How far am I from my target allocation?
An allocation question asks how a portfolio is divided — by asset class, sector, region or currency. What counts is the weight of each slice against the total, and the look-through into funds: an ETF is not one holding but hundreds.
Worked through on a sample portfolio. The figures below are that portfolio’s, not yours.
Here’s how your current allocation compares with targets by instrument type (showing current allocation and target allocation):
| Asset | Current allocation (%) | Target allocation (%) |
|---|---|---|
| Stock | 49,09% | 38,35 |
| ETF | 31,21% | 51,07 |
| Crypto | 8,61% | 10,59 |
| Cash | 6,06% | 0,00% |
| Precious metal | 5,03% | 0,00% |
What this means: you are +10,74 percentage points overweight in Stock and -19,86 percentage points underweight in ETF relative to your targets. The crypto allocation is -1,98 percentage points from its target. Cash and precious metal currently have target allocations of 0,00% so they show as overweight versus target.
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See this for your own portfolio
The assistant answers the same question about your own holdings, with your figures and today’s prices. Import from your broker, or open the demo portfolio and ask it there.