Tools in This Collection
Options Profit Calculator
Estimate options profit and loss at expiration with breakeven price and max gain/loss
Dividend Calculator
Project dividend income, DRIP reinvestment, and portfolio growth with yield on cost
Sharpe Ratio Calculator
Measure risk-adjusted portfolio returns and compare to benchmarks using Sharpe and Sortino ratios
Portfolio Rebalancing Calculator
Find exact buy/sell amounts needed to return a drifted portfolio to target allocation
Dollar-Cost Averaging Calculator
Compare DCA vs lump sum investing and see how regular contributions reduce average cost per share
Tax Loss Harvesting Calculator
Calculate tax savings from strategically selling losing positions to offset realized gains
Guides & Articles
Stock and Portfolio Analysis Workflow
Managing an investment portfolio requires more than picking assets — it requires periodic analysis of performance, risk, allocation drift, and tax optimization. This cluster of tools handles the quantitative side of portfolio management.
Analyzing Portfolio Risk and Return
The Sharpe Ratio Calculator measures risk-adjusted returns: how much excess return you earn per unit of volatility. A Sharpe ratio above 1.0 is generally considered good; above 2.0 is excellent. This metric is useful for comparing two portfolios with different return profiles — a portfolio earning 12% with high volatility may be worse on a risk-adjusted basis than one earning 8% with low volatility.
Maintaining Target Allocation
Asset classes drift from target allocations as markets move. A 60/40 stock/bond portfolio in a strong equity year might drift to 70/30, increasing risk above the intended level. The Portfolio Rebalancing Calculator identifies the exact trades needed to restore target weights. Rebalancing annually or when any allocation drifts more than 5% from target is a common discipline.
Dollar-Cost Averaging vs Lump Sum
Research consistently shows that lump-sum investing outperforms DCA approximately two-thirds of the time, because markets spend more time going up than down. However, DCA is psychologically easier for most investors and eliminates the risk of investing a large sum right before a market drop. The DCA Calculator lets you model both approaches and compare outcomes.
Options for Income Generation
Covered calls allow investors who already own 100+ shares of a stock to sell call options against that position, generating premium income. The Options Profit Calculator models the profit and loss profile at various underlying prices, showing the maximum gain (premium received), breakeven, and downside protection that the premium provides.
Frequently Asked Questions
How often should I rebalance my portfolio?
Common approaches are calendar-based (annually or semi-annually) or threshold-based (when any asset class drifts more than 5% from target). Threshold rebalancing is generally more efficient since it only triggers action when drift is meaningful. The Portfolio Rebalancing Calculator shows current vs target weights and required trades.
What is dividend reinvestment (DRIP)?
Dividend reinvestment (DRIP) automatically uses dividend payments to purchase additional shares of the same stock or fund. Over time, DRIP compounding can significantly increase total returns. The Dividend Calculator shows the difference between taking dividends as cash vs reinvesting over different time horizons.
Is selling covered calls risky?
Covered calls are one of the lower-risk options strategies because you already own the underlying shares. The main risk is opportunity cost — if the stock surges past your strike price, your gains are capped at the strike. The Options Profit Calculator visualizes the full profit/loss profile so you can see the trade-offs before entering the position.
What is tax-loss harvesting?
Tax-loss harvesting involves deliberately selling investments at a loss to offset realized capital gains, reducing your current-year tax bill. The key constraint is the wash sale rule — you can't repurchase the same or substantially identical security within 30 days or the loss is disallowed. The Tax Loss Harvesting Calculator quantifies the after-tax savings from a specific harvest.
Should I invest a lump sum or use dollar-cost averaging?
Statistically, lump-sum investing outperforms DCA about 68% of the time because markets trend upward over time — the longer you wait to invest, the more expected return you forego. However, DCA reduces regret if you invest just before a decline and provides emotional comfort. If you'll abandon a lump-sum strategy due to market anxiety, DCA may produce better real-world outcomes.