Financial Planning Utilities
Useful tools for the self-directed individual investor.
The article Asset Allocation and Portfolio Rebalancing is an extensive description of how the individual investor should build and manage their own portfolio.
The article refers to a number of online spreadsheets that can be used in this process.
Portfolio Rebalancing
- Rebalancing Spreadsheet
This spreadsheet contains all the securities in the model portfolio
- 1. Enter the allocation percentages
- 2. Enter the value of each position
- 3. Enter the prices
- Ask to buy
- Bid to sell
- Rebalance with the Fewest Securities For the investor who wants to maintain the fewest securities and also for the investor with a complex portfolio who wants to rebalance based on broad asset classes rather than security by security.
Where to put your cash
- Money Market Choices
A list of choices for your cash
- - Muni-State funds are generally exempt from both Federal and State taxes
- - Muni-Non-State funds are not specific to a particular state so they are exempt
from Federal but not necessarily from State taxes
- - Government bonds are usually exempt from State taxes
- - Taxable funds are subject to both Federal and State taxes
- - Muni-State funds are generally exempt from both Federal and State taxes
- Muni, Government or Taxable?
Your tax rates determine whether you are better off, after tax, putting you money into taxable or tax-free funds.
Using the yields you found in "Money Market Choices", above, and your marginal tax rates you can determine which is best for you.
Portfolio Accumulation
- Retirement Needs This Capital Needs Analysis will tell you how large a portfolio you need to accumulate to retire and live off the proceeds
- School Savings Calculator Figure out how much to put away for the kids' school
Substitute Options for Market Orders