rebalancer

Rebalancer

Vollautomatisches Portfolio-Rebalancing für optimale Asset Allocation.

Overview

• Target Allocation - Ziel-Gewichtungen definieren
• Drift Detection - Abweichungen erkennen
• Smart Rebalancing - Steuer- und kostenoptimiert
• Multi-Asset - Crypto, Aktien, ETFs, Bonds

🤖 AUTO-PILOT MODE

# ~/.kit/config/rebalancer.json
{
  "auto_pilot": {
    "enabled": true,
    "trigger": {
      "type": "threshold",  # threshold | calendar | hybrid
      "threshold_pct": 5,   # Rebalance wenn >5% Drift
      "calendar": "quarterly",  # monthly | quarterly | yearly
      "check_interval_hours": 24
    },
    "execution": {
      "mode": "sell_buy",   # sell_buy | buy_only | cashflow
      "min_trade_eur": 50,
      "require_approval": true,  # User muss bestätigen
      "approval_timeout_hours": 24
    },
    "tax_optimization": {
      "avoid_short_term_gains": true,
      "use_tax_loss_harvesting": true,
      "max_annual_gains_eur": 10000
    },
    "notifications": {
      "drift_alert_pct": 3,
      "rebalance_complete": true
    }
  },
  "target_allocation": {
    "crypto": {
      "BTC": 40,
      "ETH": 30,
      "SOL": 15,
      "stablecoins": 15
    },
    "traditional": {
      "stocks_us": 40,
      "stocks_eu": 20,
      "bonds": 25,
      "gold": 10,
      "cash": 5
    }
  }
}

Commands

Check Current Allocation vs Target

python3 -c "
import ccxt
import yfinance as yf

# Target allocation
target = {
    'BTC': 40,
    'ETH': 30,
    'SOL': 15,
    'USDT': 15
}

# Current holdings (from exchange)
holdings = {
    'BTC': 0.5,
    'ETH': 3.0,
    'SOL': 50,
    'USDT': 5000
}

exchange = ccxt.binance()
values = {}
total = 0

# Calculate values
for coin, amount in holdings.items():
    if coin in ['USDT', 'USDC']:
        values[coin] = amount
    else:
        ticker = exchange.fetch_ticker(f'{coin}/USDT')
        values[coin] = amount * ticker['last']
    total += values[coin]

print('⚖️ PORTFOLIO ALLOCATION')
print('=' * 70)
print(f'{\"Asset\":8} {\"Value\":>12} {\"Current\":>10} {\"Target\":>10} {\"Drift\":>10} {\"Status\":>10}')
print('-' * 70)

max_drift = 0
for coin in target:
    current_pct = (values.get(coin, 0) / total * 100) if total > 0 else 0
    target_pct = target[coin]
    drift = current_pct - target_pct
    max_drift = max(max_drift, abs(drift))
    
    if abs(drift) > 5:
        status = '🔴 REBAL'
    elif abs(drift) > 2:
        status = '🟡 Watch'
    else:
        status = '🟢 OK'
    
    print(f'{coin:8} \${values.get(coin, 0):>11,.2f} {current_pct:>9.1f}% {target_pct:>9.1f}% {drift:>+9.1f}% {status:>10}')

print('-' * 70)
print(f'{\"TOTAL\":8} \${total:>11,.2f}')
print()

if max_drift > 5:
    print('⚠️ REBALANCING RECOMMENDED - Max drift exceeds 5%')
else:
    print('✅ Portfolio within tolerance')
"