Portfolio Drift Rebalancer

Table of Contents

• Overview
• Input contract
• Workflow
• Tax-efficient rebalancing logic
• Output contract
• Guardrails

Overview

The household typically holds investments across three account types: a taxable brokerage (e.g., Fidelity), a 401k, and an HSA's invested portion. A target allocation is defined at the household level (e.g., 55/20/20/5 US/intl/bonds/cash). This skill rolls up current allocation across all three accounts, computes the drift from target, and proposes specific buys and sells to restore target — preferring trades inside tax-advantaged accounts (401k, HSA) where realized gains have no tax consequence.

It never executes trades. It produces a proposal for the user.

Input contract

The caller provides: