Decide with numbers, not nerves

How does rebalancing work?

You say how much you are adding, and it tells you what to buy to end up closer to your target — deposit-first, so new money closes the gap without selling anything, which means no capital gains and no market timing.

• Every sleeve shown before and after, not just the suggested trades
• New money split in proportion to how far each sleeve has drifted
• Optional sell mode when a deposit alone will not do it
• A growth projection of the portfolio before and after the change

Can I test an allocation before committing?

Portfolio Lab replays up to five candidate allocations over real total-return history with annual rebalancing, against the S&P 500. The window is the intersection of every fund’s history, so comparing funds of different ages cannot flatter the younger one.

• CAGR, volatility, max drawdown and time spent underwater
• A verdict judged against your own age-based equity target
• Estimated dividend income and blended yield

What do the dividend tools do?

The calendar shows when money actually lands, keeping paid, declared and estimated payments visibly separate rather than blending them into one comfortable number. The screener ranks payers across the market, inside your portfolio, or over a list you supply.

What is "Find the Dip"?

A scan of the funds and stocks you already own for those trading below their own 10, 50, 100 or 200-day moving averages — measured on total-return prices, so a dividend payment cannot fake a dip.