailed Asset Class"


n the Asset Class Info

s and see what actions are

he data from that software into the "Imported Data" worksheet. This worksheet
. If you are not importing from Quicken, you need to create a special TOTAL Investments
ortfolio. Finally, the Cost Basis column is not used.
Portfolio Asset Allocation Tool - Version History

Version 1.10 (January 3, 2012

1) Fixed DIV0 error in 'fudge factor' column on main sheet (column S)

Version 1.9 (July 5, 2007)

1) Added logic on rebalance sheet to handle situation where ending portfolio value turns out
different from current value because rebalancing triggers are used

Version 1.8 (February 2, 2006)


1) Added lg cap, mid cap, and small cap blend, as well as microcap
2) Fixed conditional formatting bug (cell displayed yellow instead of purple) on scenario analysis
sheet
Version 1.7 (January 28, 2006)
1) Fixed formatting problem with scenario table on Scenario Analysis worksheet
Version 1.6 (January 23, 2006)
1) Fixed bug in calculation of scenario 2 ending value. Also reformatted column widths
Version 1.5 (January 21, 2006)
1) Moved macroeconomic Factors table to main rebalancing sheet
2) Added Pie graph on main rebalancing sheet to show overall adjusted asset classes.
3) On rebalancing sheet, adjusted formul to highlight adjusted portfolio balance if it differs from
current balance by more than 2%
4) Added new Scenario Analysis sheet to allow you to model effects of economic changes/events
on portfolio
5) Added Energy and MidCap Value asset classes

Version 1.3 (January 7, 2006)

1) Added column to asset class info for target allocation per major asset class. Also, changed the
graph on the Rebalancing sheet into bar graph to show target vs current
2) Toned down formatting by slimming table borders and changing bright yellow to light yellow and
some other formatting stuff
Version 1.2 (January 6, 2006)

1) Added new table on Asset Class Info sheet to show portfolio allocation based on expected
performance under various macroeconomic conditions.
2) Made some small updates to the ReadMe sheet and various comments
Version 1.1 (January 5, 2006)
1) Fixed problems with "Additional Investments on Rebalance sheet. Removed Additional
Investments row from rebalancing table
2) Fixed weird rounding bug in portfolio vs quicken total comparison. Error was shown incorrectly
when quicken portfolio total ended in even dollar amount but sum of securities was 1 penny
higher.
3) Fixed bug in formula in major asset class column on rebalance sheet
4) Reformatted overall percent calculation on rebalancing sheet so that lines between major asset
classes will auto-draw
5) Added overall add/remove action in totals area of rebalancing action column

Version 1.0 (January 5, 2006)

1) Fist versioned release. Based on earlier portfolio rebalancing tool that worked off security type
import from Quicken.
tory
This sheet contains some sample data that you can use in the "Quicken Data" Sheet to restore it to the original values. You ca
Quicken Data worksheet.

American Century Intl Bond 4,949.07 6,244.05


CD (6 month) 2,250.00 2,250.00
Precious Metals Fund 1,514.21 2,816.62
Municipal Bond Fund 9,819.48 11,276.34
Oakmark Fund 2,483.75 3,635.99
PIMCO Commodity Real Return 6,245.18 5,339.55
StreetTracks Gold 4,502.39 5,355.00
Van Growth Index 11,004.18 12,341.22
Van Intntl Index - Emerg. Mkt 3,267.39 7,812.28
Van Intntl Index - European 8,915.62 12,381.96
Van Intntl Index - Pacific Rim 6,894.30 10,780.26
Van Midcap Index 3,820.32 5,026.16
Van REIT Index 134.41 207.37
Van TIPS 4,190.27 4,096.96
Van Total Bond Index 3,879.80 3,846.41
Van Value Index 446.55 452.49
Vanguard Sm Value Idx 3,238.31 5,232.64
-Cash- 904.70 904.70

------------ ------------
TOTAL Investments 78,459.93 100,000.00
ore it to the original values. You can copy from Cells A2 to C22 to get simulated data to paste onto the