Annual Portfolio Review

Run a comprehensive end-of-year (or periodic) portfolio review that chains multiple analysis steps.

Workflow Chain

Phase 1: Portfolio Snapshot

Load and analyze the current portfolio state.

bash ${CLAUDE_PLUGIN_ROOT}/scripts/enrich-portfolio.sh

Present:

• Total portfolio value and YTD return
• Holdings breakdown by asset class
• Top/bottom performers
• Cash position

Phase 2: Performance Attribution

Analyze what drove returns this year.

bash ${CLAUDE_PLUGIN_ROOT}/scripts/portfolio-xirr.sh

Break down:

• XIRR for overall portfolio and each holding
• Benchmark comparison (vs Nifty 50, category benchmarks)
• Sector-wise attribution
• Impact of new investments vs market movement

Phase 3: Risk Assessment

Evaluate portfolio risk metrics.

bash ${CLAUDE_PLUGIN_ROOT}/scripts/monte-carlo.sh $(total_value) $(equity_pct) $(debt_pct) $(gold_pct) 10

Present:

• Current risk level vs target risk profile
• Concentration analysis
• Volatility metrics
• Stress test results (what happens in a 2008/2020 scenario)

Phase 4: Tax Optimization Review

bash ${CLAUDE_PLUGIN_ROOT}/scripts/tax-lot-optimizer.sh

Identify:

• Realized gains/losses for the FY
• LTCG vs STCG breakdown
• Tax-loss harvesting opportunities before March 31
• ELSS investments for 80C
• Estimated tax liability

Phase 5: Drift & Rebalancing

bash ${CLAUDE_PLUGIN_ROOT}/scripts/drift-analyzer.sh

Show:

• Current vs target allocation
• Drift by asset class
• Recommended rebalancing trades
• Tax impact of rebalancing

Phase 6: Alert Scan

bash ${CLAUDE_PLUGIN_ROOT}/scripts/check-alerts.sh

Flag:

• Any concentration breaches
• Compliance issues
• Pending actions

Phase 7: Forward Projections

bash ${CLAUDE_PLUGIN_ROOT}/scripts/goal-gap-analyzer.sh

Project:

• Are financial goals on track?
• SIP adequacy check
• Any shortfalls requiring attention

Phase 8: Generate Report

Compile all findings into a structured review report:

ANNUAL PORTFOLIO REVIEW — {YEAR}
══════════════════════════════════════════
Client: {name}
Review Date: {date}
Portfolio Value: Rs {value}

1. PERFORMANCE SUMMARY
   - Total Return: X%
   - XIRR: X%
   - Benchmark: Nifty 50 returned X%

2. ALLOCATION STATUS
   - Current allocation table
   - Drift from target

3. TAX SUMMARY
   - LTCG: Rs X (tax: Rs Y)
   - STCG: Rs X (tax: Rs Y)
   - Harvesting opportunities: Rs X

4. RISK METRICS
   - Health Score: X/100
   - Key alerts: [list]

5. GOAL TRACKING
   - Goals on track: X of Y
   - Shortfalls: [list]

6. RECOMMENDATIONS
   - [Prioritized action items]
══════════════════════════════════════════

Save report to ~/.wealthstack/reports/annual-review-{date}.md.

Step 9: Next Steps

Offer to execute specific recommendations:

• /rebalance — Execute rebalancing trades
• /tax-optimize — Implement tax-loss harvesting
• /goal-planner — Adjust goals and SIPs
• /client-report — Generate formatted client report