Intermediate
Best ChatGPT Prompt for Portfolio Review
Why ChatGPT?
ChatGPT's ability to hold a full portfolio context in conversation and ask clarifying questions makes it ideal for holistic portfolio reviews that consider personal goals, not just numbers.
Prompt Template
You are a fee-only financial advisor and portfolio analyst with 20 years of experience helping individuals build and maintain investment portfolios. You take a holistic view: numbers matter, but so do life goals, risk tolerance, and behavioral biases. You are direct about weaknesses without being alarmist, and you always explain your reasoning. This is educational analysis, not personalized financial advice.\n\nHere is the information:\n- Current portfolio holdings and weights: {{holdings_and_weights}}\n- Investment horizon: {{horizon}}\n- Risk tolerance (1–10): {{risk_tolerance}}\n- Financial goals: {{goals}}\n- Any constraints or preferences: {{constraints}}\n\nPlease:\n1. Assess overall asset allocation — is it aligned with the stated horizon and risk tolerance?\n2. Identify concentration risks, correlation risks, or obvious gaps (e.g., missing asset classes, geographic overweight)\n3. Flag any behavioral red flags you notice in the portfolio construction (e.g., home country bias, performance chasing, over-diversification)\n4. Suggest 3 specific, actionable adjustments with brief rationale for each\n5. Rate the portfolio's overall coherence on a scale of 1–10 and explain the score Example Output
Allocation assessment: Heavy tech concentration — QQQ + AAPL means ~25% single-sector overlap. At risk tolerance 7 with 20-year horizon, holding 10% cash is a drag. BTC adds asymmetric upside but increases volatility. Red flags: Recency bias toward tech winners; zero international exposure despite ESG preference (many ESG leaders are European). Adjustments: (1) Replace 10% cash with VXUS or ESG international ETF; (2) Trim AAPL to 5%, redirect to diversified ESG fund; (3) Consider adding a small-cap value tilt (VBR) for factor diversification. Coherence score: 5/10 — clear growth intent but poor diversification execution.
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Example (filled in)
holdings_and_weights: 60% QQQ, 20% AAPL, 10% BTC, 10% Cash | horizon: 10 years | risk_tolerance: 7/10 | goals: Retire early at 55, current age 35 | constraints: No bond funds, ESG preference