Target allocation drift: see how far your mix has moved

5 min read · Updated October 20, 2026

Target allocation drift is the gap between the mix you chose and the mix you hold today. In Alphanta you set the targets yourself; the software only measures the gap.

What target allocation drift means

A target allocation is a set of weights you decide on for each asset class: a share for stocks, a share for bonds, a share for cash and so on. Prices move at different speeds, so your real mix slowly wanders away from those weights. That wandering is drift.

Alphanta does not suggest targets, and it does not tell you what to do about drift. It stores the targets you enter, compares them with the holdings you have recorded and shows the difference. Whether and how you act on it is your decision.

Set your own targets

Targets live under Targets in the main menu. The sample weights in this guide only illustrate the arithmetic. They are not suggestions; the right targets are the ones you set for yourself.

1. Open Targets and choose Advanced planning to open the target tree. The portfolio selector at the top decides whether you plan one portfolio or all of them.
2. To start from today's mix, click Import current holdings. Alphanta builds categories from what you already own.
3. Add or remove asset classes such as foreign stocks, Borsa Istanbul shares, bonds, real estate, cash, gold or crypto. You can add sub-categories inside a class, for example separate lines for ETFs and funds.
4. Give each class a target share or a target amount. Shares at the same level are meant to add up to 100 percent.
5. Click Save. The target is stored with your account and used every time you open the page, on desktop and on mobile.

A worked example with sample numbers

Imagine a portfolio with a sample total of 200,000 split across three classes. The weights below are invented for this example; they are not a suggestion.

When your target shares add up to 100 percent, the money gaps add up to zero: whatever one class holds above its target, the others hold below theirs. Seeing the gaps net out is a quick check that both your record and your targets are complete.

At the top of the target tree, Target amount is optional. Leave it empty and every holding counts at its current value. Enter an amount and anything not yet assigned to a class appears as Unallocated.

• Stocks: target 50%. Current value 116,000, which is 58% of the total. Drift +8 points, about 16,000 above the target amount of 100,000.
• Bonds: target 30%. Current value 52,000, which is 26%. Drift -4 points, about 8,000 below the target amount of 60,000.
• Cash: target 20%. Current value 32,000, which is 16%. Drift -4 points, about 8,000 below the target amount of 40,000.

Read the gap in percentage points and money

For each class Alphanta compares the target with the current value of your holdings in that class. You can read the comparison two ways.

In percentage points: if your target for a class is 40% and it makes up 46% of your portfolio today, the drift is +6 points. A class sitting at 15% against a 20% target is at -5 points.

In money: multiply the points by the total. With a sample total of 100,000, +6 points is about 6,000 above the target amount, and -5 points is about 5,000 below it. The target tree shows these gaps directly as target minus current for each class, so you do not need to work them out by hand.

The largest gaps are listed first. Very small ones, below roughly 2 percent of a class's target, are left out so the list stays readable.

What goes into the comparison

The comparison is only as good as the record behind it. These rules decide what is counted:

• Only holdings in the selected scope count: one portfolio, or all portfolios together.
• Each holding lands in a class according to its type, such as a fund, a share or a bond.
• Every holding is valued at its latest price and converted to one currency with the day's exchange rate, so a lira-priced fund and a dollar-priced ETF are measured on the same scale.
• Targets are saved to your account rather than to one device, so the same plan appears wherever you sign in.

Build a review habit

Drift usually builds up slowly, so a fixed review date tends to work better than checking every day. A simple routine:

Alphanta keeps the arithmetic; the judgement stays with you.

1. Pick a review date that suits you, for example once a quarter, and put it in your calendar.
2. Before the review, update quantities and sync any imported accounts so the record is current.
3. Open the target tree and note the gap for each class, in points and in money.
4. Check whether each gap sits inside the range you accept. Writing your own tolerance band next to each target, such as plus or minus 5 points, makes this step quick.
5. If your goals have changed, change the targets. Alphanta keeps whatever you save.

Questions

Does Alphanta suggest a target allocation?

No. You enter the targets yourself. Alphanta only calculates the difference between those targets and the holdings you have recorded. It does not give investment advice.

What is the difference between drift in points and drift in money?

Points compare shares: a 46% weight against a 40% target is +6 points. Money applies that gap to your total: with a sample total of 100,000, +6 points is about 6,000 above target.

Can I set targets for a single portfolio?

Yes. Select the portfolio with the portfolio selector before you open the target tree. Choose all portfolios to plan your whole record at once.

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• IBKR Flex Query import: connect Interactive Brokers read-only
• Dividend income calendar: dividends, coupons and rent by month

Educational content about using the software. Examples use sample numbers. Not investment advice.