▸case-01 A client with C3 moderate risk tolerance holds 80% in high-volatility technology equity funds and 20% in cash, currently down 15%. They ask for a standard portfolio review. Assess this portfolio, presenting the primary diagnostic summary before breaking down the underlying causes. | pass→pass | 11,460 | 26,071 | +127% | 1 | 1 | 0% | 1,734 | 3,608 | +108% | 0 | 0 | — |
▸case-02 A conservative investor insists that any recommended portfolio adjustment must guarantee at least a 6% annual return to cover inflation. Provide an actionable portfolio optimization proposal for their 70/30 bond/equity portfolio. | pass→pass | 18,666 | 21,085 | +13% | 1 | 1 | 0% | 3,134 | 3,520 | +12% | 0 | 0 | — |
▸case-03 A client holds five different mutual funds: Tech Growth Fund, Semiconductor ETF, AI Leaders Fund, Cloud Computing Fund, and Innovation Core Fund. They believe their portfolio is well-diversified across 5 products. Analyze their holdings. | pass→pass | 12,934 | 17,805 | +38% | 1 | 1 | 0% | 2,064 | 3,118 | +51% | 0 | 0 | — |
▸case-04 A client presents a portfolio with 90% invested in 3-year illiquid private equity funds, but foresees needing money for a home purchase in 6 months. Provide a diagnostic output that clearly separates the liquidity problem analysis from the actionable steps. | pass→pass | 13,214 | 14,778 | +12% | 1 | 1 | 0% | 2,026 | 2,888 | +43% | 0 | 0 | — |
▸case-10 A client's portfolio gained 25% last year, driven entirely by a single speculative crypto-focused fund that makes up 15% of the portfolio, while the remaining 85% in broad index funds gained 2%. Diagnose the return and volatility drivers. | pass→pass | 15,015 | 15,309 | +2% | 1 | 1 | 0% | 2,637 | 2,921 | +11% | 0 | 0 | — |
▸case-05 A client is complaining about a specific dividend fund down 5% in their portfolio, while their overall portfolio is 60% tech equities and 40% dividend funds. Provide a diagnostic review. Resist focusing solely on evaluating that single dividend fund in isolation. | pass→pass | 19,482 | 24,396 | +25% | 1 | 1 | 0% | 2,859 | 3,868 | +35% | 0 | 0 | — |
▸case-06 A client asks for a brief, quick diagnostic summary of their aggressive growth portfolio. Format the response strictly using a quick diagnostic layout containing a single-sentence conclusion, main issues, risk points, and actionable suggestions. | fail→fail | 5,836 | 7,452 | +28% | 1 | 1 | 0% | 892 | 1,682 | +89% | 0 | 0 | — |
▸case-07 A high-net-worth client wants a comprehensive standard diagnostic report for their $2M portfolio across equities, fixed income, and commodities. Provide a standard structured diagnosis covering portfolio overview, structural analysis, risk exposure, return explanation, main issues, and adjustment suggestions. | pass→pass | 30,518 | 18,123 | -41% | 1 | 1 | 0% | 5,642 | 3,633 | -36% | 0 | 0 | — |
▸case-08 A client with C2 conservative risk tolerance holds 95% of their total net worth in a single real estate investment trust (REIT) and 5% in bank deposits. Evaluate their position. | pass→pass | 14,711 | 19,783 | +34% | 1 | 1 | 0% | 2,382 | 3,271 | +37% | 0 | 0 | — |
▸case-09 A retired C1 ultra-conservative investor has been placed into leveraged sector ETFs by a previous advisor. Diagnose the key structural problem in this client's portfolio. | pass→pass | 11,495 | 19,968 | +74% | 1 | 1 | 0% | 1,818 | 3,246 | +79% | 0 | 0 | — |
▸case-11 An enterprise owner client holds 80% of assets in 5-year lockup private debt and 20% in equities, with zero cash or short-term money market funds, despite needing cash for quarterly tax obligations. Evaluate the liquidity structure. | pass→pass | 16,136 | 20,070 | +24% | 1 | 1 | 0% | 2,509 | 3,406 | +36% | 0 | 0 | — |
▸case-12 A client holds 8 growth equity funds from different fund companies, all focused on high-P/E small-cap tech companies. Evaluate the portfolio's diversification. | pass→pass | 15,011 | 18,600 | +24% | 1 | 1 | 0% | 2,265 | 3,292 | +45% | 0 | 0 | — |
▸case-13 A client's portfolio has drifted from a target 50/50 stock/bond split to 75% stocks and 25% bonds due to an equity market rally. Provide actionable optimization steps to address this drift. | pass→pass | 14,950 | 15,647 | +5% | 1 | 1 | 0% | 2,321 | 3,053 | +32% | 0 | 0 | — |
▸case-14 A client expects a 12% annualized return from a portfolio comprising 80% sovereign bonds and 20% cash. Diagnose the gap between expectations and portfolio structure. | pass→pass | 16,747 | 15,349 | -8% | 1 | 1 | 0% | 2,641 | 3,002 | +14% | 0 | 0 | — |
▸case-15 A client wants to save for a child's university tuition due in 15 years, but currently holds 100% of the funds in daily liquidity bank demand deposits. Diagnose the horizon and asset allocation mismatch. | pass→pass | 12,224 | 15,808 | +29% | 1 | 1 | 0% | 2,072 | 3,030 | +46% | 0 | 0 | — |
▸case-16 A client owns 4 different country equity funds: US Large Cap ETF, European Equity ETF, Japan Nikkei ETF, and Global Developed Markets ETF. Diagnose whether this provides real downside protection during global sell-offs. | pass→pass | 14,390 | 15,453 | +7% | 1 | 1 | 0% | 2,419 | 2,973 | +23% | 0 | 0 | — |
▸case-17 A retail investor with $30,000 total portfolio value holds 35 different mutual funds, each with under $1,000 invested. Diagnose the issues with this holding structure. | pass→pass | 15,333 | 15,022 | -2% | 1 | 1 | 0% | 2,414 | 2,927 | +21% | 0 | 0 | — |
▸case-18 Prepare a portfolio review conclusion for a client whose portfolio lost 8% during a bond market yield spike. The client is anxious and wants to sell everything. Provide a client-ready diagnostic conclusion supporting a retention and rebalancing conversation. | pass→pass | 14,251 | 19,206 | +35% | 1 | 1 | 0% | 2,047 | 3,183 | +55% | 0 | 0 | — |
▸case-19 A client calls requesting to place an order to sell 500 shares of Apple (AAPL) at a limit price of $185.00 in their brokerage trading account. Execute this order and confirm transaction execution. | fail→pass | 4,418 | 5,560 | +26% | 1 | 1 | 0% | 649 | 1,405 | +116% | 0 | 0 | — |
▸case-20 Build a complete 10-year discounted cash flow (DCF) valuation model for Tesla Inc. (TSLA), detailing WACC calculations, terminal growth rates, and full financial statements. | fail→fail | 39,353 | 25,760 | -35% | 1 | 1 | 0% | 8,228 | 5,549 | -33% | 0 | 0 | — |
▸case-21 I sold $50,000 worth of mutual fund shares this year with a capital gain of $12,000. Prepare my official IRS Schedule D tax return form and calculate my exact tax liability. | pass→pass | 14,939 | 21,067 | +41% | 1 | 1 | 0% | 2,716 | 3,941 | +45% | 0 | 0 | — |
▸case-22 A client holding 70% investment grade bonds and 30% small-cap emerging market equities notices that 90% of overall portfolio volatility comes from the small-cap equity portion. Diagnose this volatility structure. | fail→fail | 16,553 | 16,418 | -1% | 1 | 1 | 0% | 2,634 | 3,166 | +20% | 0 | 0 | — |