Agent skill · business finance · anthropics
portfolio-rebalance
Analyze portfolio allocation drift and generate rebalancing trade recommendations across accounts. Considers tax implications, transaction costs, and wash sale rules. Triggers on "rebalance", "portfolio drift", "allocation check", "rebalancing trades", or "my portfolio is out of balance".
Why this skill is useful
Adds a comprehensive workflow for tax-aware portfolio rebalancing that includes specific trade recommendations and compliance considerations not commonly found in public resources.
What it needs
About 2k tokens when loaded. Last updated 2026-08-04. 34,059 stars on the source repository.
What this skill does
Portfolio Rebalance Workflow Step 1: Current State For each account, capture: Account type (taxable, IRA, Roth, 401k) Holdings with current market value Cost basis (for taxable accounts) Unrealized gains/losses per position Step 2: Drift Analysis Compare current allocation to IPS targets: Asset Class Target % Current % Drift $ Over/Under ------------ ---------- ----------- ------- ------------- US Large Cap Equity US Small/Mid Cap International Developed Emerging Markets Investment Grade Bonds High Yield / Credit TIPS / Inflation Protected Alternatives Cash Flag positions exceeding the rebalancing band (typically ±3-5%). Step 3: Trade Recommendations Generate trades to bring allocation back to target: Tax-Aware Rebalancing Rules: Prefer rebalancing in tax-advantaged accounts (IRA, Roth) first — no tax consequences In taxable accounts, avoid selling positions with large short-term gains Harvest losses where possible while rebalancing Watch for wash sale rules (30-day window) across all accounts Consider directing new contributions to underweight asset classes instead of trading Trade List: Account Action Security Shares/$ Reason Tax Impact --------- -------- ---------- ---------- -------- ----------- Buy/Sell Rebalance / TLH ST gain / LT gain / Loss Step 4: Asset Location Review Optimize which assets are held in which account types: Tax-deferred (IRA/401k): Bonds, REITs, high-turnover funds (highest tax drag) Roth: Highest expected growth assets (tax-free growth) Taxable: Tax-efficient equity (index funds, ETFs, munis), tax-loss harvesting candidates Step 5: Implementation Total trades by account Estimated transaction costs Estimated tax impact (realized gains/losses) Net effect on allocation drift Step 6: Output Drift analysis table Recommended trade list (Excel) Tax impact summary Before/after allocation comparison Important Notes Don't rebalance for rebalancing's sake — small drift within bands is fine Tax costs can outweigh rebalancing benefits in taxable account …
How to use it
Reference it in AdaL, Claude Code, Cursor or any coding agent — nothing to install:
@skills anthropics/portfolio-rebalance