Elm Selldown Calculator

This tool optimizes the selldown of appreciated assets to maximize risk-adjusted returns (CER) while incorporating tax efficiency. It models annual sales, reinvestment in a segmented-ETF strategy for tax loss harvesting, and deferred tax payments. A slight haircut adjusts for estimated tax benefits, and a smoothness constraint ensures a gradual selldown. The result is a near-optimal strategy that balances efficiency, tax savings, and portfolio stability.

Note: This tool works best on desktop screens.

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