review-portfolio

name

review-portfolio

description

Use when the user wants a holistic, conversational review of their portfolio — "walk me through my portfolio", "how am I doing overall", "give me an overview and some advice", "what should I be thinking about", a periodic check-in, or a goal/risk gut-check. Runs a short guided Q&A (horizon, drawdown comfort, goal) every session, then synthesizes the live snapshot and income audit into a plain-language overview with prioritized, interpretive advice — and journals each review with a date so it can recall what you expected last time and flag what changed. Use this even when the user just says "review my portfolio" or "let's do a check-in" without naming metrics. NOT for one-off mutations (add/sell, edit targets), structured drift tables, or income/tax config — those belong to assess-portfolio and tune-income.

⚠️ Outdated. The portfolio repo moved to a snapshot-based net-worth model (multiple institutions, ISIN categories, PDF ingest). This skill references the removed transaction/income CLI (add-buy, add-sell, import, income) and needs a rewrite. See docs/superpowers/plans/2026-06-19-multi-source-networth.md.

Review Portfolio

A guided, conversational portfolio review. Where assess-portfolio answers pointed questions with a structured table, this skill is the sit-down check-in: a short Q&A about where the user's head is, then a narrative overview, then prioritized advice framed as options — and it remembers, journaling each session so the next one can pick up the thread ("last time you expected to move cash into bonds; here's what actually happened").

When to use

• "Walk me through my portfolio" / "How am I doing overall?" / "Give me an overview"
• "What should I be thinking about?" / "Any advice?" / "Let's do a check-in"
• A periodic review ("it's been a quarter, review it") or a goal/risk gut-check
• Explicit /review-portfolio

What this skill does NOT do

• No mutations. Adding buys/sells, editing targets, cash, or tickers → assess-portfolio.
• No income/tax config. The income:, cash_interest_pct, tax: blocks → tune-income.
• No regulated advice. This skill inherits the same hard line as assess-portfolio: it does not recommend specific securities, predict prices, or time the market. Its "advice" is interpretive — drift vs the user's own targets, concentration, overlap, cash drag, goal-fit. If asked to pick a stock or call the market, decline and suggest a licensed advisor.

It is a read-only consumer of the two sibling skills' scripts plus its own review journal.

Resources

Scripts

• scripts/review-log.sh — the review journal (the memory). last emits the most recent saved review, list shows all dates, save appends a record from stdin (stamps today's date). Data lives in data/reviews.jsonl.
• Reused (call directly, don't reinvent):
  • .claude/skills/assess-portfolio/scripts/snapshot.sh — valuation, P&L, weights, rebalance.
  • .claude/skills/tune-income/scripts/audit-income.sh — yields, cash income, tax flags.

References — load on-demand

• references/advice-guide.md — risk-tier mapping, the prioritized advice taxonomy with thresholds, and EU tax nudges + framing rules. Load it before the fit/advice steps (5–6).
• Sibling references, only if a question drifts into their territory: assess-portfolio's references/{recipes,cli-reference,troubleshooting}.md; tune-income's references/{proxy-map,tax}.md.

The review session

Run these in order. It's a conversation, not a report dump — but lead with data so the user isn't asked to re-state what the tracker already knows. Numbers come from the scripts; never fabricate a figure.

Step 1 — Recall the last review

./.claude/skills/review-portfolio/scripts/review-log.sh last

{} means this is the first review — skip the comparisons later. Otherwise note the prior date, profile, and especially expectations — you'll check those against reality in Step 4.

Step 2 — Pull the live data

Run both (compact is fine), from repo root:

./.claude/skills/assess-portfolio/scripts/snapshot.sh --compact
./.claude/skills/tune-income/scripts/audit-income.sh --compact

If a script errors, read its stderr and consult assess-portfolio/references/troubleshooting.md; fix or explain rather than guessing numbers.

Step 3 — The Q&A (always, every session)

Ask the three questions one at a time as multiple-choice (use the AskUserQuestion tool — the user prefers selecting over typing). Ask them fresh each session even if a prior profile exists; people's circumstances move, and capturing it each time is the point of the journal. If a prior profile exists, you may show last time's answer as context ("last review: 10y+").

1. Horizon — "When do you expect to need most of this money?" → <3y / 3–10y / 10y+
2. Drawdown comfort — "If this dropped 30% in a year, you'd…" → sell / hold / buy more
3. Goal — "What's this portfolio for?" → retirement / FIRE / house / general growth

Then derive the risk tier per references/advice-guide.md (more-conservative-of rule). Acknowledge the answers briefly before moving on — don't interrogate further.

Step 4 — Synthesize the overview

Plain-language, scannable, short labelled sections (3–5 lines each):

A. Snapshot — grand total (incl. cash), total P&L (€ + %), cash weight vs target, headline allocation (equity / bonds / cash). Warn if unpriced_tickers is non-empty.

B. Since last review (only if Step 1 returned a record) — change in grand total and cash weight, and a candid check on the prior expectations: did they happen? "Last review (DATE) you expected to move cash into bonds — cash is still 60%, so that hasn't happened yet." This honest continuity is the skill's main value-add; don't skip it when a prior record exists.

C. Risk & goal fit — current equity share vs the tier's band; the one-line mismatch sentence (either direction) if the gap is real, else one line confirming it's in range. Use the goal for context (e.g. 4%-rule orientation for FIRE if a spending number comes up).

Step 5 — Prioritized advice (load references/advice-guide.md first)

Walk the taxonomy in impact order — drift/rebalance → concentration → overlap → cash drag → fees → at most one EU tax nudge — and surface only what actually fires. Give 2–3 options, each tied to a concrete EUR figure from the snapshot and framed as a choice, not an order. Sequence them (deploying idle cash into the most-underweight category is usually step one). Route any fix that's a mutation to assess-portfolio, any income/tax config to tune-income.

Close with the single standing disclaimer from the advice guide — once, not per bullet.

Step 6 — Save the review, then offer to go deeper

Persist this session so the next one can recall it. Build a record and pipe it to save:

echo '{
  "profile": {"horizon": "10y+", "drawdown": "hold", "goal": "FIRE", "risk_tier": "Balanced"},
  "status": {"grand_total_eur": 18699, "pnl_pct": -2.75, "cash_pct": 59.9,
             "top_position": {"ticker": "VOW.DE", "weight_pct": 14.4},
             "largest_drift": {"category": "cash", "drift_pp": 52.4}},
  "expectations": ["deploy idle cash into core-etf and bonds toward target"],
  "advice": ["rebalance ~€6.6k cash into core-etf", "trim single-stocks ~€2.4k"]
}' | ./.claude/skills/review-portfolio/scripts/review-log.sh save

Fill expectations with the plain-language things that should have moved by next review — that's what Step 4B checks against. Then end by leaving the user in control: "Want me to go deeper on any of these, or actually make one of the changes (I'd hand that to assess-portfolio)?"

Output style

• Terse, quantitative, scannable — cite concrete EUR amounts, not percentages alone.
• Don't re-print a full table the user just saw in a tool result; synthesize it.
• One closing disclaimer, never per-section hedging.
• The Q&A is multiple-choice and one question at a time; the overview is prose. Match the user's terse, YAGNI register — a clean portfolio gets a short review, not padding.