Hi Neko, Maybe this is interesting: Paul B. Farrell's Lazy Portfolios, which also contains the UBaHp: http://www.marketwatch.com/lazyportfolio Also relevant for EoY rebalancers : 10 Important Things to Know About Portfolio Rebalancing http://seekingalpha.com/article/178964-10-important-things-to-know-about-portfolio-rebalancing?source=feed Kind Regards, K