Portfolio builder
Sort your holdings into asset classes and set target shares — see how the portfolio is really split and where it has drifted from the plan
Portfolio value
1 000 000,00 ₽
3 assets · 3 classes
Largest class
Stocks
70% of the portfolio
Drift from the plan
10 pp
widest — Stocks
Portfolio structure
- Stocks70%
- Bonds20%
- Cash10%
Allocation by asset class
Actual shares come from the portfolio value, so they always add up to 100%. Target shares are yours to set — they should add up to 100% too. A drift beyond 5 pp is highlighted: that is the usual threshold at which a class is brought back to its target share.
Reference block: the method, a worked example and answers to common questions. It does not affect the calculation above.
How it is calculated
- Each asset on the list carries three things: a class (stocks, bonds, cash, real estate, gold or other), its current value and its target share in the plan. Assets of one class add into a slice by exact summation.
- A class’s actual share is its value against the whole portfolio: share = class sum / total * 100. The deviation is the actual share minus the target, in percentage points; it is taken from the unrounded share, so a rounding artefact never reads as a drift.
- The plan itself is checked too: do the target shares add up to 100%? Shortfall and excess are flagged — a plan whose shares sum to 90% is under-allocated, and comparing facts against it is premature.
- A class with money but no target, and a class with a target but no money, both stay in the table: the plan’s biggest hole is the class you hold nothing of, and hiding it would defeat the point. The largest class is shown as the concentration measure.
Worked example
The figures the page opens with: 700 000 ₽ of stocks at a 60% target, 200 000 ₽ of bonds at 30% and 100 000 ₽ of cash at 10% — a million-ruble portfolio with a plan that sums to exactly 100%.
The actual split is 70 / 20 / 10: stocks are overweight by 10 percentage points, bonds underweight by the same, cash right on target. The widest deviation is in stocks — selling some of them for bonds is what would bring the portfolio back to plan.
Frequently asked questions
Why does a portfolio need target shares?
Shares are your written attitude to risk: how much rides growth (stocks), how much stability (bonds), how much stays liquid. Without a plan the portfolio drifts with the market: winners swell and the risk quietly changes. A plan turns the drift into a visible number.
What is rebalancing and when should I do it?
Returning the actual shares to the targets: sell the overweight, buy the underweight — or steer new contributions into the lagging classes, with no sales and no tax. The usual cadence is every six to twelve months, or when a deviation exceeds 5 percentage points.
Which target shares should I pick?
The classic: the longer the horizon, the more stocks — say 60/30/10 for decades out, 40/50/10 nearer the goal. The right answer depends on your tolerance for drawdowns; the calculator does not prescribe shares — it shows how far you are from your own.
Does it compute returns and risk?
No — it is a snapshot of structure, not a forecast. Regular investing is modelled by the “DCA calculator”, capital growth towards a goal by “FIRE”, and dividend holdings by “Dividends and bonds”.
Should I enter assets one by one or as classes?
Whichever is handier: each security as its own named row, or a whole class as one sum. The slices roll up by class, so the totals agree; separate rows help when you want each position’s contribution visible.
Is a 10-point drift a lot?
It is noticeable: a tenth of the portfolio sits where your plan did not want it. The practical tolerance is around 5 points; beyond it a rebalance usually justifies its costs. The threshold, though, is also your call.
Where do currencies, funds and crypto belong?
By the asset’s behaviour: currency on accounts is cash, a stock fund is stocks, a bond fund is bonds, gold and metals are gold, crypto and other exotics go to “other”. The class describes how the asset behaves in a crisis, not which venue it was bought on.