INDEPENDENT FINANCIAL RESEARCH US • ENGLISH

Wealth Management

Use Wealth Management as a framework for diversification and portfolio review. Enter three holding groups and desired percentages to calculate a simple rebalance illustration; it is not a personalized allocation recommendation.

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SCENARIO / USER-DEFINED INPUTS

Three-bucket allocation rebalance

Manual model · No live quote

Calculate changes required to reach target asset percentages, ignoring taxes, market moves and transaction costs.

Current stocks value ($) Current bonds value ($) Current cash value ($) Target stocks (%) Target bonds (%) Target cash (%)

Try Three-bucket allocation rebalance

Scenario outputs only. This form does not obtain live quotes, current ETF holdings or analyst ratings.

RESEARCH NOTES / 02

Look at the evidence

Determine time horizon and ability to tolerate losses.

Measure the drivers

Measure concentration across asset categories.

Account for uncertainty

Account for taxes and costs before changing holdings.