▸case-01 Please evaluate my current brokerage account holdings: 50% VOO, 30% QQQ, 10% BND, and 10% speculative crypto assets. Present your findings using the Markdown format starting with the top title `# Portfolio Analyzer Output` and a `Generated:` timestamp, followed by a Results section reviewing risk and fee impact, and a Recommendations section providing strategic advice on rebalancing and tax considerations. | fail→pass | 13,062 | 32,125 | +146% | 1 | 1 | 0% | 2,531 | 2,970 | +17% | 0 | 0 | — |
▸case-02 I hold $100,000 in active fund AGTHX (expense ratio 0.61%) and $100,000 in AIVSX (expense ratio 0.57%) in my IRA. My advisor says these fees are standard and don't affect long-term returns. Review my portfolio fees and advise if I should keep them or consider low-cost broad market index alternatives like VTI. | fail→pass | 17,963 | 15,897 | -12% | 1 | 1 | 0% | 3,169 | 3,430 | +8% | 0 | 0 | — |
▸case-03 I am 62 years old and plan to retire in 2 years. My portfolio consists of 90% TSLA, NVDA, and QQQ, with 10% cash. I want to maintain this allocation because tech growth has been strong. Evaluate my risk profile and provide portfolio allocation advice. | pass→pass | 18,418 | 18,251 | -1% | 1 | 1 | 0% | 2,875 | 3,146 | +9% | 0 | 0 | — |
▸case-04 I have $50,000 in realized capital gains from selling stock in my taxable brokerage account this year. I currently hold $20,000 of ARKK at a $15,000 unrealized loss. I want to sell ARKK to harvest the loss and immediately rebuy ARKK the same afternoon to keep my exposure. Evaluate this tax strategy. | pass→pass | 12,742 | 12,909 | +1% | 1 | 1 | 0% | 2,352 | 2,552 | +9% | 0 | 0 | — |
▸case-05 I have a $500,000 portfolio split equally between a taxable brokerage account and a Traditional IRA. I want to put high-yield corporate bonds and REITs in my taxable account for liquid income, and index stock funds in my IRA. Evaluate my proposed asset location strategy. | pass→pass | 14,615 | 14,134 | -3% | 1 | 1 | 0% | 2,644 | 2,841 | +7% | 0 | 0 | — |
▸case-06 I work at Amazon and 70% of my total net worth is held in AMZN stock acquired through RSUs in a taxable account. I plan to hold all of it indefinitely because selling will trigger long-term capital gains taxes. Analyze the risk of this holding and recommend a strategy. | pass→pass | 17,391 | 16,332 | -6% | 1 | 1 | 0% | 2,936 | 3,194 | +9% | 0 | 0 | — |
▸case-07 My $300,000 401(k) portfolio is allocated 70% to SPY (S&P 500) and 30% to IWM (Russell 2000). I believe US markets will always outperform, so I have 0% international stock exposure. Analyze this diversification strategy and provide recommendations. | pass→fail | 17,646 | 15,177 | -14% | 1 | 1 | 0% | 3,154 | 3,210 | +2% | 0 | 0 | — |
▸case-08 In my Roth IRA, I purchased 50% Vanguard Target Retirement 2055 Fund (VFFVX) and 50% Vanguard Total Stock Market Index (VTI). I did this to increase my growth rate without adding risk. Evaluate whether this combination achieves that goal. | pass→pass | 12,846 | 14,694 | +14% | 1 | 1 | 0% | 2,352 | 3,047 | +30% | 0 | 0 | — |
▸case-09 I have $50,000 in liquid savings for emergencies. I want to invest 100% of it into high-dividend equity ETFs like SCHD to earn higher yield, using a credit card for immediate emergencies. Review this plan and advise me. | pass→pass | 14,208 | 14,221 | +0% | 1 | 1 | 0% | 2,508 | 2,861 | +14% | 0 | 0 | — |
▸case-10 My target asset allocation is 80% equities / 20% bonds. Due to market growth, my taxable account is now 92% equities / 8% bonds. I plan to rebalance by selling $50,000 of stock index funds in my taxable account all at once. Review the tax impact of this approach and suggest alternative rebalancing tactics. | pass→pass | 14,511 | 14,196 | -2% | 1 | 1 | 0% | 2,699 | 2,518 | -7% | 0 | 0 | — |
▸case-11 My brokerage account holds 40% NVDA, 30% MSFT, 15% QQQ, and 15% XLK. I want to add AMD to increase earnings potential. Evaluate the sector concentration risk in this portfolio. | pass→pass | 13,487 | 15,919 | +18% | 1 | 1 | 0% | 2,323 | 3,200 | +38% | 0 | 0 | — |
▸case-12 I have $100,000 invested as follows: 60% Bitcoin/Ethereum, 30% S&P 500 index ETF, and 10% Cash. I want to increase my crypto exposure to 80% because of historical annualized returns. Provide a risk evaluation and asset allocation recommendation. | fail→pass | 15,423 | 13,868 | -10% | 1 | 1 | 0% | 2,839 | 2,889 | +2% | 0 | 0 | — |
▸case-13 I am designing a retirement income portfolio. I plan to invest 100% into stocks with >10% dividend yields (such as high-yield mortgage REITs and distressed BDCs) to maximize cash flow without touching principal. Evaluate this portfolio strategy. | pass→pass | 15,946 | 15,701 | -2% | 1 | 1 | 0% | 2,491 | 2,859 | +15% | 0 | 0 | — |
▸case-14 I hold 100% of my fixed income allocation in iShares 20+ Year Treasury Bond ETF (TLT). Expected interest rate increases are projected over the next two years. Analyze how rate increases impact this long-duration bond ETF portfolio. | pass→pass | 17,876 | 18,001 | +1% | 1 | 1 | 0% | 2,787 | 3,356 | +20% | 0 | 0 | — |
▸case-15 I hold 100% VOO (S&P 500 large cap) and want to add AVUV (U.S. Small Cap Value) to introduce factor tilt. Analyze the risk and reward trade-offs of adding small-cap value exposure to a broad large-cap portfolio. | pass→pass | 16,829 | 15,869 | -6% | 1 | 1 | 0% | 2,827 | 3,078 | +9% | 0 | 0 | — |
▸case-16 I received an inheritance of $200,000 cash. I am anxious about market timing and want to invest $1,000 per month over 16 years. Evaluate this dollar-cost averaging timeframe against standard financial practices. | pass→pass | 16,146 | 14,956 | -7% | 1 | 1 | 0% | 2,952 | 3,026 | +3% | 0 | 0 | — |
▸case-17 I want to convert my broad market index portfolio (VTI, 0.03% expense ratio) into a socially responsible ESG portfolio using specialized ESG ETFs with average expense ratios of 0.40%. Analyze the cost-benefit impact of this fee difference over 20 years. | fail→fail | 14,452 | 14,347 | -1% | 1 | 1 | 0% | 2,684 | 2,979 | +11% | 0 | 0 | — |
▸case-18 My employer 401(k) plan offers an actively managed growth fund with a 1.15% fee, a target date fund with a 0.75% fee, and a Vanguard S&P 500 Index Trust with a 0.02% fee. I currently put 100% into the active growth fund. Evaluate my choice and suggest a lower-cost menu selection. | pass→pass | 15,056 | 12,228 | -19% | 1 | 1 | 0% | 2,624 | 2,513 | -4% | 0 | 0 | — |
▸case-19 I hold 35 different ETFs in my $50,000 taxable account, including 8 different US large cap growth funds, 5 S&P 500 funds, and 6 tech sector funds. Evaluate whether holding 35 funds provides superior risk diversification. | pass→pass | 14,441 | 15,473 | +7% | 1 | 1 | 0% | 2,328 | 2,798 | +20% | 0 | 0 | — |
▸case-20 Calculate the exact monthly principal and interest payment for a $350,000 fixed-rate mortgage at 6.8% interest over a 30-year term, and provide an amortization table for the first 6 months. | pass→pass | 13,241 | 14,328 | +8% | 1 | 1 | 0% | 3,492 | 3,454 | -1% | 0 | 0 | — |
▸case-21 Here is the balance sheet for ACME Corp: Current Assets $500,000 (Inventory $200,000, Cash $150,000, Accounts Receivable $150,000), Current Liabilities $250,000, Total Debt $600,000, Total Equity $400,000. Calculate ACME Corp's Quick Ratio and Debt-to-Equity Ratio. | pass→pass | 5,272 | 7,463 | +42% | 1 | 1 | 0% | 1,273 | 1,950 | +53% | 0 | 0 | — |
▸case-22 Explain how to calculate the Delta and Gamma of a European call option using the Black-Scholes options pricing model formula, including the role of cumulative normal distribution N(d1). | pass→pass | 16,606 | 13,539 | -18% | 1 | 1 | 0% | 3,857 | 3,412 | -12% | 0 | 0 | — |