VAnguard-POrtfolio-REbalance VAPORE

Algorithm setup to determine proper spread of Vanguard ETF index funds and adjust with the downloaded vanguards transaction file. Current allocation:

Symbol	Description	Type	% of type
VV	US large cap stock	Stock	22.222
VO	US mid cap stock	Stock	22.222
VB	US small cap stock	Stock	22.222
VTC	US total corp bond	Bond	33.333
BND	US total bond	Bond	33.333
VXUS	Total international stock	Stock	22.222
VWO	Emerging markets stock	Stock	11.111
BNDX	Total international bond	Bond	33.333

The value depends on overall distribution. As in, 90% stock and 10% bond, then each percentation would be that fraction of the stock vs. bond distribution. The values above are stored within constants in the holdings source file and can be changed there. The default stock vs. bond distribution is 90 vs 10 for retirement accounts and 60 vs 40 for brokerage investment accounts. These can be changed through command line arguments.

The algorithm is also setup to shift the riskiest assets to the roth accounts and the less risky assets to the traditional IRA accounts. This is donw to allow for the most growth to happen within the account which does not get taxed.

VTC and BND is included in order to shift money away from government bonds and into AAA corporate bonds. There is also an equal distribution among cap sizes in order to not be over invested in large cap stocks.

How to run

required

Rust installed
Vanguard account with money in it

Compile

Install and compile from source

git clone https://github.com/Roco-scientist/VAnguard-POrtfolio-REbalance
cd VAnguard-POrtfolio-REbalance
cargo install --path .

Install and compile from crates.io
cargo install vapore

Download vanguard transactions

Download transaction file from within the vanguard account

Login to vanguard
Click on My accounts
Click on Transaction history
Click the download button on the right hand side
For Step 1, select A spreadsheet-compatible CSV file
Step 2, leave at 1 month
Step 3, select all accounts
Click Download located at the bottom right
Move the downloaded CSV file to where you want to run this program

Run

vapore --brokerage-acct <#> --roth-acct <#> --trad-acct <#> <vanguard_csv>

If money is being added to any of the accounts, add one of the following flags along with the amount:

--add-brokerage <#>
--add-traditional <#>
--add-roth <#>

Where the latter two are for IRA additions.

Output

The output will look similar to below:

Brokerage:
Symbol   Purchase/Sell  Current         Target
--------------------------------------------------
VV       5.55           $1381.38        $2572.64
VO       4.76           $1379.50        $2572.64
VB       5.44           $1357.48        $2572.64
VTC      -47.38         $6875.00        $2572.64
BND      30.16          $0.00           $2572.64
VXUS     -10.98         $3256.82        $2572.64
VWO      -7.44          $1650.02        $1286.32
BNDX     -14.29         $3389.67        $2572.64
--------------------------------------------------
Cash                    $49.08          $0.00
Total                   $19294.79
==================================================

Where the second column contains the number of ETF stocks to purchase (positive) or sell (negative). If this is the first time running the algorithm without purchasing any ETFs yet, the second column will be the dollar amount needed to buy instead of quantity. This is because the algorithm uses the downloaded vanguard file to get the per stock price. It is set to $1 if it is not included in this downloaded file.