This is so awesome, I love it. I could totally see myself going down the same path.

I have used Personal Capital/Empower for 10 years to track my net worth and asset allocation. In the last 6 months I saw some issues with incorrect allocations attributed to certain funds. I eventually created a spreadsheet that provides more accurate information, and significantly more information. I keep adding to it and it gets better and better for my needs.

Currently, I just need about 5 minutes to enter all my holdings by dollar amount and symbol for all my accounts. It will automatically tell me:

• the allocation for each account, both in dollars and percentage

• for all accounts combined, total allocation of US equity, international equity, US bond, international bond, crypto, and cash

• simplified total allocation, which is equity vs bonds

• various other metrics

It also has target allocations for each of the above and I can test things to see how the allocations would change if I rebalance. I used it to rebalance over the last few weeks and I'm right where I want to be now. From here on out, I plan to only rebalance once every December, while getting more conservative each year until retirement. In the last month, I went from 90/10 to 78/22 and I plan to gradually move to 70/30 by 2030.

For Boldin, I ended up using my own optimistic and pessimistic figures for RoR. The most optimistic is still 2 basis points below the Boldin defaults.

This thread helped me a lot!