Portfolio Rebalancing Worksheet

Disclaimer: This calculator is basic and for illustrative/entertainment purposes. I have tried to make it accurate, but there is no warranty.

I am not a financial professional and do not sell any stocks, bonds, or funds. I do not provide specific financial advice. There is no explicit or implicit recommendation for the ETFs used. They are examples and you should use whatever best suits you.

This calculator is intended to help DIY investors who ultimately make their own decisions and manage their portfolios on their own. Selling investments can trigger taxes. Be sure that any suggestions for rebalancing your portfolio makes sense for you. You should do your own due diligence and consult experts as needed for your own situation.

You are responsible for your own investing decisions and will not sue Loonie Doctor or anyone associated with us.

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I Have Read The Above & Agree

The tool saves your entries to your web-browser.

This has the advantage of making it easier for you to come back to, but be aware in case you are using a public computer.

Questions To Optimize Interface & Tax Efficiency

Are you investing through a CCPC (Private Corp)?

Yes

Is your CCPC above or near the active-passive SBD thresho

Yes

Do you plan to start using a CCPC in the future?

Yes

What province are you taxed in?

Enter Income of the person that the personal taxable account is attributed to

Regular Income minus RRSP Deduction

Ineligible Dividends (From Corp)

Eligible Dividends

Your top marginal tax rate on interest and foreign dividen

Your top effective marginal tax rate on eligible dividends

Account & Rebalancing Set-up

Account Type	Custom Name	Include
TFSA
1
2
RRSP
1
2
3
Corporate Account
1
2
Personal Taxable
1
2

If You Use $USD Accounts, Enter The Exchange Rate
$CAD to $USD Exchange Rate

Rebalancing Trigger Threshold Limits
Absolute (relative to portfolio)
Relative (relative to itself)

Select Strategy To Use For TFSA

Global Diversification

Max Tax Efficiency

Custom Diversified

The TFSA goal is growth. All strategies used fill the TFSA as tax efficiently as possible in the context of the overall portfolio.

A global strategy spreads out around the world by market size. It does this by capping the maximum amount of TFSA space a region can occupy by roughly its world market capital and capping REITS at 10%. Unused space is filled by Canada, Preferred Shares, or Bonds if needed. The Custom Diversified strategy let's you alter the cap put on the different growth oriented holdings.

The tax efficiency strategy will filled based on making the overall portfolio tax efficient, even if it makes the TFSA undiversified. The TFSA may contain more REITS, Non-North American Developed Markets, or Canadian than their market weight - especially with large portfolios.

Custom Diversified TFSA (Different Caps On Asset Classes in TFSA)

Max Allocation

Real Estate Investment Trusts (REITS)

Non-North American Developed Market Equity

Emerging Market Equity

US Equity

Canadian Equity

Must tally up to 100%

Target Asset Allocation Selection

Step 1: Determine your risk tolerance and an appropriate stocks:bonds ratio that fits that. This can be done via discussion with a financial advisor and/or you could use the Vanguard Questionnaire, Investin' Intestin' Testor, and look at historical returns and volality to help. Mulitple modalities are best to guess, but experience teaches.

Risk Tolerance & Asset Allocation

Vanguard Risk Tolerance Questionnaire

Desktop/Tablet: Returns & Volatility Visualizer

Desktop/Table: Investing Intestinal Fortitude Tester

Mobile: Returns & Volatility Visualizer

Mobile: Investing Intestinal Fortitude Tester

Step 2: Do you want to simply put a stock:bonds ratio and have stocks distributed as 1/3 Canadian & 2/3 Foreign or set your own custom allocations?

Select

Stock:Bonds Ratio With Auto-Distribution

Custom Allocation

Conservative

Aggressive

Bonds

Stocks

Canadian Equity

"0"

US Equity

"0"

Non-North America Developed Marke

"0"

Emerging Markets

"0"

Bonds

"0"

Step 3: Enter them below & make sure adds up to 100%

Canadian Equity

US Equity

Int'l (Non-North America) Developed

Emerging Markets

REITS

Preferred Shares

Bonds

Cash

Total

CURRENT TFSA HOLDINGS & BALANCES

	CAD to USD Exchange Rate

TFSA #1
Asset Class	ETF Symbol	Value	ETF Currency	Value in $CAD
CDN EQ	VCN		CAD
US EQ	XUU		CAD
Intl Dev EQ	XEF		CAD
EMM
Bonds	VAB		CAD
REITS	ZRE		CAD
Prefs	HPR		CAD
$CAD Cash & Contributions			CAD
$USD Cash & Contributions			USD
Total Cash & Contributions
Account Total			CAD

TFSA #2
Asset Class	ETF Symbol	Value	ETF Currency	Value in $CAD
CDN EQ	VCN		CAD
US EQ	XUU		CAD
Intl Dev EQ	XEF		CAD
EMM
Bonds	VAB		CAD
REITS	ZRE		CAD
Prefs	HPR		CAD
$CAD Cash & Contributions			CAD
$USD Cash & Contributions			USD
Total Cash & Contributions
Account Total			CAD

CURRENT RRSP HOLDINGS & BALANCES

	CAD to USD Exchange Rate

RRSP #1
Asset Class	ETF Symbol	Value	ETF Currency	Value in $CAD
CDN EQ	VCN		CAD
US EQ	XUU		CAD
Intl Dev EQ
EMM
Bonds	VAB		CAD
REITS	ZRE		CAD
Prefs	HPR		CAD
$CAD Cash & Contributions			CAD
$USD Cash & Contributions			USD
Total Cash & Contributions
Account Total			CAD

RRSP #2
Asset Class	ETF Symbol	Value	ETF Currency	Value in $CAD
CDN EQ	VCN		CAD
US EQ	XUU		CAD
Intl Dev EQ
EMM
Bonds	VAB		CAD
REITS	ZRE		CAD
Prefs	HPR		CAD
$CAD Cash & Contributions			CAD
$USD Cash & Contributions			USD
Total Cash & Contributions
Account Total			CAD

RRSP #3
Asset Class	ETF Symbol	Value	ETF Currency	Value in $CAD
CDN EQ	VCN		CAD
US EQ	XUU		CAD
Intl Dev EQ
EMM
Bonds	VAB		CAD
REITS	ZRE		CAD
Prefs	HPR		CAD
$CAD Cash & Contributions			CAD
$USD Cash & Contributions			USD
Total Cash & Contributions
Account Total			CAD

CURRENT CORPORATE HOLDINGS & BALANCES

		CAD to USD Exchange Rate

Corp #1					Capital Gain/Loss (optional)
Asset Class	ETF Symbol	Value	ETF Currency	Value in $CAD	Capital Gain/Loss (optional)
CDN EQ	VCN		CAD
US EQ	XUU		CAD
Intl Dev EQ	XEF		CAD
EMM
Bonds	ZDB		CAD
REITS	ZRE		CAD
Prefs	HPR		CAD
$CAD Cash & Contributions			CAD
$USD Cash & Contributions			USD
Total Cash & Contributions
Account Total			CAD

Corp #2					Capital Gain/Loss (optional)
Asset Class	ETF Symbol	Value	ETF Currency	Value in $CAD	Capital Gain/Loss (optional)
CDN EQ	VCN		CAD
US EQ	XUU		CAD
Intl Dev EQ	XEF		CAD
EMM
Bonds	ZDB		CAD
REITS	ZRE		CAD
Prefs	HPR		CAD
$CAD Cash & Contributions			CAD
$USD Cash & Contributions			USD
Total Cash & Contributions
Account Total			CAD

CURRENT PERSONAL TAXABLE ACCOUNT HOLDINGS & BALANCES

		CAD to USD Exchange Rate

Taxable #1					Capital Gain/Loss (optional)
Asset Class	ETF Symbol	Value	ETF Currency	Value in $CAD	Capital Gain/Loss (optional)
CDN EQ	VCN		CAD
US EQ	XUU		CAD
Intl Dev EQ	XEF		CAD
EMM
Bonds	ZDB		CAD
REITS	ZRE		CAD
Prefs	HPR		CAD
$CAD Cash & Contributions			CAD
$USD Cash & Contributions			USD
Total Cash & Contributions
Account Total			CAD

Taxable #2					Capital Gain/Loss (optional)
Asset Class	ETF Symbol	Value	ETF Currency	Value in $CAD	Capital Gain/Loss (optional)
CDN EQ	VCN		CAD		$ -
US EQ	XUU		CAD		$ -
Intl Dev EQ	XEF		CAD		$ -
EMM					$ -
Bonds	ZDB		CAD		$ -
REITS	ZRE		CAD		$ -
Prefs	HPR		CAD		$ -
$CAD Cash & Contributions			CAD
$USD Cash & Contributions			USD
Total Cash & Contributions
Account Total			CAD

	TFSA REBALANCING WORKSHEET

	CAD to USD Exchange Rate
	Cash Balance
	""

Canadian Equity	Initial		Need To Buy (Sell)		Cash Balance
Canadian Equity	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final


U.S. Equity	Initial		Need To Buy (Sell)		Cash Balance
U.S. Equity	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final


International Developed	Initial		Need To Buy (Sell)		Cash Balance
International Developed	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final


Emerging Markets	Initial		Need To Buy (Sell)		Cash Balance
Emerging Markets	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final

	in USD

	in USD
Real Estate Inv. Trusts	Initial		Need To Buy (Sell)		Cash Balance
Real Estate Inv. Trusts	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final


Preferred Shares	Initial		Need To Buy (Sell)		Cash Balance
Preferred Shares	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final


Bonds	Initial		Need To Buy (Sell)		Cash Balance
Bonds	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final

	RRSP REBALANCING WORKSHEET

	CAD to USD Exchange Rate
	""
	Cash Balance
	""

Canadian Equity	Initial		Need To Buy (Sell)		Cash Balance
Canadian Equity	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final
	VCN
	VCN
	VCN
U.S. Equity	Initial		Need To Buy (Sell)		Cash Balance
U.S. Equity	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final
	XUU
	XUU
	XUU
International Developed	Initial		Need To Buy (Sell)		Cash Balance
International Developed	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final

	in USD

	in USD

	in USD
Emerging Markets	Initial		Need To Buy (Sell)		Cash Balance
Emerging Markets	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final

	in USD

	in USD

	in USD
Real Estate Inv. Trusts	Initial		Need To Buy (Sell)		Cash Balance
Real Estate Inv. Trusts	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final
	ZRE
	ZRE
	ZRE
Preferred Shares	Initial		Need To Buy (Sell)		Cash Balance
Preferred Shares	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final
	HPR
	HPR
	HPR
Bonds	Initial		Need To Buy (Sell)		Cash Balance
Bonds	Target		Need To Buy (Sell)		Cash Balance
Account	Holding	Initial	Buy (Sell)	Final
	VAB
	VAB
	VAB

CORPORATE INVESTMENT ACCOUNT REBALANCING WORKSHEET

	CAD to USD Exchange Rate				Net Realized Capital Gain (Loss)
	Cash
	Balance

Canadian Equity	Initial		Need To Buy (Sell)				Cash Balance
Canadian Equity	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain
	VCN
	VCN
U.S. Equity	Initial		Need To Buy (Sell)				Cash Balance
U.S. Equity	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain
	XUU
	XUU
International Developed	Initial		Need To Buy (Sell)				Cash Balance
International Developed	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain
	XEF
	XEF
Emerging Markets	Initial		Need To Buy (Sell)				Cash Balance
Emerging Markets	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain

	in USD

	in USD
Real Estate Inv. Trusts	Initial		Need To Buy (Sell)				Cash Balance
Real Estate Inv. Trusts	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain
	ZRE
	ZRE
Preferred Shares	Initial		Need To Buy (Sell)				Cash Balance
Preferred Shares	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain
	HPR
	HPR
Bonds	Initial		Need To Buy (Sell)				Cash Balance
Bonds	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain
	ZDB
	ZDB

PERSONAL TAXABLE ACCOUNT REBALANCING WORKSHEET

	CAD to USD Exchange Rate				Net Realized Capital Gain (Loss)
	Cash
	Balance

Canadian Equity	Initial		Need To Buy (Sell)				Cash Balance
Canadian Equity	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain
	VCN
	VCN
U.S. Equity	Initial		Need To Buy (Sell)				Cash Balance
U.S. Equity	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain
	XUU
	XUU
International Developed	Initial		Need To Buy (Sell)				Cash Balance
International Developed	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain
	XEF
	XEF
Emerging Markets	Initial		Need To Buy (Sell)				Cash Balance
Emerging Markets	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain

	in USD

	in USD
Real Estate Inv. Trusts	Initial		Need To Buy (Sell)				Cash Balance
Real Estate Inv. Trusts	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain
	ZRE
	ZRE
Preferred Shares	Initial		Need To Buy (Sell)				Cash Balance
Preferred Shares	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain
	HPR
	HPR
Bonds	Initial		Need To Buy (Sell)				Cash Balance
Bonds	Target		Need To Buy (Sell)				Cash Balance
Account	Holding	Initial	Buy (Sell)	Final	Unrealized Cap Gain	Realized Cap Gain
	ZDB
	ZDB

PORTFOLIO ACCOUNT COMPOSITION
TFSAs	CDN EQ	US EQ	Intl Dev EQ	EMM	REITS	Prefs	Bonds	Cash	Total
Initial
Target
Post-Rebalancing
RRSPs	CDN EQ	US EQ	Intl Dev EQ	EMM	REITS	Prefs	Bonds	Cash	Total
Initial
Target
Post-Rebalancing
Corporate	CDN EQ	US EQ	Intl Dev EQ	EMM	REITS	Prefs	Bonds	Cash	Total
Initial
Target
Post-Rebalancing
Personal Taxable	CDN EQ	US EQ	Intl Dev EQ	EMM	REITS	Prefs	Bonds	Cash	Total
Initial
Target
Post-Rebalancing
TOTAL PORTFOLIO ($ Value)
Initial
Post-Rebalancing
REBALANCING STATUS
Initial
Target
Post-Rebalancing
Offside (absolute)
Offside (relative)
Rebalance Status
Realized Capital Gains (Corp)				Realized Cap Gains (Personal)