Asset Allocation
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The Retirement Manifesto Guide To Asset Allocation
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As outlined in "How To Achieve Your Targeted Asset Allocation", this workbook is intended to be used once
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per year to monitor your Asset Allocation, and determine what changes are required to keep you on track.
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IMPORTANT:
To use this spreadsheet, you must FIRST save a copy for your personal
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use. To do this, simply click "File", then "Make A Copy". Alternatively, you
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can do File/Download As Excel if you'd prefer to work in Excel.
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Step 1: Determine Your Targeted Asset Allocation
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Fill in the yellow boxes, taking into consideration your risk tolerance, risk capacity, time frame, and required returns.
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Green boxes will calculate automatically, do not modify anything except the yellow boxes.
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Cash10%CashSimplified View
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International Bonds10%40%Cash/Bonds
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US Bonds20%50%Stocks
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Total Bonds30%Bonds10%Alts
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International Stocks20%
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US Stocks30%
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Total Stocks50%Stocks
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Alternatives10%Alts
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Total Portfolio100%
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Step 2: Input your Actual Asset Allocation
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Fill in the yellow boxes with your total portfolio value, and asset allocation percentages from your Personal Capital Asset Allocation dashboard:
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%
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Cash11.24%
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International Bonds5.20%
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US Bonds31.52%
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International Stocks17.72%
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US Stocks28.06%
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Alternatives6.26%
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Total Porfolio:100%
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Enter Your Total Portfolio Value Here:
$1,000,000
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Step 3: Compare Your Actual vs. Target Asset Allocation
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This section will automatically calculate based on your inputs above. MAKE NO ENTRIES IN THIS SECTION
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Targeted Allocation
Actual Allocation
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%$%$
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Cash10%$100,00011.24%$112,400
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International Bonds10%$100,0005.20%$52,000
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US Bonds20%$200,00031.52%$315,200
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International Stocks20%$200,00017.72%$177,200
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US Stocks30%$300,00028.06%$280,600
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Alternatives10%$100,0006.26%$62,600
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Total Porfolio:100%$1,000,000100%$1,000,000
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Step 4: Quantify Adjustments Needed By Asset Class
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This section will automatically calculate based on your inputs above. MAKE NO ENTRIES IN THIS SECTION
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A "Negative" value means you have "too much" in this asset class.
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A "Positive" value means you need to add more to this asset class.
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Adjustment Required
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%$
Add Personal Notes Here
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Cash-1.2%-$12,400
Move $12k of cash to Alternatives
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International Bonds4.8%$48,000
Move $48k of US Bonds to Int'l Bonds
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US Bonds-11.5%-$115,200
Move $67k to Stocks / Alternatives
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International Stocks2.3%$22,800
Move $23k from US Bonds
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US Stocks1.9%$19,400
Move $19k from US Bonds
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Alternatives3.7%$37,400
Move $12k from Cash, $25k from US Bonds
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Total Porfolio:0%$1,000,000
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