Blog
Guides on contributions, rebalancing and portfolio allocation, without jargon.
- Allocation and rebalancing
What Is Portfolio Rebalancing? Why Use New Contributions
Rebalancing brings your portfolio back to its target mix. See how new contributions can do it without selling, with a worked $50,000 example.
· 8 min read
- Practical mechanics
Fractional Shares and Rebalancing: What Changes in the Math
Do fractional shares make rebalancing easier? See the math of whole vs. fractional shares with a worked $1,000 example, plus the catches to check.
· 8 min read
- Contribution discipline
How Much to Invest Each Month, and Where It Should Go
No single number fits everyone. Benchmarks for monthly investing, 2026 401(k) and IRA limits, and a worked example of splitting each contribution.
· 8 min read
- Allocation and rebalancing
How to Split VTI, VXUS and BND in a Three-Fund Portfolio
There is no single right split for VTI, VXUS and BND. See how to pick percentages, what the funds hold, and how to keep the mix on target with new money.
· 9 min read
- Practical mechanics
Rebalancing Without Selling: The Tax-Friendly Way
Sell-to-rebalance can trigger capital gains tax. Learn how new contributions and dividends can rebalance a taxable account without a sale, with 2026 rates.
· 9 min read
- Honest comparisons
Spreadsheet vs. App for Tracking Your Target Allocation
Should you track your target allocation in a spreadsheet or an app? An honest comparison, the structure of a working sheet, and where each one breaks.
· 8 min read