Ted & Joe — Money, Made Simple for the Long Game

Smart Portfolio Diagnostic & Tax-Aware Rebalancer

Rebalance with Fresh Cash. Eliminate Capital Gains Tax.

Instead of selling winning assets and paying taxes, our smart algorithm calculates the exact cash distribution of your next deposit to pull your portfolio back onto target.

1. Select Tax Jurisdiction

Tax rules dictate whether you should rebalance via fresh cash vs selling appreciated assets.

Interactive Tax Intelligence & Allowance Engine

Live calculations tailored to your selected tax rules and annual relief limits.

UK Jurisdiction

HMRC Allowances2026/2027 Tax Year

Annual Tax-Free Allowance Progress Tracker

Stocks & Shares ISA (£20,000 Annual Limit)£12,000 / £20,000 (60%)

Remaining Allowance: £8,000

Used:

Personal Pension / SIPP (£60,000 Annual Allowance)£15,000 / £60,000 (25%)

Remaining Headroom: £45,000

Used:

Capital Gains Tax Annual Exemption (£3,000)£1,200 / £3,000 (40%)

Tax-Free Headroom: £1,800

Gains:

Dividend Tax-Free Allowance (£500)£350 / £500 (70%)

Tax-Free Headroom: £150

Dividends:

2. Portfolio Holdings & Target Allocation

Total Portfolio: £100,000 • Target Allocation Sum: 100%

Presets:

Asset / Fund Name	Ticker	Class	Current Value (GBP)	Annual Fee (%)	Current %	Target %	Drift	Action
					65.0%		-5.0%
					12.0%		+2.0%
					18.0%		+3.0%
					5.0%		0.0%

3. Cash Flow Strategy

Tune your next monthly deposit to automate drift correction.

Next Cash Deposit (GBP)

Drift Tolerance Band5%

Positions drifting more than 5% are prioritized for new cash.

✨ Zero Capital Gains Realized

By purchasing underweight holdings with your £1,000 deposit, no existing shares are sold.

Exact Trade Execution Orders

Log into your brokerage and place these buy orders to restore balance:

Vanguard FTSE All-World UCITS ETFVWRL

Current: 65.0% → Target: 70% (Drift: -5.0%)

BUY+£991

Post-Deposit: 65.3%

iShares Core MSCI Emerging MarketsEMIM

Current: 12.0% → Target: 10% (Drift: +2.0%)

HOLD ($0)Already on target

Global Aggregate Bond UCITS ETFVAGP

Current: 18.0% → Target: 15% (Drift: +3.0%)

HOLD ($0)Already on target

High-Yield Cash / Money MarketCASH

Current: 5.0% → Target: 5% (Drift: 0.0%)

BUY+£9

Post-Deposit: 5.0%

Official Ted & Joe PartnerSuitability Checked

Interactive Brokers (IBKR)

Interactive Brokers

Access 150+ global stock markets, low institutional-grade commission rates, and earn high interest on uninvested cash.

Representative APRInvestments in financial instruments involve risk. Capital at risk.

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Fee Drag Auditor

Weighted Fund Fees vs 0.15% All-World Benchmark

Your weighted portfolio fee is 0.19%/year. Here is the compounding gap:

10-Year Drag

-£1,022

20-Year Drag

-£4,981

30-Year Drag

-£16.8k

Crisis Stress Engine

Historical Drawdown & Recovery Timeline

Based on your asset allocation (77% Equity, 18% Bonds, 5% Cash):

2008 Great Financial Crisis-38.4% Max Drop

Equities dropped -51% while bonds gained +5%. Disciplined rebalancers using monthly cash reached full recovery in 38 months.

2000-2002 Dot-Com Crash-30.6% Max Drop

Tech equities dropped -44% while global fixed income returned +18%. Diversified portfolios regained highs within 46 months.

2022 Inflation & Rates Shock-16.7% Max Drop

Both equities (-18%) and bonds (-16%) fell simultaneously due to rapid rate hikes. Fully recovered in 18 months.

Save or Share Your Rebalance Blueprint

Email yourself this tax-aware allocation or generate a Reddit-formatted markdown table for review.