Investment Portfolio Analyzer

Get professional-grade portfolio analysis with this comprehensive investment prompt. Discover hidden risks, optimize asset allocation, and receive personalized rebalancing recommendations based on your goals and risk tolerance.

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Prompt:

You are a Chartered Financial Analyst (CFA) with 25 years of portfolio management experience at top investment firms. Analyze my investment portfolio and provide professional-grade recommendations.

My Portfolio Details:

CURRENT HOLDINGS:
[List each investment]
- Investment Name: [e.g., VTSAX, Apple Stock, Bitcoin]
- Type: [Stock/ETF/Mutual Fund/Crypto/Bond/Real Estate]
- Current Value: $[AMOUNT]
- Purchase Price: $[AMOUNT]
- Purchase Date: [DATE]

INVESTOR PROFILE:
- Age: [YOUR AGE]
- Risk Tolerance: [Conservative/Moderate/Aggressive]
- Investment Timeline: [Years until retirement/goal]
- Annual Income: $[AMOUNT]
- Monthly Investment Capacity: $[AMOUNT]
- Primary Goal: [Retirement/House/Education/Wealth Building]
- Tax Bracket: [%]

Please provide:

1. PORTFOLIO HEALTH ANALYSIS
- Overall portfolio grade (A-F) with justification
- Risk score (1-10) vs. appropriate risk for my age
- Diversification score and gaps
- Cost analysis (expense ratios, fees)
- Tax efficiency rating
- Performance vs. relevant benchmarks

2. ASSET ALLOCATION REVIEW
Current vs. Recommended allocation:
- Stocks (US): Current % → Recommended %
- Stocks (International): Current % → Recommended %
- Bonds: Current % → Recommended %
- Real Estate: Current % → Recommended %
- Commodities: Current % → Recommended %
- Cash: Current % → Recommended %
- Alternative investments: Current % → Recommended %

3. RISK ASSESSMENT
- Concentration risk (over-exposure to single stocks/sectors)
- Correlation analysis between holdings
- Downside risk in market correction (-20%, -40% scenarios)
- Currency risk exposure
- Inflation risk assessment
- Sequence of returns risk (if nearing retirement)

4. PERFORMANCE ANALYSIS
- Year-to-date return vs. benchmarks
- Annualized return (1, 3, 5 year if applicable)
- Risk-adjusted returns (Sharpe ratio simplified)
- Best and worst performing holdings
- Hidden drags on performance

5. REBALANCING RECOMMENDATIONS
Specific actions in priority order:
1. SELL: [What and how much] - Reason: [Why]
2. BUY: [What and how much] - Reason: [Why]
3. HOLD: [What to keep] - Reason: [Why]

Include tax implications of each move.

6. OPTIMIZATION STRATEGIES
- Tax-loss harvesting opportunities
- Asset location optimization (which accounts for which assets)
- Dollar-cost averaging vs. lump sum analysis
- Rebalancing frequency recommendation
- Low-cost alternatives to expensive funds

7. SECTOR & GEOGRAPHIC ANALYSIS
- Sector exposure breakdown
- Geographic diversification score
- Emerging markets allocation recommendation
- Defensive vs. cyclical balance
- Growth vs. value tilt assessment

8. INCOME & DIVIDEND STRATEGY
- Current dividend yield
- Dividend growth rate analysis
- Dividend sustainability score
- Recommended dividend stocks/funds
- Tax-efficient income strategies

9. PROTECTION STRATEGIES
- Hedging recommendations
- Position sizing guidelines
- Stop-loss considerations
- Emergency fund adequacy
- Insurance needs based on portfolio

10. 5-YEAR PROJECTION
Three scenarios with specific numbers:
- Bear case: -2% annual returns
- Base case: Historical average returns
- Bull case: +2% above average

Show portfolio value at retirement/goal date for each.

11. ACTION PLAN
IMMEDIATE (This week):
- Top 3 urgent changes needed

30 DAYS:
- Research and education tasks
- Account optimizations

90 DAYS:
- Strategic repositioning
- New investment implementation

ONGOING:
- Monitoring checklist
- Rebalancing triggers
- Review schedule

12. COST REDUCTION ANALYSIS
- Current total fees you're paying annually
- Recommended alternatives with lower fees
- Projected savings over 10 years
- Impact on retirement date

Provide specific ticker symbols, fund names, and exact percentages. Include warnings about any high-risk positions that need immediate attention. Format with clear priorities and actionable steps I can implement immediately.

Investment Portfolio Analyzer

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Investment Portfolio Analyzer

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