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investing investing investing investing investing investing wqertyetyuui, Essays (university) of Finance

Wells CollegeFinance

investing investing investing investing investing investing wqertyetyuui

Typology: Essays (university)

2018/2019

Uploaded on 06/17/2019

Khushroo
Khushroo 🇮🇳

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Portfolio Asset Allocation Tool
Directions (See the Read Me sheet for more details)
Rebalancing Parameters Enter desired change in portfolio value
Trigger Factor: 10.0% Portfolio Value Change (optional) $0
Adjustment Factor: 0.0%
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%
Portfolio breakdown based on reaction to macroeconomic factors
Inflation Breakdown Dollar Breakdown World GDP Breakdown
Inflation Neutral 57.7% Dollar Neutral 22.4% GDP Neutral 8.2%
Favors Inflation 17.8% Favors Strength 26.7% Favo rs Growth 63.2%
Favors Deflation 24.5% Favors Weakness 50.9%
Favors Slowdown
28.6%
100% 100% 100%
Edit cells that are shaded in yellow or striped yellow to see resulting "Rebalancing Action." Values for the "Current Allocat ion"
column come from Imported Data worksheet. (Note: The Detailed Asset Class names must match the names used in the
Asset Class Info worksheet. Also, you can mouse over cells with red comment indicators to read comments.
Detailed Asset
Class
Target
Percent
Overall
Percent
Major Asset
Class
Target
Amount
Current
Allocation
Current
Percent
Current
Overall
Percent
Difference
Rebalancing
Action
Adjusted
Allocation
Adjusted
Percent
Adjusted
Overall
Foreign
Equities
US
Equities
Hard
Assets
US Bonds Foreign
Bonds
Cash
0%
5%
10%
15%
20%
25%
30%
35% Over all Ass et Allocation
Target
Current
Adjusted Overall Allocation
Foreign Equities US Equities
Hard Assets US Bonds
Foreign Bonds Cash
pf3
pf4
pf5
pf8
pf9
pfa
pfd
pfe
pff
pf12
pf13
pf14
pf15
pf16
pf17
pf18
pf19
pf1a
pf1b
pf1c

Partial preview of the text

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Portfolio Asset Allocation Tool

Directions (See the Read Me sheet for more details) Rebalancing Parameters Enter desired change in portfolio value Trigger Factor: 10.0% Portfolio Value Change (optional) $ Adjustment Factor: 0.0% 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% Portfolio breakdown based on reaction to macroeconomic factors Inflation Breakdown Dollar Breakdown World GDP Breakdown Inflation Neutral 57.7% Dollar Neutral 22.4% GDP Neutral 8.2% 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% Edit cells that are shaded in yellow or striped yellow to see resulting "Rebalancing Action." Values for the "Current Allocation" column come from Imported Data worksheet. (Note: The Detailed Asset Class names must match the names used in the Asset Class Info worksheet. Also, you can mouse over cells with red comment indicators to read comments. Detailed Asset Class Target Percent Overall Percent Major Asset Class Target Amount Current Allocation Current Percent Current Overall Percent Difference Rebalancing Action Adjusted Allocation Adjusted Percent Adjusted Overall Foreign Equities US Equities Hard Assets US Bonds Foreign Bonds Cash 0% 5% 10% 15% 20% 25% 30% 35% (^) Overall Asset Allocation Target Current Adjusted Overall Allocation Foreign Equities US Equities Hard Assets US Bonds Foreign Bonds Cash

Economic Scenario M

Directions

Scenario 1: Global Hyper inflation

% Change

Asian Stocks Foreign Equities $10,780 10.78% 31.0% -20.00% -15.7%

European Stocks Foreign Equities $12,382 12.38% -6.00%

Emerging Mkts Foreign Equities $7,812 7.81% -25.00%

Lg Cap Growth US Equities $12,341 12.34% 26.7% -20.00% -20.0%

Lg Cap Value US Equities $4,088 4.09% -20.00%

Lg Cap Blend US Equities $0 0.00% -20.00%

Mid Cap Growth US Equities $0 0.00% -20.00%

Mid Cap Value US Equities $0 0.00% -20.00%

Mid Cap Blend US Equities $5,026 5.03% -20.00%

Sm Cap Growth US Equities $0 0.00% -20.00%

Sm Cap Value US Equities $5,233 5.23% -20.00%

Sm Cap Blend US Equities $0 0.00% -20.00%

Micro Cap US Equities $0 0.00% -20.00%

Gold Hard Assets $8,172 8.17% 13.7% +100.00% 75.3%

Commodities Hard Assets $5,340 5.34% +40.00%

Energy Hard Assets $0 0.00% +40.00%

Timber Hard Assets $0 0.00% +40.00%

REITs Hard Assets $207 0.21% +10.00%

Domestic Bonds US Bonds $3,846 3.85% 19.2% -12.00% -8.7%

Municipal Bonds US Bonds $11,276 11.28% -9.00%

Real Ret. Bonds US Bonds $4,097 4.10% -5.00%

Foreign Bonds Foreign Bonds $6,244 6.24% 6.2% -15.00% -15.0%

Cash Cash $905 0.90% 3.2% +0.00% 0.0%

Short Term CDs Cash $2,250 2.25% +0.00%

Total 100,000 -2.5%

Edit cells that are shaded in yellow or yellow stripes to set up each scenario and to see the effects on the portfolio. Value

(Note: The Detailed Asset Class names must match the names used in the Asset Class Info worksheet.)

Detailed Asset

Class

Major Asset

Class

Current

Allocation

Current

Percent

Current

Overall

Weighted

% Change

Global Flu Pandemic

Ending

Detailed Asset Class Table

Detailed Asset Class %^ 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% Security Table Portfolio Total: $100,000 Imported Portfolio Total: $100, Number of Securities: 18 Imported Security Count: 18

Security Name Asset Class 1 % Asset Class 2 % Asset Class 3 % Asset Class 4 %

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% Major Asset Class Total Allocation (from Import) Current Value (from Import) Total Percent

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

Clipboard. Position the cursor on cell

ete instructions. You can also

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-

TOTAL Investments TOTAL Investments

Portfolio Asset Allocation Tool - Read Me

A tool by Random Walk Ventures, LLC.

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!

To import a Quicken portfolio and assign asset classes:

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

Contact: info@flexibleRetirementPlanner.com

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.

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 cli

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 suit

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

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

that's computed by adding up all the fractional acounts in the security table. HINT: You can copy and paste the

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

entry as the last line of the security list that gives the total balance for the portfolio. Finally, the Cost Basis