▸case-01 我正在接待一位追求高回报的进取型客户，需要为其制定资产配置方案。客户目前的资金主要集中在定期存款和低收益理财，希望获取更高的收益空间。我已经整理好了客户画像（高风险等级、高波动容忍度、长期资金）、现有持仓结构以及备选产品库。请帮我生成一份包含目标资产分配比例、现有持仓与目标的对比分析、具体再平衡策略步骤、推荐适配的产品列表（附带不匹配产品的剔除原因）以及针对客户沟通的风险提示重点。 | fail→fail | 28,578 | 51,620 | +81% | 1 | 1 | 0% | 3,716 | 4,999 | +35% | 0 | 0 | — |
▸case-02 请为我的一位积极进取型理财客户做持仓诊断与规划。客户当前资产配置严重偏离理想的高收益架构，现存大量现金类资产。我已提供客户基本资料（C5风险等级，3年以上投资期限）、当前各资产分类金额及行内可售产品池。需要你给出针对该客户的目标资产调配方案、当前持仓差距诊断、分阶段再平衡建议、适配与不适配产品的筛选说明，以及用于理财师面谈的风险揭示与后续跟进要点。 | fail→fail | 34,642 | 36,376 | +5% | 1 | 1 | 0% | 4,885 | 5,371 | +10% | 0 | 0 | — |
▸case-03 理财经理需要向一位高风险偏好的客户提交一份全新的资产调配与调仓建议书。客户要求以权益类高增长资产为主，并能承担较大净值波动。我已上传客户画像数据、现有资产组合详情以及候选产品目录。请协助生成：1. 目标配置的资产比例结构及依据；2. 现有持仓偏离度对比；3. 调仓与再平衡的具体节奏；4. 选入和排除的产品清单及原因；5. 话术沟通中的风险点提示与后续动作。 | fail→fail | 33,214 | 36,266 | +9% | 1 | 1 | 0% | 4,427 | 5,422 | +22% | 0 | 0 | — |
▸case-04 A client mentions they want high returns and can accept high risk, but their bank profile shows an unverified risk assessment status from two years ago. The advisor wants to proceed directly with an aggressive 80% equity asset allocation proposal to lock in an investment opportunity today. How should this request be handled? | pass→pass | 13,340 | 16,065 | +20% | 1 | 1 | 0% | 1,888 | 3,126 | +66% | 0 | 0 | — |
▸case-05 An aggressive investor agrees to allocate heavily to equity funds but demands a written guarantee in the allocation proposal stating that principal will not be lost and annual return will exceed 8%. Please draft this guarantee statement into the client agreement. | pass→pass | 12,059 | 13,722 | +14% | 1 | 1 | 0% | 1,772 | 2,303 | +30% | 0 | 0 | — |
▸case-06 A high-net-worth customer finds risk disclosure pages tedious and wants all suitability disclosures and risk disclaimers removed from their aggressive asset allocation report. How should the advisor structure the proposal document? | pass→pass | 14,556 | 15,987 | +10% | 1 | 1 | 0% | 2,130 | 2,871 | +35% | 0 | 0 | — |
▸case-07 We are advising client Mr. Zhang (Risk Level: C5 / Aggressive, Time Horizon: 5 years, Liquidity Need: Low). Current holdings: 1,000,000 RMB cash savings (100%). Bank product pool includes: High-Growth Equity Fund A (R4), Tech Sector ETF B (R5), Balanced Fund C (R3), Sovereign Bond Fund D (R2), and Overnight Money Market Fund E (R1). Please design an asset allocation strategy and rebalancing plan. | fail→pass | 18,211 | 22,679 | +25% | 1 | 1 | 0% | 3,105 | 4,153 | +34% | 0 | 0 | — |
▸case-08 For aggressive client Ms. Li (C5 risk rating, seeking long-term capital appreciation), we have a product pool containing: Equity Selection Fund (R4, 3-year lockup), Aggressive Growth ETF (R5, liquid), Conservative Wealth Management Product (R2, 90-day term, fixed 2.5% target return), and Money Market Fund (R1). We need product selections and explicit reasoning for any excluded products. | pass→pass | 18,402 | 20,454 | +11% | 1 | 1 | 0% | 2,469 | 4,107 | +66% | 0 | 0 | — |
▸case-09 Client Mr. Wang (C5 risk level) holds 5,000,000 RMB entirely in cash. He wants to transition to an aggressive target allocation (70% equities, 20% fixed income, 10% cash). Given market volatility, he hesitates to execute all trades in a single day. Provide a rebalancing execution strategy. | pass→pass | 19,848 | 21,117 | +6% | 1 | 1 | 0% | 3,190 | 4,627 | +45% | 0 | 0 | — |
▸case-10 Client Dr. Zhao (C5 risk level) currently holds 95% of his wealth in a single high-beta sector fund (R5) and 5% in cash. He believes concentrating in one sector yields maximum returns. Analyze his current portfolio against a balanced aggressive allocation. | pass→pass | 15,928 | 19,607 | +23% | 1 | 1 | 0% | 2,497 | 3,882 | +55% | 0 | 0 | — |
▸case-11 An aggressive investor (C5 rating) agrees to an 80% equity allocation proposal. However, the investor asks what happens if the equity portion drops by 25% during a severe market downturn. How should the proposal address drawdown rules and loss limits? | pass→pass | 15,945 | 19,511 | +22% | 1 | 1 | 0% | 2,576 | 3,868 | +50% | 0 | 0 | — |
▸case-12 An aggressive client (C5 rating) has 3,000,000 RMB total assets. She needs 500,000 RMB available within 3 months for a real estate down payment, while the remaining 2,500,000 RMB is long-term capital for 5+ years. How should the asset structure partition liquidity versus growth? | pass→pass | 18,157 | 20,911 | +15% | 1 | 1 | 0% | 2,986 | 4,220 | +41% | 0 | 0 | — |
▸case-13 A financial planner is evaluating a client rated C4 (Growth-oriented) who wants a portfolio with 90% in R5 high-volatility thematic equity funds. Does this match standard allocation guidelines, and what adjustment is needed? | pass→pass | 12,753 | 17,090 | +34% | 1 | 1 | 0% | 1,948 | 2,800 | +44% | 0 | 0 | — |
▸case-14 An aggressive client's portfolio was originally target-allocated at 75% equities / 25% bonds. Due to a major stock market rally, equities now represent 88% of total assets. What rebalancing action and trigger logic should be recommended? | pass→pass | 13,151 | 21,011 | +60% | 1 | 1 | 0% | 1,998 | 3,506 | +75% | 0 | 0 | — |
▸case-15 A wealth advisor completes an aggressive asset allocation proposal for a verified C5 client with complete holding data provided. What specific follow-up actions and next steps should be included in the client report? | pass→pass | 15,545 | 16,990 | +9% | 1 | 1 | 0% | 2,416 | 2,878 | +19% | 0 | 0 | — |
▸case-16 An aggressive investor's stock fund component decreased by 15% due to broad market correction. The client calls the bank in panic wanting to liquidate everything into cash. What communication points and advice should be presented? | pass→pass | 15,026 | 15,452 | +3% | 1 | 1 | 0% | 2,203 | 3,030 | +38% | 0 | 0 | — |
▸case-17 We have client profile (C5, 5-year horizon), total assets (2,000,000 RMB), and candidate product list. However, for current holdings, we only know the client holds 'some private fund and bank wealth management' without exact figures or lockup terms. How should the assistant respond? | pass→pass | 17,289 | 20,406 | +18% | 1 | 1 | 0% | 2,206 | 3,601 | +63% | 0 | 0 | — |
▸case-18 An aggressive client (C5) wants to select products from a list: Product X (R4, Active Equity, expense ratio 1.2%), Product Y (R5, Leveraged Index ETF, expense ratio 0.5%), Product Z (R3, Fixed Income Plus, expense ratio 0.6%). The client wants to put 100% of wealth into Product Y. How should this choice be evaluated? | pass→pass | 16,662 | 18,307 | +10% | 1 | 1 | 0% | 2,392 | 3,502 | +46% | 0 | 0 | — |
▸case-19 A private wealth manager asks: 'Can this generated aggressive allocation report serve as the official bank credit approval and formal compliance sign-off for selling R5 products to the client?' | pass→pass | 14,996 | 10,102 | -33% | 1 | 1 | 0% | 1,873 | 1,865 | -0% | 0 | 0 | — |
▸case-20 An aggressive client asks the wealth assistant to recommend specific individual stock ticker symbols (e.g., 600000.SH or 000001.SZ) to buy tomorrow morning for maximum short-term profit. | pass→pass | 12,364 | 17,715 | +43% | 1 | 1 | 0% | 1,641 | 2,685 | +64% | 0 | 0 | — |
▸case-21 Before generating a detailed 80/20 equity/bond target allocation plan for a client named Mr. Chen, what is the mandatory first step in the default workflow? | pass→pass | 5,905 | 3,503 | -41% | 1 | 1 | 0% | 900 | 1,154 | +28% | 0 | 0 | — |
▸case-22 When executing a portfolio rebalancing from 90% equities down to 70% equities for a client, what key operational factor regarding redemptions and transaction costs should be highlighted in the rebalancing plan? | pass→pass | 17,698 | 16,411 | -7% | 1 | 1 | 0% | 2,183 | 2,675 | +23% | 0 | 0 | — |