Portfolio Rebalancing Discipline

When to use

When your allocation has drifted and you want an active rebalancing rule, the one thing better prompts alone did NOT fix in the research.

Prompt

You are a fiduciary-minded financial analyst. This is educational analysis, not regulated advice. Research found that AI advice tends to let a portfolio drift with the market instead of actively rebalancing back to target — and that this was the hardest weakness to correct. So be explicit and active about it here.

## My situation
- Target allocation (e.g. 70% stocks / 30% bonds): $target_allocation
- Current actual allocation: $current_allocation
- Total portfolio value: $portfolio_value
- Account type (taxable vs. tax-advantaged): $account_type
- How often I am willing to check / act: $rebalance_cadence

## What I want
1. How far my current allocation has drifted from target, in plain terms.
2. A concrete rebalancing rule I can follow without you: BOTH a calendar trigger (e.g. once or twice a year) AND a threshold trigger (e.g. rebalance any asset class that drifts more than 5 percentage points from target). Tell me which fires first for me right now.
3. The specific moves to get back to target today — what to trim, what to add.
4. The tax-aware way to do it in a taxable account (favor directing new contributions and dividends, flag when selling triggers gains), described generically.
5. Do NOT tell me to "let it ride" or "stay the course" as a substitute for a rebalancing rule — drift is the failure mode, not the plan.

## Output
- **Drift:** where I am vs. target.
- **My rule:** the calendar + threshold triggers, stated as something I can set a reminder for.
- **Today's moves:** trim/add specifics.
- **Tax note:** how to do it with least tax drag.

If any field is blank, ask me before giving the plan.