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01Set target allocation — your long-term anchors. Never change during a dip or rally.
02Enter current holdings — input values across Fmarket, Cash, and Speculative accounts.
03Deploy monthly income — enter salary. Tool splits it by target weights automatically.
04Weekly check — open dip or gain calculator. If a tier is crossed, calculate and save deployment.
05Save session — hit Save to persist your data across visits.
Target Allocation
Stock Funds
%
Bonds
%
Cash
%
Speculative
%
Total100.0%
Stock Funds — Core growth. Open-ended equity funds. Long-term horizon, highest return potential.
Bonds — Capital preservation. Fixed income that beats inflation (~3–4% VND).
Cash — Liquid reserve. T+0/T+1 only. Used for dip deployment. Never drop below 10%.
Speculative — Bitcoin and high-volatility assets. Accept full loss risk.
Current Portfolio — by Channel
On targetWithin ±5% of target. No action needed.
Watch5–10% drift. Monitor monthly.
RebalanceExceeds 10%. Use gain trimming or wait for dip to deploy.
Deploy New Income
VND (M)
Dip Deployment Calculator
pts
pts
M VND
When VN-Index drops from its 52-week high, deploy extra cash on top of monthly income — into stock funds only.
52-week high — highest VN-Index closing price in the past year.
One deploy per tier per drawdown episode. Only deploy again when the index drops into the next tier.
Save button — hit Save only after you've executed the trade.
Gain Trimming
Enter your current portfolio values above to see gain trimming recommendations.
When stocks run above your target allocation, you're carrying more risk than intended.
Trim to watch limit (5%): If drift exceeds 5%, trim back to be within the watch limit. Proceeds always go to cash.
Drawdown-aware: Stock trimming is suspended during a dip episode when VN-Index is below its 52-week high.