📁 Finance
Investment Portfolio Prompt: Allocation Check From Holdings
Paste your holdings, target mix, and contributions to get allocation math, drift, concentration and fee checks, and questions for an advisor. Not advice.
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Prompt
Act as a portfolio analyst who prepares review notes for clients before they meet a fee-only fiduciary advisor. You do the math on what I own and you point out questions, but you do not tell me what to buy or sell, and you never predict returns. This is educational analysis, not investment, tax, or legal advice. Inputs: - Holdings: name or ticker, asset class, account type (taxable, 401(k), IRA, Roth), current value, and expense ratio if known: [Holdings] - My target allocation by asset class, or "none yet": [TargetMix] - Monthly or yearly new money I add, and where it goes: [Contributions] - Cost basis for taxable holdings, if known: [CostBasis] - Time horizon, what the money is for, and how I felt in the last big market drop: [GoalAndComfort] - Anything I must keep (employer stock rules, lockups, pension): [Constraints] Generate: 1. Snapshot table: each holding, value, percent of total, asset class. Show the total and check that percentages add to 100. 2. Allocation vs target: current percent, target percent, drift in points, and dollars over or under target for each class. Show the arithmetic. 3. Concentration check: any single holding or employer stock above 10 percent of the total, and overlap between funds that hold the same stocks. 4. Fee check: yearly cost in dollars for each fund (value times expense ratio) and the total weighted expense ratio. 5. Contribution path: how many months of my current Contributions, sent to the underweight classes, would close the gap without selling anything. 6. Tax awareness: which moves would happen inside tax-advantaged accounts and which would realize gains in taxable accounts, with the gain amount from CostBasis. Do not calculate tax owed; flag it for a tax professional. 7. Fit questions: 5 questions about whether TargetMix fits GoalAndComfort that I should answer or bring to an advisor. 8. Missing data: anything you could not calculate and what I need to look up. Rules: - Use only the numbers I give. If a value is missing, say so instead of estimating. - No predictions of returns, prices, or market direction, and no product recommendations. - Round percentages to one decimal and dollars to the nearest dollar.
Instructions
Paste the prompt into ChatGPT, Claude, or Gemini with numbers from your latest statements, then check every calculation yourself. This is educational analysis, not investment advice; bring the questions to a fee-only fiduciary advisor or tax professional before you make changes.
Generated Output
This image was generated using the prompt above.
Examples
Example Input
Holdings: - US total stock market index fund, 401(k), $54,000, expense ratio 0.03% - International stock index fund, IRA, $12,000, expense ratio 0.08% - Employer stock from RSU vests, taxable brokerage, $18,000, no fund fee - US bond index fund, 401(k), $9,000, expense ratio 0.05% - High-yield savings (cash), $7,000 TargetMix: 55% US stock, 25% international stock, 15% bonds, 5% cash Contributions: $1,000 a month into the 401(k) CostBasis: employer stock basis $11,000 GoalAndComfort: retirement in about 25 years; in the last big drop I did not sell but I lost sleep Constraints: company blackout windows around earnings for selling employer stock
Example Output
Educational analysis only, not investment, tax, or legal advice. 1. SNAPSHOT (total $100,000) US total stock index | $54,000 | 54.0% | US stock International index | $12,000 | 12.0% | Intl stock Employer stock | $18,000 | 18.0% | US stock US bond index | $9,000 | 9.0% | Bonds Savings | $7,000 | 7.0% | Cash Check: 54 + 12 + 18 + 9 + 7 = 100.0% 2. ALLOCATION VS TARGET US stock: 72.0% (54 + 18) vs 55% target, +17.0 points, $17,000 over ($72,000 vs $55,000) Intl stock: 12.0% vs 25%, -13.0 points, $13,000 under ($12,000 vs $25,000) Bonds: 9.0% vs 15%, -6.0 points, $6,000 under ($9,000 vs $15,000) Cash: 7.0% vs 5%, +2.0 points, $2,000 over ($7,000 vs $5,000) Drifts sum: 17 - 13 - 6 + 2 = 0 3. CONCENTRATION Employer stock is 18.0% of the total, above the 10% flag. Your paycheck and this holding depend on the same company. The US index fund also holds your employer if it is a US public company, so actual exposure is slightly higher than 18%. 4. FEES US index: $54,000 x 0.03% = $16.20 a year International: $12,000 x 0.08% = $9.60 Bonds: $9,000 x 0.05% = $4.50 Employer stock and savings: no fund fee listed Total: $30.30 a year, weighted expense ratio 0.03% of $100,000. Fees are not a problem here. 5. CONTRIBUTION PATH Underweight gap today: $13,000 + $6,000 = $19,000, but targets grow as the total grows. With US stock held at $72,000, the mix reaches about 55/25/15/5 at a total near $131,000, when international plus bonds need about $52,400 (40%) versus $21,000 now. That is about $31,400 of new money, or about 32 months at $1,000 a month if every contribution goes to international and bonds. Note: the international fund is in the IRA, so 401(k) money can only reach it if your 401(k) menu has an international fund. Check the plan menu. 6. TAX AWARENESS Moves inside the 401(k) and IRA do not realize taxable gains. Selling employer stock in the taxable account realizes a gain: $18,000 - $11,000 = $7,000. Holding period and tax rate matter; ask a tax professional before selling, and plan around your blackout windows. 7. FIT QUESTIONS - Your target puts 80% in stocks (55 + 25) and you hold 84% today (72 + 12). You lost sleep in the last big drop. Is 80% the right level for you? - How much employer stock are you comfortable holding, as a percent of everything? - Is the $7,000 savings an emergency fund? If so, should it count in the portfolio at all? - Does your 401(k) offer an international or bond fund so contributions can rebalance? - Would you rather rebalance slowly with new money or faster by selling? 8. MISSING DATA Holding periods for employer stock lots, the 401(k) fund menu, and whether you hold any other accounts.