AI Prompt to Explain One Asset Category in Plain Words and Show What Its Holdings Share

What you need

Use the snapshot template below and list only the holdings in this category in the ASSETS section, with today's values in one currency. Leave out the rest of what you own and leave liabilities empty.

Name funds in full, and add the ISIN where you have it. An ISIN is the 12-character code on a fund's factsheet that identifies it exactly; it lets the model recognize the fund instead of guessing from a short name that several funds share. If you know a fund's main contents, for example "world shares" or "euro government bonds", add that in a few words.

The total of all your assets lets the explanation say how much of your wealth depends on this one category. A rounded figure from your own records is enough.

Add these two lines below the snapshot:

• Category name: [e.g. Stocks and ETFs, Pension, Precious metals]
• Total value of all assets: [amount]

Here is my financial snapshot. Use only these numbers.

Currency: [e.g. EUR]
Date: [today's date]
Age: [optional]

ASSETS
[name] — [category: cash / stocks / ETFs / crypto / property / metals / other] — [value]
[name] — [category] — [value]
...

LIABILITIES
[name] — [type: mortgage / car loan / credit card / student loan / other] — [outstanding balance] — [interest rate if known]
...

CONTEXT (optional but improves the answer)
Monthly income after tax: [amount]
Monthly spending: [amount]
Amount I add to savings or investments each month: [amount]
Value of the same assets 12 months ago: [amount]

The prompt

Copy this exact text and paste it into ChatGPT, Claude or Gemini directly beneath your snapshot block.

You are explaining one category of my assets to someone who knows no financial
terms. Using only my snapshot above, which lists everything in this category
and nothing else, and the lines below:

Category name: [e.g. Stocks and ETFs, Pension, Precious metals]
Total value of all assets: [amount]

Work in this order and give no verdict before step 5.
1. Facts: the category's total, the number of holdings, each holding's value
   and share of the category, and the category's share of all my assets.
2. Meaning: what this kind of category is for (growth, income, stability,
   quick access to money or protection against inflation) and what each
   holding adds. Define every term the first time you use it.
3. Overlap: where holdings contain the same companies, countries or
   currencies, and whether holdings that look different depend on the same
   things going well. Describe concentration neutrally.
4. Gaps: what is missing or uncertain, such as fund contents, fees, purchase
   prices or how long I plan to hold.
5. Conclusion: a short plain summary and up to three points I may want to
   review.

Do not invent fund contents, fees or returns; if you are not sure what a fund
holds, say so. Ask for missing figures. No buy, sell or hold instructions.

What good output looks like

The facts come first, as a small table. Say your Stocks and ETFs category holds a world equity ETF at €30,000, an S&P 500 ETF bought in dollars, now $12,960, converted at 1.08 to €12,000, and Apple shares at €6,000. The answer should show €48,000 across three holdings, split 62.5%, 25% and 12.5%, and, with total assets of €160,000, a category share of 30%.

The meaning section explains each line in ordinary words. An ETF becomes a basket of many companies' shares bought in one go, and the S&P 500 becomes the 500 large US companies the index follows, each term defined once and then used.

The overlap section is where the answer earns its keep. It should notice that Apple sits inside both ETFs as well as on its own line, and that the world fund also holds a large share of US companies, so most of the category depends on the US stock market and the dollar despite looking like three separate holdings. It should say this without calling it good or bad.

The gaps section names what it could not check, for instance the world fund's exact country weights or your purchase prices.

Only then comes the conclusion: a few sentences and at most three review points, such as checking the fund factsheets for the combined US weight.

What this can't tell you

The model cannot open fund factsheets unless your chat tool can browse, so what it says about a fund's contents may come from memory and be out of date. Fund holdings change over time; treat any overlap estimate as approximate and confirm it on the provider's site.

Plain language trims detail. Share classes, currency hedging (protection against exchange rate moves built into some funds) and a fund's legal structure can matter, and a simple explanation may skip them.

The explanation covers one category. Its share of your wealth depends on the total you typed, and debts or assets outside the category are invisible to it. It gives no view on tax in your country, and it can misstate a percentage, so check the table.

Doing this without the retyping

Explaining a category by hand means copying its holdings out of each account and keeping the list in step with what you buy and sell. This prompt is one of the 62 built into Sumio, called "Asset Category Explained in Plain Language", and it runs on one asset category you keep in Sumio, with its holdings already tracked. The AI assistant is part of Sumio Premium. Records are stored on your device; running it sends the figures it needs to an AI provider.