AI Prompt to Find the Risks in Your Portfolio

What you need

You need an itemized list of your financial holdings, including ticker symbols, asset types, cash balances, and geographic exposure where known. List employer equity shares, digital assets, personal loans, and residential real estate along with your liquid index funds.

State the primary trading currency for each investment account. If you hold foreign stocks or exchange-traded funds listed abroad, identify whether their earnings depend on domestic consumers or multinational revenues. Note whether your mortgage or debt carries a fixed or floating interest rate, because variable borrowing rates interact directly with portfolio risk when central banks tighten credit. Note any private equity stakes or business assets that cannot be liquidated quickly during an emergency.

Use the snapshot block below to format your data. Copy the template, fill in your balances, and paste it into your AI session alongside the prompt text below.

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 a risk analyst. Using only my snapshot above, find what I am most exposed to.

1. Calculate my exposure by holding, by category, by currency and by country, as
   far as my data allows. Say where the data runs out.
2. Identify the three largest single points of failure in my position.
3. For each one, describe a specific plausible scenario and estimate roughly what
   it would do to my net worth.
4. Point out any correlation I may have missed, where things I think are separate
   would fall together.
5. Explain which risks are worth carrying for someone building long-term wealth
   and which ones pay nothing for the danger.

Present evidence before conclusions. Do not tell me to sell anything. Ask for
anything missing.

What good output looks like

The output should begin with four structured exposure tables: by individual holding, by asset class, by currency, and by sovereign country. It states where your provided data runs out, such as noting that an international stock fund conceals underlying emerging market currency risks.

Next, the model identifies your three largest single points of failure. These are vulnerabilities capable of permanently impairing your wealth, such as holding more than twenty percent of net worth in a single company stock, keeping uninsured cash deposits at one regional bank, or carrying variable debt against illiquid assets.

For each point of failure, the model describes a plausible real-world scenario and estimates the resulting drawdown on your net worth in percentage and currency terms. For example, it might model what a thirty percent drop in local property prices combined with a ten percent decline in your domestic currency does to your overall solvency.

The hidden correlation section must expose false diversification. It highlights assets you perceive as distinct that fall together during liquidity crunches, such as high-yield corporate debt and growth equities declining in tandem when interest rates spike.

The output closes by separating compensated risks from uncompensated risks. It explains why carrying broad equity market volatility pays an expected risk premium over decades, whereas holding concentrated single-stock or unhedged currency risk pays nothing extra for the hazard.

What this can't tell you

This prompt cannot access real-time correlation matrices or calculate proprietary value-at-risk mathematical models. Language models evaluate risk based on static conceptual relationships rather than daily historical covariance figures.

The model cannot view debt covenants or margin maintenance requirements inside your brokerage accounts. It does not know whether your custodian holds assets in segregated nominee structures or commingles balances. It has no insight into your personal risk tolerance or whether a temporary market drop would cause you to abandon your long-term plan. It cannot evaluate private business liabilities or personal guarantees that might impair your personal assets during economic downturns. Language models frequently make arithmetic errors when summing cross-currency exposures, so double-check the percentages.

Doing this without the retyping

Auditing portfolio vulnerabilities with external chatbots means re-entering every ticker, account balance, and currency label whenever market values fluctuate. In Sumio, this risk review is one of sixty-two prompts built directly into the app. It analyzes your exposure with one tap against the holdings you already track, keeping risk evaluations current with live market pricing. Your financial records stay stored on your device, with no account required and no ads.