VAnguard-POrtfolio-REbalance VAPORE

Algorithm setup to determine proper spread of Vanguard ETF index funds and adjust with the downloaded vanguards transaction file. Current allocation:

The value depends on overall asset allocation. As in, if the asset allocation is 90% stock and 10% bond, each percentage listed above is a fraction of that 90% or 10%. For US large cap stock, the math is 90% * 22.222%. The values above are stored within constants in the holdings source file and can be changed there. The default stock vs. bond distribution is 90 vs 10 for retirement accounts and 60 vs 40 for brokerage investment accounts. These can be changed through command line arguments.

The algorithm is setup to shift the riskiest assets to the roth account and the less risky assets to the traditional IRA account. This is done to allow for the most growth to happen within the account which does not get taxed.

VTC and BND is included in order to shift money away from government bonds and into AAA corporate bonds. There is also an equal distribution among cap sizes in order to not be over invested in large cap stocks.

How to run

required

• Rust installed
• Vanguard account with money in it

Compile

Local App

Install and compile from source

git clone https://github.com/Roco-scientist/VAnguard-POrtfolio-REbalance-GUI
cd VAnguard-POrtfolio-REbalance-GUI
cargo install --path .

Install and compile from crates.io
cargo install vapore-gui

WASM website app

Required: trunk
To install: cargo install --locked trunk

git clone https://github.com/Roco-scientist/VAnguard-POrtfolio-REbalance-GUI
cd VAnguard-POrtfolio-REbalance-GUI

Either:

• trunk build --release to build in ./dist/
• trunk serve to host locally

Download vanguard transactions

Download transaction file from within the vanguard account

1. Login to vanguard
2. Click on My accounts
3. Click on Transaction history
4. Click the download button on the right hand side
5. For Step 1, select A spreadsheet-compatible CSV file
6. Step 2, leave at 1 month
7. Step 3, select all accounts
8. Click Download located at the bottom right
9. Move the downloaded CSV file to where you want to run this program

Run

Local App

vapore-gui

Web App

Either place ./dist/ onto a webserver or run python3 -m http.server within the folder or run trunk serve.

Web app is missing due to yahoo not working with WASM:

• yahoo stock price updates and needs stock price within the downloaded vanguard file. Therefor will only fully work when all used stocks are already within the portfolio.
• Distributions as previous year portfolio value cannot be calculated without yahoo stock prices.
• Alpaca updates also not included

On either version, follow instructions below

• Click Open Vanguard File and import the ofxdownload.csv file

• Type in name and click create to create a new profile. This will be cached for future use.

• Enter birth year and retirement year

• Add account numbers and check the retirement box next to brokerage if the brokerage account is to be balance with the retirement accounts.

• If not using the brokerage account with retirement balancing, there is a slider for stock percentage.

• Only with local app: If old enough to need distributions from the traditional IRA, then Load distribution table.

• Click Update to calculate holdings and target purchases. The calculated values can be seen in the dropdown menus