The portfolio rebalancing app that watches each account for you

Enrich checks your accounts every day for allocation drift, idle cash, and tax-loss harvesting. When something needs attention, you get a clear list of trades to make in your own accounts. It stays read-only, so you stay in control of every order.

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Investing

Enrich is a portfolio rebalancing app that monitors your connected accounts daily for allocation drift, idle cash, and tax-loss harvesting opportunities. When your mix moves outside the limits you set, it builds a plain-English checklist of trades for each account. Enrich is read-only, so you review and place every trade yourself at your own brokerage.

What is rebalancing, and should you do it?

Rebalancing means adjusting your investments back to the mix you originally chose.

Over time, some holdings grow faster than others, so your portfolio slowly drifts toward whatever has been winning. Rebalancing brings it back in line, which keeps your risk close to what you actually planned for.

Here is why that matters.

Say you settled on 80% stocks and 20% bonds. After a strong run in stocks, you could be sitting at 90% stocks without having changed a thing. That feels fine until the market turns, because you are now taking on more risk than you signed up for. Rebalancing trims what has grown and tops up what has lagged, so your portfolio keeps matching your plan instead of quietly getting riskier.

It is not always worth doing the moment you notice drift, though.

In a taxable account, selling winners to rebalance can create a tax bill, and trading too often adds costs for little gain. So the goal is not to rebalance constantly. It is to rebalance when your mix has moved far enough to matter, and to do it in the most tax-friendly way you can. Figuring that out by hand is the tedious part, and it is what Enrich is built to handle for you.

How does Enrich know when to rebalance?

It tracks the value of every holding across your accounts each day and compares your real mix to the targets you set.

When a goal drifts past the limits you choose, idle cash builds up, a holding becomes a candidate for tax-loss harvesting, or a goal slips off track, Enrich sends an alert. You decide how sensitive these are, so you are not pinged for every market wiggle. You only hear about the changes that actually affect your plan.

When should you actually rebalance?

Research suggests you get more out of watching your mix and trading only when it moves outside a set range than from rebalancing on a fixed calendar.

In one study of opportunistic rebalancing (Daryanani, 2008), checking drift often and trading only when an allocation moved outside its range delivered more than twice the average benefit of a once-a-year rebalance, and with fewer trades. Enrich works this way. You set a comfort range around each target, where a large position can have a wider range than a small one, and Enrich watches daily and flags a rebalance only when it is worth doing.

Can you rebalance without selling?

Yes. Buy-only rebalancing uses your new contributions and idle cash to move toward your target, without selling anything.

If you would rather avoid realizing gains or triggering taxes, turn on buy-only rebalancing. Enrich directs your incoming cash toward the parts of your portfolio that are under target, bringing your mix back in line over time and putting idle cash to work instead of letting it sit. Research suggests cash and other safe holdings have often returned little after inflation over long periods (Cieslak and Pflueger, 2023), so cash left uninvested can quietly slow a plan down.

Can you control how Enrich builds the plan?

Yes. You set your preferences once, and Enrich builds every plan around them. Most people care about three things, and Enrich handles all of them:

Keep it tax-aware. Use new money instead of selling, or avoid sales that would create a tax bill.
Protect specific holdings. Tell Enrich to leave a position alone, and it works around it.
Set the boundaries. Rebalance one goal or your whole portfolio, and decide whether money can move between accounts.

If you have a more specific constraint, Enrich can usually account for it. Once the plan looks right, you get a task list for each account, and you place the trades. Enrich never trades for you.

What is tax-loss harvesting, and how does Enrich help?

Tax-loss harvesting means selling an investment that has declined in value to capture a tax-deductible loss while staying invested in a similar asset.

Done consistently, it can lower your tax bill and keep more money compounding. One long-run study (Chaudhuri and colleagues, 2020) estimated an average tax benefit of about 1.1% a year, and roughly 0.85% under more conservative assumptions. Enrich scans your taxable accounts for losses beyond a threshold you choose, flags the opportunity, and folds the trades into the same checklist you use to rebalance. You always decide whether and how to act.

Will Enrich place the trades for me?

No. Enrich is read-only and cannot move money or trade on your behalf.

You keep your existing brokerages and stay in control of every order. Enrich shows you what it sees and suggests specific actions, and you place the trades yourself. There is no percentage-of-assets fee and no trading authority.

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Frequently asked questions

Does Enrich rebalance my portfolio automatically?

No. Enrich monitors your accounts and tells you when and how to rebalance, but it is read-only. You place every trade yourself at your own brokerage.

Can Enrich rebalance across more than one account?

Yes. Enrich builds a single plan across all your connected accounts and gives you a trade checklist organized by account and brokerage.

Can I rebalance without selling or triggering a taxable event?

Yes. Buy-only rebalancing uses new contributions and idle cash to move toward your target without selling. You can also tell Enrich to avoid taxable sales or to hold specific positions.

How does tax-loss harvesting work in Enrich?

Enrich scans your taxable accounts for losses exceeding a threshold you set, flags the opportunity, and adds the trades to your checklist. You decide whether to act.

How much does Enrich cost?

Enrich is $5 a month or $50 a year, flat, with a free trial and no credit card to start. There are no AUM fees and no commissions. Pricing is $6.99 a month or $65 a year through Apple Pay to cover Apple’s App Store fee.