MCPInstall

portfolio-rebalance

Analyze portfolio allocation drift and generate rebalancing trade recommendations across accounts. Considers tax implications, transaction costs, and wash sale rules. Triggers on "rebalance", "portfolio drift", "allocation check", "rebalancing trades", or "my portfolio is out of balance".

Installs
1K
Last 24h
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Trending rank
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Security
Not audited

Install

Works with every agent the skills CLI supports.

npx skills add https://github.com/anthropics/financial-services --skill portfolio-rebalance
  1. 01

    Install

    Run the command in your project. The CLI asks which agents to install for.

  2. 02

    Describe the task

    Ask your agent for something this skill covers. It loads portfolio-rebalance automatically when relevant.

  3. 03

    Review the result

    The agent follows the SKILL.md steps, scripts and references bundled with the skill.

SKILL.md

The instructions your agent reads when the skill is triggered.

Portfolio Rebalance

Workflow

Step 1: Current State

For each account, capture:

  • Account type (taxable, IRA, Roth, 401k)
  • Holdings with current market value
  • Cost basis (for taxable accounts)
  • Unrealized gains/losses per position

Step 2: Drift Analysis

Compare current allocation to IPS targets:

Asset ClassTarget %Current %Drift$ Over/Under
US Large Cap Equity
US Small/Mid Cap
International Developed
Emerging Markets
Investment Grade Bonds
High Yield / Credit
TIPS / Inflation Protected
Alternatives
Cash

Flag positions exceeding the rebalancing band (typically ±3-5%).

Step 3: Trade Recommendations

Generate trades to bring allocation back to target:

Tax-Aware Rebalancing Rules:

  • Prefer rebalancing in tax-advantaged accounts (IRA, Roth) first — no tax consequences
  • In taxable accounts, avoid selling positions with large short-term gains
  • Harvest losses where possible while rebalancing
  • Watch for wash sale rules (30-day window) across all accounts
  • Consider directing new contributions to underweight asset classes instead of trading

Trade List:

AccountActionSecurityShares/$ReasonTax Impact
Buy/SellRebalance / TLHST gain / LT gain / Loss

Step 4: Asset Location Review

Optimize which assets are held in which account types:

  • Tax-deferred (IRA/401k): Bonds, REITs, high-turnover funds (highest tax drag)
  • Roth: Highest expected growth assets (tax-free growth)
  • Taxable: Tax-efficient equity (index funds, ETFs, munis), tax-loss harvesting candidates

Step 5: Implementation

  • Total trades by account
  • Estimated transaction costs
  • Estimated tax impact (realized gains/losses)
  • Net effect on allocation drift

Step 6: Output

  • Drift analysis table
  • Recommended trade list (Excel)
  • Tax impact summary
  • Before/after allocation comparison

Important Notes

  • Don't rebalance for rebalancing's sake — small drift within bands is fine
  • Tax costs can outweigh rebalancing benefits in taxable accounts — calculate the breakeven
  • Consider pending cash flows (contributions, withdrawals, RMDs) before trading
  • Check for any client-specific restrictions (ESG, concentrated stock, lockups)
  • Document rationale for every trade for compliance records
  • Wash sale rules apply across accounts — coordinate trades across the household

FAQ

What does the portfolio-rebalance skill do?

Analyze portfolio allocation drift and generate rebalancing trade recommendations across accounts. Considers tax implications, transaction costs, and wash sale rules. Triggers on "rebalance", "portfolio drift", "allocation check", "rebalancing trades", or "my portfolio is out of balance".

How do I install portfolio-rebalance?

Run npx skills add https://github.com/anthropics/financial-services --skill portfolio-rebalance in your project. The skills CLI detects the agents you use and copies the skill into the right folder. For Claude Code you can also place the skill folder at ~/.claude/skills/portfolio-rebalance/ (personal) or .claude/skills/portfolio-rebalance/ (project).

Which AI agents can use portfolio-rebalance?

Any agent that supports the open Agent Skills format (a folder with a SKILL.md file), including Claude Code, Codex, Cursor, GitHub Copilot, Gemini CLI, Windsurf, Cline, OpenCode and more.

Is portfolio-rebalance safe to install?

No partner security audit is available yet. Skills can run commands and scripts, so read the SKILL.md and any bundled files before installing.

Who maintains portfolio-rebalance?

It is published by anthropics in anthropics/financial-services, and it is an official skill from the maker of the technology it covers. It has 1,002 recorded installs.

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