portfolio risk check agent
A structured risk analysis tool that identifies concentration, sector, and liquidity imbalances in retail portfolios.
$5
Works with the AI tools you already use
Claude Code
Cursor
Codex CLI
GitHub Copilot
Gemini CLI+20 moreClaude CodeCursorCodex CLIGitHub CopilotGemini CLI
OpenClaw
Manus
Grok+17 agentsportfolio risk check agent
Example session with this skill installed
Check my portfolio risk. I have 60% in AAPL, 30% in MSFT, and 10% in cash. I'm 25 and investing for the long term. Is this too concentrated?
- Read your context and instructions
- Compiled the portfolio risk check
I have reviewed your portfolio holdings and investment horizon to identify potential concentration and factor risks.
Portfolio Risk Assessment
1. Decision Snapshot
The current evidence shows extreme single-name and sector concentration. While the long-term horizon allows for volatility, having 90% of equity exposure in two highly correlated technology firms creates significant idiosyncratic risk that a market-wide recovery might not fix.
2. Inputs & Assumptions
| Item | Value | Status |
|---|---|---|
| Holdings | 60% AAPL, 30% MSFT, 10% Cash | Verified |
| Sector | Technology (100% of equities) | Verified |
| Horizon | Long-term (30+ years) | Supported |
| Currency | USD | Hypothesis |
3. Analysis
| Dimension | Score (0-5) | Evidence | Why It Matters |
|---|---|---|---|
| Single-Name | 5 | 60% in a single ticker (AAPL). | High impact from company-specific failures. |
| Sector | 5 | 90% total equity in Big Tech. | Vulnerable to tech-specific regulatory or market shifts. |
| Asset-Class | 2 | 10% Cash buffer exists. | Provides minimal protection against equity drawdown. |
| Horizon | 1 | 25-year-old investor. | Long timeframe allows for recovery from volatility. |
4. Key Risks / Gaps
- Correlation Risk: AAPL and MSFT often move in tandem; diversification benefits are minimal.
- Product Overlap: Both firms compete in cloud, hardware, and services, doubling down on similar macro themes.
- Currency Exposure: Assuming all assets are USD-denominated, leaving no hedge against dollar devaluation.
5. Recommended Next Move
Primary Action: Research the historical correlation between AAPL and MSFT over the last 5 years to understand how they behave during market stress.
Supporting Actions:
- List 3 sectors (e.g., Healthcare, Energy, Staples) to compare against tech performance.
- Verify if any other accounts (401k, IRA) offset this tech-heavy concentration.
6. Validation Plan
| Question | Evidence Needed | Cheapest Test | Pass Signal |
|---|---|---|---|
| Are these correlated? | 5yr Correlation Coeff | Check free tools like Portfolio Visualizer | Coeff > 0.7 |
7. What Would Change the Conclusion
If these holdings represent less than 5% of your total net worth (with the rest in diversified indexes), the risk score for this specific sub-portfolio would decrease significantly.
Next steps
- Review your total net worth to see if this is a "satellite" or "core" holding.
- Identify one non-tech sector you understand well for potential future research.
Connects securely to your tools. The creator never sees your data.
What you get
About this skill
The problem
Retail investors often struggle to identify hidden vulnerabilities in their portfolios, such as sector overlap or currency imbalances. Manually tracking these risks across different asset classes and geographies is prone to error and oversight.
What it does
- Analyzes holdings to detect single-name and sector concentration risks.
- Evaluates geography, currency, and asset-class distribution for diversification gaps.
- Identifies factor and theme overlaps that lead to unintended correlation.
- Assesses liquidity and time-horizon alignment based on user-provided goals.
Why this beats prompting it yourself
General prompts often return vague advice or hallucinate market data. This skill enforces an evidence-based workflow that distinguishes between verified facts and hypotheses, ensuring every risk score is backed by a specific reason rather than a generic template.
Use cases
- Reviewing a high-conviction portfolio for hidden sector or thematic overlap.
- Assessing if a retirement portfolio's liquidity matches the expected withdrawal horizon.
- Identifying geographic or currency concentration in a global equity basket.
- Normalizing messy portfolio data into a structured risk ledger for better decision-making.
Known limitations
This tool does not provide personalized buy, sell, or rebalance instructions. It cannot access live brokerage accounts or private dashboards without external authorized tools.
How to install
Works the same in every agent - Claude, Cursor, Codex, Copilot and 20+ more.
- 1
Download the ZIP
Free skills download straight away. Paid skills unlock right after purchase.
- 2
Unzip into your skills folder
Every agent reads skills from one folder on your machine. Drop the unzipped folder in there.
- 3
Ask your agent to use it
Restart the agent if it was already running. It picks the skill up automatically - no config needed.
Skills folder by agent
Click the path to copy it. Create the folder if it does not exist yet.
Reviews
No reviews yet
Be one of the first to try it. Every listed skill passes our trust checks below.
Security scanned
Passed our 8-point scan before listing
Fresh listing
Recently published to Agensi
30-day refund
Not a fit? Get your money back
Trust & safety
Security scanned
Verified clean 11 days ago
- Passed all security checks, Safe to install