Asset Allocation Optimizer

Regular price $27.00

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Description

Build a Clearer Portfolio Mix With an Educational Asset Allocation Framework

Asset Allocation Optimizer is an official companion resource created to support, extend, and enhance the implementation of The Wealth Builder's Guide. This Excel workbook helps investors organize their risk profile, investment goals, current portfolio allocation, target allocation, and rebalancing priorities in one structured planning tool.

This workbook is designed for educational portfolio planning. Users can complete a risk and goals quiz, review a recommended investor profile, compare current holdings against target allocations, and use the dashboard to identify portfolio drift, priority areas, and possible rebalancing actions. It is not financial, investment, or tax advice, and it does not guarantee profit or protect against loss.

Includes a start-here guide explaining asset allocation and how to divide a portfolio across US stocks, international stocks, bonds, real estate, cash, and alternatives.
Provides a step-by-step workflow: complete the risk quiz, review the recommended profile, enter current holdings, review the rebalancing plan, and revisit allocations regularly.
Includes a risk scoring framework based on age, timeline, risk tolerance, investment goals, liquidity needs, and volatility comfort.
Shows four risk profiles: Conservative, Moderate, Growth, and Aggressive, with typical stock/bond ranges and best-fit investor situations.
Includes a Risk & Goals Quiz where users can enter age, years until primary goal, risk tolerance score, primary goal, liquidity needs, volatility comfort, current portfolio value, and monthly contribution amount.
Includes a Model Portfolio Engine that recommends a target mix across US stocks, international stocks, bonds, real estate, cash, and alternatives.
Provides example investment categories such as S&P 500 index funds, total US stock market ETFs, international funds, bond funds, REIT funds, money market funds, and commodity or alternative strategies.
Includes a Current Allocation Input sheet where users can enter current portfolio percentages, optional dollar values, and notes for each asset class.
Includes a Results Dashboard that compares target allocation vs. current allocation, shows drift, status, priority level, dollar-based rebalancing actions, and new contribution strategy.
Includes portfolio health metrics, a rebalancing checklist, and guidance on when to rebalance using calendar-based, threshold-based, or hybrid review methods.

Use this workbook to better understand your portfolio allocation, identify major allocation gaps, and create a more organized educational plan for reviewing and rebalancing your investments over time.

Digital Product Contents

Start Here
An educational guide explaining what asset allocation is and how it helps divide a portfolio across different asset categories based on goals, risk tolerance, and investment timeframe.

Asset Classes Covered
The workbook covers six main asset classes: US Stocks, International Stocks, Bonds, Real Estate, Cash, and Alternatives.

How This Tool Works
A step-by-step workflow explaining how to complete the Risk & Goals Quiz, review the recommended profile, enter current holdings, review the rebalancing plan, and implement regular review habits.

Risk Quiz Explanation
Explains that the risk score is based on weighted inputs including age, timeline, risk tolerance, investment goals, liquidity needs, and volatility comfort.

Four Risk Profiles
Includes profile guidance for Conservative, Moderate, Growth, and Aggressive investors, including risk level, typical stocks/bonds range, and best-fit use case.

Risk & Goals Quiz
An input sheet where users can enter personal timeline, age, years until primary goal, risk tolerance score, primary investment goal, liquidity needs, volatility comfort, current portfolio value, and monthly contribution amount.

Calculated Profile Results
The workbook calculates a risk score and recommended profile based on the user’s quiz responses.

Model Portfolio Engine
A target allocation engine that displays the user’s recommended portfolio mix across US Stocks, International Stocks, Bonds, Real Estate, Cash, and Alternatives.

Target Allocation Table
Includes allocation models for Conservative, Moderate, Growth, and Aggressive profiles, plus the user’s target percentage and rationale for each asset class.

Example Investment Categories
Provides educational examples only, including S&P 500 index funds, total US stock market ETFs, international funds, bond market funds, REIT funds, money market funds, treasury bills, gold ETFs, commodity funds, and alternative strategies.

Expected Characteristics
Shows expected characteristics for the selected profile, including expected annual return range, expected volatility range, and possible worst one-year historical loss range.

Current Allocation Input
A portfolio input sheet where users can enter their current allocation percentage, optional current dollar value, and notes for each asset class.

Allocation Validation
Includes a validation check to confirm whether the current allocation totals 100% and is ready for analysis.

Results Dashboard
A personalized rebalancing dashboard showing profile summary, risk score, target allocation, current allocation, drift, drift percentage, status, and priority level.

Rebalancing Settings
Includes a default rebalancing threshold and a tax-efficient method focused on using new contributions before selling existing positions.

Rebalancing Action Plan
Organizes rebalancing priorities into high, medium, and low/on-target categories based on allocation drift.

Dollar-Based Rebalancing
A dollar-based table showing current dollar amount, target dollar amount, buy/sell action, and amount for each asset class.

New Contribution Strategy
A contribution planning section designed to allocate new money toward underweight assets first, helping users rebalance more tax-efficiently.

Portfolio Health Metrics
Includes portfolio health indicators such as overall drift score, diversification score, rebalancing urgency, and maximum drift from target.

Action Checklist
A checklist for reviewing risk profile, verifying current allocation, prioritizing high-drift assets, using new contributions, considering taxes, rebalancing within tax-advantaged accounts first, setting review reminders, and documenting actions.

When to Rebalance Guide
Explains calendar-based rebalancing, threshold-based rebalancing, hybrid review methods, major life event triggers, significant market movement triggers, tax considerations, and cost considerations.

What You Will Receive

Please note that this is a digital product, so no physical product will be shipped to you.

Upon purchase, you will receive an email containing a secure download link to an Excel workbook consisting of approximately 5 worksheets.

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Refund Policy

Due to the digital nature of our products, all sales are final once access is delivered, unless otherwise stated. Once a purchase is completed and access is successfully provided, cancellations or exchanges will not be issued. We encourage customers to review all product descriptions carefully before purchasing. If you have any questions about a digital product, please contact us prior to completing your purchase, and we will be happy to assist. For additional details, please review our full Refund Policy here.

Disclaimer

CPI Digital Hub LLC provides educational tools, templates, and resources designed to support individuals in building and managing digital income strategies. All content is provided for informational and educational purposes only. Results are not guaranteed. Your success depends on many factors, including but not limited to your personal effort, skills, experience, market conditions, and commitment. These products are not a “get-rich-quick” scheme, and individual results will vary. CPI Digital Hub LLC makes no representations, warranties, or guarantees regarding income, profits, or financial outcomes. Nothing provided by CPI Digital Hub LLC should be construed as financial, legal, or tax advice.

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