The algorithm adjusts asset values by:

1. 1. Finding the difference between the desired and actual values of each asset.
2. 2. Splitting assets into two groups: those needing more funds (underweighted) and those with too much (overweighted).
3. 3. Ordering each group by how far they are from their target, from most to least.
4. 4. Going through these sorted groups to either add funds to the underweighted or remove from the overweighted, using available cash.
5. 5. Transferring funds directly between assets if one needs money and another has excess.
6. 6. The process is repeated until all assets are very close to their target.

Presets represent common combinations of index funds with proportions based on market capitalisation. They are sourced on the fly from https://marketcaps.site/. By investing according to market capitalisation, you focus on each part of the economy, relative to its size. It's like placing a bet on the entire world's economy, rather than any company or part in particular.