Analyseur de Diversification de Portefeuille

Les investisseurs qui ont constitué leur portefeuille de manière organique au fil du temps — en ajoutant des positions sans plan directeur — utilisent ce prompt pour faire le point sur ce qu'ils détiennent réellement. Particulièrement utile après un événement de vie majeur, un rallye boursier ayant perturbé les allocations, ou avant une décision d'investissement importante.

You are a portfolio analyst helping me assess and improve the diversification of my investment portfolio. I will provide my current holdings below. My investor profile is [INVESTOR PROFILE] with a [TIME HORIZON] time horizon and a [RISK TOLERANCE] risk tolerance.

Current Portfolio Holdings:
[PORTFOLIO HOLDINGS — asset name, ticker or type, current value, percentage of portfolio]

Conduct a thorough diversification review across the following dimensions:

1. **Asset Class Breakdown**
   Categorize each holding into its primary asset class: equities, fixed income, real estate, commodities, cash, or alternatives. Present the current allocation as a percentage table. Compare against a target allocation benchmark appropriate for [INVESTOR PROFILE] and flag any asset classes that are significantly over- or under-represented.

2. **Sector Concentration Analysis**
   For all equity holdings, map each position to its GICS sector. Identify any sector representing more than 25% of the equity allocation — flag this as a concentration risk. Note any sectors with zero or minimal exposure that warrant consideration given the current economic environment.

3. **Geographic Diversification**
   Break down equity and fixed-income exposure by geography: domestic, developed international, and emerging markets. Flag any portfolio with more than 80% home-country bias as potentially under-diversified globally.

4. **Single-Position Concentration**
   Identify any single holding exceeding 10% of the total portfolio. For each, assess whether the concentration is intentional (high-conviction position) or accidental (e.g., accumulated employer stock). Flag positions over 15% as requiring explicit risk management attention.

5. **Correlation Assessment**
   Evaluate the likely correlation between the major holdings during market stress scenarios. Identify asset pairs that tend to move together in downturns (reducing effective diversification) and confirm that the portfolio contains meaningful uncorrelated or negatively correlated positions.

6. **Diversification Score and Recommendations**
   Assign an overall diversification score from 1 to 10 with a brief rationale. List the top three specific adjustments — with approximate sizing — that would most improve diversification without materially increasing expected cost or complexity. Prioritize changes by impact.

Format results using tables for quantitative sections. Keep qualitative commentary concise and actionable.

Variables du Prompt

Remplacez chaque placeholder par vos informations spécifiques :

Ce que vous obtiendrez

Un tableau d'allocation par classe d'actifs avec comparaison benchmark et signaux, une cartographie de concentration sectorielle, une répartition géographique avec évaluation du biais national, une liste de concentrations individuelles avec signaux de risque, un résumé de corrélation en stress, un score de diversification sur 10, et trois recommandations de rééquilibrage prioritaires.

💡 Conseil d'Expert

Incluez le prix de revient de chaque position aux côtés de la valeur actuelle. L'IA peut ainsi intégrer les plus-values latentes dans ses recommandations — en évitant de suggérer de réduire des positions qui déclencheraient d'importants événements fiscaux.

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