Floreo
Lab
Portfolio questions, answered
Every question the assistant answers about a portfolio, worked through on a sample portfolio so you can see what an answer looks like before you have figures of your own.
Overview
- Show me a summary of my portfolio allocation
- Am I taking more risk than my returns justify?
- Are my returns driven by a few positions or broadly across the portfolio?
- What are my best performing assets this month?
- Identify the main drivers for the portfolio value change of last week
- Has my portfolio reached a new all-time high?
- How did my portfolio perform today, this week, this month, this year, and since inception?
- How diversified is my portfolio?
- How far am I from my all-time high?
- How has my portfolio composition changed over time?
- How much of my performance came from price appreciation vs dividends?
- How volatile is my portfolio?
- Is my portfolio concentrated in too few positions?
- How has my portfolio performed compared to the market?
- What would my portfolio be worth today if I had invested only in Tesla?
- What are my largest positions right now?
- What contributed most to my returns over the last 30 days?
- What detracted most from my returns over the last 30 days?
- What is my maximum drawdown?
- What is my portfolio's absolute and relative return month a month since I began investing?
- What is my Sortino ratio?
- Which holdings are performing best?
- Which holdings are performing worst?
- Which assets have declined the most in value?
Transactions
- Am I adding to winners or averaging down on losers?
- Am I performance-chasing?
- Am I trading too often?
- Did I buy high and sell low?
- Do I tend to hold losers too long?
- Have I been buying more than selling recently?
- How much turnover does my portfolio have?
- How often do I trade?
- What are my most active holdings by number of transactions?
- What if I had simply held my sold positions?
- What is my average buy price for each holding?
- What patterns can you detect in my trading history?
- What were my best trades?
- What were my worst trades?
- Which of my past decisions helped performance the most?
- Which of my past decisions hurt performance the most?
- Which positions did I add to most recently?
- Which positions did I hold too long?
- Which positions did I reduce most recently?
- Which positions did I sell too early?
- Which transactions had the biggest impact on performance?
Performance
- Am I beating my benchmark?
- Am I beating the market?
- Am I outperforming because of skill or because of higher risk?
- How consistent is my outperformance or underperformance?
- How did I perform relative to my benchmark this month?
- How did I perform relative to my benchmark this year?
- How does my portfolio compare to a simple All-World ETF?
- How does my portfolio compare to the MSCI World?
- How does my portfolio compare to the S&P 500?
- How much tracking error do I have versus my benchmark?
- Is my benchmark too easy or too hard for my portfolio style?
- On which days or months did I most outperform?
- On which days or months did I most underperform?
- What explains my outperformance versus the benchmark?
- What explains my underperformance versus the benchmark?
- What if I had invested equally across all positions?
- What if I had invested only in my top 5 positions?
- What if I had not held cash?
- Which benchmark fits my portfolio best?
- Which positions caused most of the gap versus my benchmark?
- Would I have done better with a passive ETF strategy?
Income and dividends
- Am I sacrificing too much total return for yield?
- Estimate my forward dividend yield
- How dependent is my income on a few holdings?
- How much dividend income did I receive last year?
- How much dividend income do I generate?
- How regular is my dividend income across the year?
- How stable is my dividend income?
- What is my yield on cost?
- What is the trade-off between dividend income and growth in my portfolio?
- What would my income look like if I reinvested all dividends?
- What would my income look like if I shifted toward an income-focused strategy?
- Which holdings are most at risk of cutting dividends?
- Which holdings contribute most to my dividend income?
- Which holdings have cut or grown dividends over time?
- Which holdings offer the best mix of yield and quality?
- Which holdings pay dividends?
- Which months are strongest for dividend income?
- Which months are weakest for dividend income?
In depth
- Am I taking unnecessary risks?
- If I could change only one thing, what should it be?
- What is the most important action I should take this month?
- What is the simplest way to improve my returns?
- What is the simplest way to reduce my risk?
- What is the single biggest weakness in my portfolio?
- What mistake am I most likely to make next?
- What would a disciplined long-term investor change here?
- What would a professional investor likely question first?
- What would make this portfolio more robust in bad markets?
- Where am I most overconfident?
- Which part of my portfolio is hardest to justify?
- Which position adds the least value to my portfolio?
- Which position matters most to my success or failure?
Goals
- Am I too aggressive for my situation?
- Am I too conservative for my goals?
- How long could it take to reach my portfolio goal?
- How much difference does reinvesting dividends make over time?
- How much progress have I made toward my target?
- How should my portfolio evolve as I get closer to my goal?
- Is my current portfolio too complex for my long-term strategy?
- Is my portfolio aligned with my long-term goals?
- Is my portfolio aligned with my risk tolerance?
- Should I prioritize growth, stability, or income given my stated objective?
- What allocation better matches my time horizon?
- What are realistic return assumptions for my plan?
- What happens if my returns are lower than expected?
- What is the clearest strategy this portfolio currently reflects?
- What return would I need to reach my target by my deadline?
- Which parts of my portfolio are not aligned with my goals?
Currency
- Am I unintentionally making a currency bet?
- How does EUR/USD affect my portfolio?
- How much did currency movements affect my returns this month?
- How much of my portfolio is exposed to foreign currencies?
- Is my currency exposure aligned with where I live and spend money?
- Should I hedge currency risk?
- What happens to my portfolio if the dollar weakens sharply?
- What is my exposure to other currencies?
- What would my portfolio look like with reduced FX risk?
- Which currencies am I most dependent on?
- Which currency exposures create unwanted concentration?
- Which currency exposures help diversify my portfolio?
- Which holdings create my largest FX exposure?
- Which positions are most sensitive to exchange-rate swings?
- Would currency hedging improve my portfolio stability?
Allocation
- Am I well diversified?
- How far am I from my target allocation?
- How much hidden concentration do I have?
- If I add a new position, which allocation gap should it fill?
- What allocation changes would most improve diversification?
- What is my allocation by asset class?
- What is my allocation by broker or account?
- What is my allocation by country?
- What is my allocation by currency?
- What is my allocation by region?
- What is my exposure to cyclical vs defensive sectors?
- What is my exposure to emerging markets?
- What is my exposure to small caps?
- What percentage of my portfolio is in stocks, ETFs, bonds, cash, and crypto?
- What should I rebalance?
- Which area of my portfolio is overrepresented?
- Which area of my portfolio is underrepresented?
- Which positions create overlapping exposure?
- Which single change would reduce concentration the most?
Risk
- Do I have too much single-stock risk?
- How concentrated is my downside risk?
- How defensive is my portfolio?
- How much risk am I taking relative to my target?
- Is my current risk level appropriate for my time horizon?
- Run a stress test based on a high-inflation scenario
- Run a stress test based on a recession scenario
- Run a stress test based on a USD decline
- Run a stress test based on higher interest rates
- What are the biggest risks in my portfolio?
- What happens if the market drops 10%?
- What happens if the market drops 20%?
- What is my max drawdown?
- What is my Value at Risk (VaR)?
- Which holdings behave most defensively in downturns?
- Which holdings contribute most to portfolio volatility?
- Which holdings make my portfolio more fragile?
- Which holdings should I reduce first if I want lower volatility?
- Which positions would likely fall together in a crisis?
Ideas
- Do I own too many positions?
- How can I improve my risk-adjusted returns?
- How can I optimize for lower drawdowns?
- How can I simplify my portfolio?
- Suggest 3 ways to improve my portfolio without increasing risk
- Suggest 3 ways to reduce risk without hurting diversification
- Suggest a more defensive version of my portfolio
- Suggest a more passive version of my portfolio
- Suggest a simpler version of my portfolio
- Suggest a version of my portfolio with fewer overlapping holdings
- What changes would bring me closer to my target allocation?
- What is the single highest-impact improvement I can make?
- What is the weakest part of my portfolio?
- What should I buy next to improve diversification?
- What should I sell to reduce concentration?
- What should I trim to lower risk?
- Which changes would likely improve my portfolio the most over the long run?
- Which holding deserves the most attention right now?
- Which positions are least aligned with my stated strategy?
- Which small positions are not worth keeping?
Markets
- How does a recession affect my portfolio?
- How does a stronger dollar affect my portfolio?
- How does inflation affect my portfolio?
- Is my portfolio too dependent on one macro outcome?
- Summarize today’s market news in terms of impact on my portfolio
- What macro assumptions am I implicitly making with this portfolio?
- What macro risks should I monitor?
- What market events are affecting my portfolio today?
- What would happen to my portfolio if central banks start cutting rates?
- What would happen to my portfolio if rates stay high for longer?
- Which holdings are most exposed to slowing economic growth?
- Which holdings are most sensitive to current interest-rate expectations?
- Which holdings may benefit from falling inflation?
- Which of my assets are in the news today?
- Which of my holdings are most exposed to commodity prices?
- Which of my holdings are most exposed to geopolitics?