Understanding Alignfolio - Portfolio Drift, Privacy & Rebalancing

Alignfolio is designed for DIY investors who want a calm and simple way to monitor portfolio allocation and portfolio drift.

The goal is simple: help investors clearly understand how their portfolio changes over time while staying fully in control of their own data and decisions.

Alignfolio works by letting users manually enter holdings or upload a CSV file to compare current allocation against target allocation.

Step 1 - Set your target allocation

• ETF 1 - 25%
• ETF 2 - 40%
• ETF 3 - 15%
• ETF 4 - 20%

Step 2 - Markets move over time

Some positions become overweight while others become underweight relative to your original target allocation.

Step 3 - Drift visualization

• 🟢 On Track (≤ 3%)
• 🟡 Moderate Drift (3-7%)
• 🔴 Off Track (> 7%)

Example:

• ETF 4: 12% vs 20% target → -8% drift → 🔴 Off Track

Want to see this visually? Try the interactive demo dashboard.

Yes. Alignfolio supports CSV uploads so investors can quickly analyze allocation changes without manually building spreadsheets.

Portfolio drift happens when your investment portfolio moves away from its original target allocation due to market changes.

Over time, this can change the balance and risk profile of the portfolio without the investor noticing.

To calculate portfolio drift:

1. determine your target allocation
2. calculate your current allocation
3. subtract target from current for each asset

Example:

• stocks: 70% - 60% = +10%
• bonds: 30% - 40% = -10%

Alignfolio is manual by design.

Instead of relying on brokerage integrations and third-party syncing, the platform focuses on intentional portfolio tracking, simplicity, privacy, and allocation clarity.

Manual tracking also avoids issues like broken account connections, unsupported brokerages, duplicate holdings, and incorrect syncing.

Yes. Alignfolio does not connect to brokerage accounts or external financial institutions.

• no account connections
• no third-party data sharing
• full control over your information

Yes. Alignfolio includes a free interactive demo that allows users to explore portfolio drift tracking and allocation visualization without creating an account.

Open the demo dashboard.

Yes. Alignfolio Pro can combine multiple portfolios into a single view. If your investments are spread across multiple accounts, Alignfolio can show your overall allocation, target allocation, and drift in one place.

This helps answer a simple question: am I on target across my entire portfolio, not just within each individual account?

Alignfolio Pro costs US$49/year on the annual plan, or US$4.99/month on the monthly plan. Annual is the best value - about US$4.08/month billed annually.

Pro features include:

• combined allocation, target, and drift across multiple accounts
• save and manage up to 4 portfolios
• see how your portfolio drifts over time
• monthly reminder emails
• market movement alerts
• portfolio history tracking

Portfolio rebalancing is the process of adjusting your portfolio so it moves closer to its target allocation.

Some investors rebalance by directing new cash toward underweight positions instead of selling investments.

See how rebalancing with new cash works.

Alignfolio directs new contributions toward underweight asset classes using a proportional dollar-shortfall methodology. This is one of several mathematically consistent ways to allocate contributions when multiple asset classes are below target.

For readers interested in the methodology and a comparison with an alternative approach, see the research paper.

No. Alignfolio is an educational portfolio tracking tool and does not provide investment advice, recommendations, or financial planning services.

Many portfolio platforms focus on brokerage syncing, performance analytics, trading tools, or full financial dashboards.

Alignfolio takes a different approach focused on:

• portfolio allocation clarity
• multi-account allocation tracking
• drift tracking
• contribution-based rebalancing awareness
• privacy-first manual tracking
• simple visual monitoring

The goal is not automation. The goal is helping investors clearly understand how their portfolio changes over time.