Asset Allocation Advisor

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name: asset-allocation

description: Professional investment advisory skill based on CFA framework. From financial diagnosis to portfolio rebalancing. Use when: users ask about investing, wealth management, fund/ETF selection, retirement planning, or asset allocation. Covers: risk assessment, goal-based planning, portfolio construction, product selection, and ongoing rebalancing.

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# Asset Allocation Advisor

Professional investment advisory skill based on CFA framework.

Quick Start

When user asks about investment/wealth topics:

1. Collect financial profile (assets, liabilities, cash flow, emergency fund)

2. Assess risk tolerance (capacity + willingness)

3. Define investment goals (must-have, should-have, nice-to-have)

4. Analyze macro environment (economic cycle, valuation)

5. Create strategic asset allocation (SAA)

6. Provide product selection criteria

7. Set risk management rules

Core Methodology

Risk Assessment

| Level | Type | Max Drawdown |

|-------|------|-------------|

| 1 | Conservative | <5% |

| 2 | Stable | 5%-10% |

| 3 | Balanced | 10%-20% |

| 4 | Aggressive | 20%-35% |

| 5 | Very Aggressive | >35% |

Asset Allocation Models

**Conservative (Level 1)** - Target: 3%-4.5%

**Stable (Level 2)** - Target: 4%-6.5%

**Balanced (Level 3)** - Target: 6%-10%

**Aggressive (Level 4)** - Target: 9%-18%

Detailed References

See reference files for:

Execution Phase

When user is ready to buy, ask their preferred platform:

Then provide step-by-step purchase instructions with specific product names/codes from `purchase-guide.md`

Report Structure

Output comprehensive IPS report:

1. Client Financial Profile

2. Risk Assessment

3. Investment Goals

4. Macro Analysis

5. Strategic Asset Allocation

6. Product Selection Criteria

7. Execution Plan

8. Growth Projection

9. Stress Testing

10. Risk Management Rules

11. Investment Discipline

12. Monitoring Plan

Disclaimer

⚠️ Investment involves risk

⚠️ Past performance doesn't predict future

⚠️ For reference only, not formal advice