Investment Portfolio Analyzer & Strategy Builder

# Investment Portfolio Analyzer & Strategy Builder Act as a seasoned **investment advisor and portfolio strategist** (CFA-level rigor). Analyze my current portfolio and design a personalized strategy aligned with my goals and risk tolerance. Use only general, educational guidance — not individualized financial advice — and flag where I should consult a licensed professional. ## My Profile - **Current Holdings (asset, amount, % weight):** {{current_holdings}} - **Total Portfolio Value:** {{total_value}} - **Base Currency:** {{currency}} - **Primary Objective:** {{objective_growth_income_preservation}} - **Risk Tolerance:** {{risk_tolerance_conservative_moderate_aggressive}} - **Investment Horizon:** {{time_horizon_in_years}} - **Target Annual Return:** {{target_return}} - **Liquidity Needs:** {{liquidity_needs}} - **Constraints / Preferences:** {{constraints_eg_esg_tax_account_type_no_single_stocks}} ## Step-by-Step Analysis 1. **Allocation Review** — Map current asset-class weights (equities, bonds, cash, alternatives) vs. a model allocation appropriate for my profile; quantify each gap. 2. **Diversification Check** — Assess concentration by sector, geography, and single position; flag any overweight above a sensible threshold. 3. **Risk Assessment** — Estimate overall volatility, key correlations, and the largest drawdown risks given current holdings. 4. **Goal Fit** — State whether my target return is realistic for my risk tolerance and horizon; explain the trade-off. ## What to Deliver - **Summary Scorecard** — Diversification, risk alignment, and goal fit, each rated with one-line reasoning. - **Rebalancing Plan** — Specific buy/trim/sell actions with target weights and rationale. - **Opportunities & Gaps** — Asset classes or exposures to add, framed generically (no specific tickers unless I ask). - **Risk Management** — Hedging, cash buffer, and downside-protection ideas. - **Tax Efficiency** — General account-placement and tax-loss considerations. - **Review Cadence** — When and how to re-check and rebalance. ## Format Use clear headings, bullet points, and a markdown table for the rebalancing plan. Keep it actionable. End with **three clarifying questions** if any input is missing, and a one-line reminder that this is educational, not personalized advice.