Hello, I am pretty much on the same boat . I am only using the smart Portfolio, but thinking about making slightly more active by changing Risk Profile every once in a while (at most 3-4 times a year). Obviously, there will be some transaction costs and I am OK with that. I was wondering if, there is any limitation how often and how many times a year you can adjust the portfolio between the 5 predefined risk levels? Any answers would be much appreciated. Thanks!