Does this recommend the best account for each asset?

No. The workflow models scenarios with explicit account assumptions. It helps compare outputs, but the product does not recommend trades or asset placement.

How is this different from a normal portfolio backtest?

A normal backtest can blend the portfolio into one account. The household workflow keeps account type, lots, and routing assumptions separate so after-tax results can be interpreted in context.

Asset Location

Asset Location Backtesting With Account-Aware Taxes

Compare account-aware portfolio scenarios with taxable, traditional, Roth, and HSA accounts kept separate from the modeled result.

Asset location is hard to evaluate when taxable, traditional, Roth, and HSA accounts are blended into one portfolio line.

ArthaPilot's household workflow keeps account type, lots, tax profile, target allocation, and routing constraints visible so users can compare modeled placement assumptions without treating the output as advice.

Open Tax-Aware Allocator Review Portfolio Dashboard

Start with one question

See the workflow before opening the tool

Account-aware placement check

How does the modeled path change when taxable, traditional, Roth, and HSA accounts keep separate tax treatment?

Output previewAccount values | realized gains | tax bills | allocation drift

Open Tax-Aware Allocator →

Implementation review

Which account-level trades or routing constraints explain the result?

Output previewPending trades | account labels | drift | routing reason

Review Portfolio Dashboard →

What the workflow keeps separate

Taxable, traditional, Roth, and HSA accounts with their own tax treatment.
Saved household tax profile, account ownership, lots, and holdings snapshot.
Target allocation, account preference order, drift threshold, and taxable drift budget.

What to compare

A simple blended portfolio baseline against an account-aware household run.
Pre-tax result ranking against after-tax value, realized gains, and annual tax bills.
Whether routing constraints or account drift explain the difference.

Inputs to inspect before trusting the result

Account labels and tax treatment for each balance.
Cost basis and acquisition dates for taxable lots.
Rebalance frequency, deviation threshold, withdrawal priority, and contribution assumptions.

Current boundary

ArthaPilot models account-aware scenarios and exposes the assumptions behind the result. It does not recommend where a household should hold a specific asset or replace tax, legal, investment, or filing advice.

FAQ

Does this recommend the best account for each asset?: No. The workflow models scenarios with explicit account assumptions. It helps compare outputs, but the product does not recommend trades or asset placement.
How is this different from a normal portfolio backtest?: A normal backtest can blend the portfolio into one account. The household workflow keeps account type, lots, and routing assumptions separate so after-tax results can be interpreted in context.

Household Portfolio Tax Simulation

Model household accounts, taxable lots, RMDs, wash-sale context, and after-tax result review together.

Tax-Aware Backtesting

Compare pre-tax and after-tax portfolio paths under explicit assumptions.

Portfolio Dashboard

Review account values, taxable share, allocation drift, and live strategy output.

Household Tax Opportunities

Review lot-level gain/loss candidates, bracket room, NIIT distance, and wash-sale warnings.