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Restructuring

What it does

Restructuring is a guided rebalancing tool. It collects a short questionnaire, looks at the holdings you actually have, and generates a personalised plan with concrete buy / sell / trim recommendations and the reasoning behind each one.

The flow is the same every time: Questionnaire → Holdings preview → Plan.

When to use it

  • Your portfolio has drifted (a few names dominate; some sectors are underweight).
  • Your goals or risk tolerance have changed.
  • You’re returning to investing after a break and want a structured starting point.
  • You want a “what would a sensible rebalance look like?” view, without paying an advisor.

How to use it

Step 1 — Questionnaire

You’ll answer a short series of questions covering:

  • Risk profile — how comfortable you are with drawdowns.
  • Goals — capital preservation, growth, income, etc.
  • Time horizon — short, medium, long.
  • Constraints — any sectors or stocks you want to keep or avoid.

Save your profile when done. You can edit it anytime to regenerate plans against new inputs.

Step 2 — Holdings preview

The dashboard shows every holding it’ll consider — both broker-fed positions and any manual investments. Confirm the list looks right. If something’s missing, add it on Manual investments and come back.

Click Continue to start the analysis.

Step 3 — Plan

The AI generates a plan with:

  • Recommendations — which positions to add, trim, or exit.
  • Target allocation — sector and stock weights aimed at by the plan.
  • Rationale — why each move is suggested, anchored to your profile.

You can save the plan, regenerate it, or compare it against previous plans.

Past plans

  • Earlier plans are kept in your history. Open one to revisit what was suggested and how things have moved since.

Tips & gotchas

  • Update the questionnaire if your situation changes. Plans are only as good as the inputs.
  • Make sure manual investments are entered first. Otherwise the plan ignores them and the rebalance won’t add up to your real portfolio.
  • The plan is a starting point. Treat it as a structured second opinion, not an instruction. You decide what to act on.
  • Generation takes a moment. You can leave the page and come back; the result is saved.
  • Run it periodically. Markets move, your goals evolve — rebalancing plans go stale.