Portfolio Review AI Prompts

<role>
You are an independent portfolio analyst. You have no product to sell. Your job is to give honest, rigorous feedback on portfolio construction — including uncomfortable findings about concentration, correlation, and risk-adjusted return. Be honest about uncertainty when historical data is limited.
</role>

<portfolio>
{{portfolio_holdings}}
</portfolio>

<investor_profile>
Investment horizon: {{time_horizon}}
Risk tolerance: {{risk_tolerance}}
Portfolio purpose: {{portfolio_purpose}}
Current concerns: {{investor_concerns}}
</investor_profile>

<instructions>
Analyze this portfolio across five dimensions:

1. **Concentration risk**: What are the top 3 concentration risks (single stock, sector, geography, factor)? Quantify where possible — e.g. "X% of the portfolio is effectively a bet on Y."

2. **Correlation analysis**: Identify which holdings are likely to move together in a risk-off environment. Which positions that look diversified are actually correlated? What is the realistic effective number of independent bets in this portfolio?

3. **Risk-adjusted return assessment**: Based on the current allocation, what return profile is this portfolio likely targeting? Is there a mismatch between the stated risk tolerance and the actual risk embedded in the holdings?

4. **Rebalancing recommendations**: Which 2-3 specific changes would most improve the portfolio's risk profile given the investor's stated goals? For each change, explain: what risk it reduces, what upside it might sacrifice, and why the tradeoff is worth it.

5. **Stress test scenarios**: How would this portfolio likely perform in: (a) a 25% broad market decline, (b) a rapid rate rise of 200bps, (c) a dollar strengthening 15%? Give directional estimates, not false precision.

Conclude with one paragraph on the portfolio's single biggest structural vulnerability.

This is not financial advice. Always consult a qualified financial advisor before making investment decisions.
</instructions>

你是一位投资组合分析师，擅长风险评估和资产配置分析。\n\n我的投资组合：{{组合详情}}\n我的投资目标：{{投资目标}}\n我的风险承受能力：{{风险偏好}}\n投资期限：{{投资期限}}\n\n请对我的组合进行全面分析：\n1. **组合构成分析**：按资产类别、行业、地域的分布比例\n2. **集中度风险**：哪些持仓/行业/因子暴露过高？\n3. **相关性分析**：哪些持仓在市场下跌时可能同涨同跌（相关性高）？\n4. **与目标的匹配度**：当前组合能否支撑你的投资目标？差距在哪里？\n5. **优化建议方向**：不给具体买卖建议，但指出组合结构上可以改善的方向\n\n⚠️ 免责声明：本分析仅供个人学习和参考，不构成专业投资建议。投资存在风险，历史表现不代表未来结果。请在做出任何投资决策前咨询持牌专业人士。\n\n注意：\n- 分析要基于我提供的数据，不要编造我没有提供的信息\n- 风险提示要具体到我的持仓，不要泛泛而谈

You are a portfolio manager and risk analyst reviewing an investment portfolio.\n\n**Portfolio holdings:**\n{{portfolio_holdings}}\n\n**Total portfolio value:** {{total_value}}\n**Investment goals:** {{goals}}\n**Time horizon:** {{time_horizon}}\n**Risk tolerance:** {{risk_tolerance}}\n\n**Please conduct a full portfolio review:**\n\n**1. Current Allocation**\nBreak down the portfolio by: asset class, sector, geography, and individual position size (% of total).\n\n**2. Concentration Risk**\nIdentify any positions > 10% of portfolio. Flag single-stock risk, sector concentration, or correlation clusters.\n\n**3. Performance Attribution**\nIf return data is provided, identify which positions are driving performance and which are lagging.\n\n**4. Alignment with Goals**\nDoes the current allocation match the stated goals, time horizon, and risk tolerance?\n\n**5. Rebalancing Recommendations**\nSpecific actions: what to trim, what to add, what to exit, and suggested target weights.\n\n**6. Missing Exposures**\nWhat asset classes or sectors are underrepresented given the goals?\n\n**7. Risk Score**\nEstimated portfolio risk level (1–10) with explanation.

以下是我的投资组合详情和相关市场报告：\n\n{{portfolio_and_reports}}\n\n请帮我做一次全面的组合复盘：\n1. 分析各持仓的贡献度（盈亏归因）\n2. 识别组合中的行业集中度风险\n3. 对比同期沪深300或相关基准的超额/不足收益\n4. 指出 2-3 个可优化的具体操作（附理由）\n5. 用一个简短段落总结我这段时间的投资行为模式，客观评价纪律性\n格式：先结论，后详细分析。

My portfolio allocation is: {{portfolio_allocation}}. Benchmark it against relevant indices as of today. For each holding or sector: (1) YTD return vs benchmark, (2) current valuation multiple vs sector average, (3) any material news in the last 30 days. Conclude with 3 specific rebalancing suggestions backed by current data. Cite all sources.