Investment Portfolio Analyzer

Analyze investment portfolios for proper diversification, risk alignment, fee optimization, and rebalancing opportunities. Provides actionable recommendations based on your goals and risk tolerance.

Usage

Provide your portfolio holdings (assets, amounts, account types), investment goals, time horizon, and risk tolerance. The skill analyzes:

• Asset Allocation: Stocks, bonds, real estate, alternatives, cash percentages
• Sector Exposure: Technology, healthcare, financials, etc. concentration
• Geographic Diversification: US, international, emerging markets split
• Risk Metrics: Estimated volatility, max drawdown scenarios, correlation analysis
• Fee Analysis: Expense ratios, advisory fees, total cost of ownership
• Tax Efficiency: Asset location (which holdings in which account types)
• Rebalancing Plan: What to buy/sell to reach target allocation

Examples

1. Retirement Portfolio: "Analyze my 401k: 60% S&P 500 index, 20% bond fund, 15% international fund, 5% company stock. Age 35, retiring at 60. Currently $150K."

1. Taxable Account: "Review my taxable brokerage account: 10 individual tech stocks, 2 ETFs. Total value $80K. Looking for diversification and tax-loss harvesting opportunities."

1. Conservative Portfolio: "Analyze a portfolio for my parents (age 65): 40% bonds, 30% dividend stocks, 20% CDs, 10% REIT. $500K total. Need income generation."

1. Aggressive Growth: "Review my portfolio: 80% growth stocks, 15% crypto, 5% cash. Age 28, high risk tolerance, 30+ year horizon. $45K invested."

Guidelines

• Compare allocation to target based on age, goals, and risk tolerance
• Flag concentration risk: any single position over 10% of portfolio deserves scrutiny
• Calculate total fee drag and compare to low-cost index alternatives
• Consider tax implications of any rebalancing recommendations
• Note overlap between funds (many funds hold the same underlying stocks)
• Evaluate whether alternative investments actually provide diversification benefit
• This is educational analysis, not financial advice — recommend consulting a fiduciary advisor for major decisions