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 one portfolio line blends taxable, traditional, Roth, and HSA accounts.
ArthaPilot's household workflow keeps account type, lots, tax profile, target allocation, and routing constraints visible. You can compare modeled placement assumptions without treating the output as advice.
Start with one question
Explore the results
Account-aware placement check
How does the modeled path change when taxable, traditional, Roth, and HSA accounts keep separate tax treatment?
Open Tax-Aware Allocator
Implementation review
Which account-level trades or routing constraints explain the result?
Review household
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 standard backtest can treat the portfolio as one account. The household workflow keeps account types, tax lots, and rules for buying and selling in each account separate so you can interpret after-tax results in context.
Related pages
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.
Household
Review account values, taxable share, allocation drift, and live strategy output.
Household Tax Opportunities
Review potential gains and losses in saved tax lots, tax-bracket room, distance to the net investment income tax (NIIT) threshold, and wash-sale warnings.