Portfolio Risk & Allocation Analyzer
Analyze your current portfolio allocation and get specific rebalancing recommendations based on your age and risk tolerance.
Portfolio Risk & Allocation Analyzer
Analyze your current portfolio allocation and get specific rebalancing recommendations based on your age and risk tolerance.
Act as a certified financial analyst (CFA). Analyze my investment portfolio and provide recommendations. My portfolio: - Age: [YOUR_AGE] - Risk tolerance: [CONSERVATIVE / MODERATE / AGGRESSIVE] - Investment timeline: [X] years until I need this money - Current holdings: [LIST EACH: Fund/Stock Name — Amount — % of portfolio] Example: - S&P 500 Index Fund — $50,000 — 45% - International Index — $20,000 — 18% - Bond Fund — $15,000 — 14% - Individual Stocks — $25,000 — 23% Analyze: 1. **Current Allocation** — Am I properly diversified? Sector/geography concentration risks? 2. **Age-Appropriate Mix** — Does my stock/bond ratio match my timeline? 3. **Expense Ratio Audit** — Am I paying too much in fund fees? 4. **Rebalancing Plan** — Specific changes with dollar amounts 5. **Missing Asset Classes** — What am I not exposed to that I should be? 6. **Worst-Case Scenario** — Estimated portfolio drawdown in a 2008-level crash 7. **Tax Efficiency** — Are my assets in the right account types? Be specific with fund suggestions (use index funds when possible).
Example AI Output
“ANALYSIS: Your 23% individual stock allocation adds concentrated risk. At age 32 with aggressive tolerance, target: 80% stocks / 15% bonds / 5% alternatives. REBALANCING: Move $10,000 from individual stocks to Total International Index...”
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Cross-check AI results with precise financial math
How to Use This Prompt
- 1Copy the prompt above using the "Copy Prompt" button
- 2Replace all [BRACKETED] placeholders with your actual numbers
- 3Open ChatGPT (or Claude) and paste the prompt
- 4Review the AI output and ask follow-up questions to refine
- 5Verify key numbers with our free calculator for precision
Pro Tips for Better Results
- Include ALL investment accounts (401k, IRA, brokerage)
- Ask follow-up: "How does this change if I plan to retire at 45?"
- This is educational — confirm major moves with a licensed advisor
Who Should Use This Prompt
- •DIY investors wanting a professional-level portfolio review
- •Anyone who hasn't rebalanced in over a year
- •People inheriting money and unsure how to invest it
- •Investors wondering if they're taking too much or too little risk
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Disclaimer: AI-generated financial analysis is for educational purposes only. Always verify important calculations and consult a licensed financial professional before making financial decisions. Prompts are provided as-is with no guarantee of accuracy.