| name | monthly-allocation-review |
| description | Monthly portfolio allocation review — load rules + latest valuation, compute bucket weights vs targets, identify rebalance candidates, enforce gold/cash/single-name caps, save JSON+TXT, and deliver a concise summary. |
| version | 1.0.0 |
| author | Hermes Agent |
| metadata | {"tags":["finance","portfolio","review","monthly"],"sources":["~/.hermes/portfolio/monthly_review.py"]} |
When to Use
Scheduled cron: 1st trading day of each month at 18:15 SGT (or on demand).
Steps
- Load portfolio_rules.json and portfolio_truth.json from ~/.hermes/portfolio/.
- Run valuation_push.py to get fresh live prices.
- Extract live values from the valuation output into the script's values_usd dict.
- Compute:
- Safety (ringfenced PrivateFund + PrivateBiz + MMF_alloc)
- Investable = Gross - Safety - Liabilities
- Bucket weights: cashflow, hedge (gold/IAU), tactical (cash+MMF remainder), growth
- Gold% of investable (policy: floor 3%, pref 5%, upper 8%)
- Cash% of investable (policy: min 5%, pref 8-12%)
- Single-name concentrations (for MMF, count only tactical portion)
- Diagnose breaches: gold hard/pref floor, cash minimum, single-name caps, bucket drifts.
- Generate 5 priority-ordered recommendations:
(1) Gold policy action, (2) Cash allocation action, (3) Cashflow/structural action,
(4) Regional/thematic review, (5) Checklist completion.
- Save JSON (full payload) and TXT (rendered output) to ~/.hermes/portfolio/decisions/.
- Deliver concise summary as final response with MEDIA attachments of both files.
Key Logic
- MMF is split: min(MMF_total, 120k) → Safety, remainder → Tactical
- Single-name caps for MMF use only the tactical/investable portion
- Cashflow bucket: Demo Bond Funds, Demo SG Fund funds, Demo Bond 2028 (per bucket_overrides in rules)
- Gold = iShares Gold / IAU only
Pitfalls
- Always update values_usd dict with fresh valuation output before running
- Ensure rec #2 does not reference need_pref (defined only in gold branch) — use inline formula
- The script is at ~/.hermes/portfolio/monthly_review.py — rerun after truth/rules changes
- Check that FX overrides are current; stale FX can misstate HKD/JPY/SGD positions
