Target Portfolios are the firm-wide model portfolios you build once in Settings so every client file can use them. Open the user menu (top right), click Model Portfolios (pie chart icon), and you'll land at /model-portfolios. Anything you create here shows up inside every client's Planning > Investments > Target Portfolios tab as a read-only Advisor Portfolio, available to assign to accounts.
Where this lives
User menu > Model Portfolios. It's a firm-level setting, so changes here propagate to every client in your book.
What "Target Portfolio" means in Kerdora
A Target Portfolio is the benchmark you want a client's actual holdings measured against. Once assigned to an account, Kerdora compares actual allocation to the target and surfaces drift (the Compare tab and DriftBadge use this). Models built here are available to all your clients; clients and staff can't edit them from inside a client file.
The 4 built-in defaults
Every firm starts with 4 built-in models you can assign immediately:
Conservative: 20% US Stock, 10% Non-US Stock, 50% Bond, 20% Cash
Moderate: 40% US Stock, 20% Non-US Stock, 30% Bond, 10% Cash
Growth: 60% US Stock, 25% Non-US Stock, 10% Bond, 5% Cash
Aggressive Growth: 75% US Stock, 20% Non-US Stock, 5% Bond
These are read-only. If you want something different, create your own.
Creating a model
Click Create Model Portfolio in the top right. You'll fill in:
Name (required, e.g. "Moderate Growth")
Description (optional)
Definition Method: By Asset Class or By Holdings
You can't save until the total equals 100%.
By Asset Class vs. By Holdings
Two ways to define a target. Pick the one that matches how you think about models.
By Asset Class
Set target percentages across 9 asset classes: US Stock, Non-US Stock, Bond, Cash, Real Estate, Annuity, Business, Crypto, Other. The allocations must sum to 100%.
Good fit if you think about portfolios at the allocation level (e.g. "60/40 with a small alt sleeve") and don't care which specific funds the client holds, as long as the mix is right.
By Holdings
Add specific tickers with target weights (e.g. VTI 60%, VXUS 25%, BND 15%). Weights must sum to 100%. Kerdora resolves each ticker's underlying asset class exposure and shows a resolved asset-class allocation preview inside the client file.
Good fit if you run a specific model portfolio (a set of funds you actually want clients invested in). The Compare tab will then surface both per-ticker drift and the asset-class roll-up.
Which mode to use
Think in allocations, use whatever funds the client already owns: By Asset Class
Run a specific model you want clients to actually hold: By Holdings
You can have both kinds in the list at the same time, one per model. You're not locked into picking one approach for the whole firm.
Editing and deleting
Each card has a pencil (edit) and trash (delete) icon. If you delete a model, any account across any client assigned to it loses its target. Built-in defaults can't be edited or deleted.
What happens after you create one
The model shows up in every client file under Planning > Investments > Target Portfolios as an Advisor Portfolio. From there, you or your staff can assign it to accounts directly, or use Assignment Rules to target it by goal, time horizon, or tax status. Assigning the target is what lights up drift comparisons in the Compare tab.