SOW_CLAIM_1 · 1500000.0 USD · assessed · supporting
Assessed evidence includes a supporting result; adviser review is still required.
CASE-64EF26DE8FA4
完整案件證據
以唯讀方式顯示此案件目前已保存的事實與受治理產出。
案件記錄
- 案件編號
- CASE-64EF26DE8FA4
- 版本
- 3
- 狀態
- 風險評估完成
- 司法轄區
- TW
- 語系
- zh-TW
- 市場設定
- TW-DEMO-1.0
- 建立時間
- 2026-10-26T03:17:39.051164+00:00
- 更新時間
- 2026-10-26T03:27:58.530019+00:00
探索事實
客戶資料
- 客戶編號
- CASE-64EF26DE8FA4
- 投資人分類
- 尚未記錄
- 既有持有部位
- 尚未記錄
財務探索
| 欄位 | 數值 | 可用狀態 |
|---|---|---|
| 可投資金額 | 750000 USD | 已提供 |
| 投資期間 | 84 個月 | 已提供 |
| 每年提領金額 | 0 USD | 已提供 |
| 流動性準備金 | 250000 USD | 已提供 |
目標與偏好
- 排序後目標
- 財富增值 · 資本保全
- 偏好幣別
- TWD · USD · SGD
- 地區偏好
- Global
- 產業偏好
- 尚未記錄
- ESG 偏好
- 尚未記錄
- 禁止產品或市場
- 尚未記錄
風險輸入
- 意願
- 4
- 能力
- 4
- 知識
- 4
- 流動性
- 4
- 最大跌幅
- 15%
- 過去面對虧損時的反應
- Sold weak performers and added to existing performing stocks
逐字稿與已審閱客戶脈絡
已確認的客戶審查身分 · v1
- 客戶編號
CASE-64EF26DE8FA4- 數值
- Elaine Chen · client
- 來源沿革
- case 1 · transcript 1 · proposal 1 · review 1
受保護逐字稿投影 · v1
- 來源沿革
- case 1
- SHA-256
3e9346a78a5c40d7a4515a83573cef2231e3ea074785df129f520b3fda517175- 數值
- 1672 characters
RM: Today is about your own portfolio and goals. We will use only the family context that is relevant to you and that you are comfortable discussing. Client: My name is Elaine Chen. I am 32, and I am joining Chen Family Holdings Ltd in a leadership-development role. Client: My father is Mr Chen, the founder and controlling shareholder of Chen Family Holdings Ltd. He owns 100% of Chen Family Holdings Ltd. The company is the family's principal economic exposure. Client: I am ready to manage a personal portfolio in my own name. It is separate from the family business, and I want its investments to diversify rather than add to the family's business exposure. Client: I have USD 2,500,000 available for long-term investment. I want to retain USD 250,000 as liquidity while I establish my role in the business. Client: The USD 2,500,000 is my personal capital. I sold a block of my personal shares in a listed US employer in 2023 for USD 1,500,000. I can provide the trade confirmation and bank credit. Client: A further USD 750,000 comes from employment income and savings from my previous role in Singapore. I can provide tax returns and salary records. Client: The remaining USD 250,000 is cash savings held in my personal bank account and is my liquidity reserve. Client: I want to be the decision-maker for this portfolio. My father can provide perspective, but I want advice that explains the alternatives and lets me make an informed choice. RM: We will document the relevant family relationship, keep your portfolio objectives distinct, and return with portfolio options that show their diversification, liquidity, and risk trade-offs.
已審閱客戶脈絡 · v1
審閱者: adviser-demo · 來源沿革: case 1 · transcript 1 · proposal 1
- fact INTERVIEW_SUMMARY · accept
- party client_primary · accept
- party entity_reported_1 · accept
- SoW SOW_CLAIM_1 · accept
- SoW SOW_CLAIM_2 · accept
- SoW SOW_CLAIM_3 · accept
實質受益人與資金來源
持股路徑 · v1
狀態: below_disclosure · 0.0% confirmed · 0.0% potential · 來源沿革: case 1 / context 1 / proposal 1
實質受益人證據請求
無
實質受益人證據文件
無
實質受益人證據評估與沿革
無
資金來源主張 · v4
SOW_CLAIM_2 · 750000.0 USD · assessed · supporting
Assessed evidence includes a supporting result; adviser review is still required.
SOW_CLAIM_3 · 250000.0 USD · assessed · supporting
Assessed evidence includes a supporting result; adviser review is still required.
證據請求
無
證據文件
無
證據評估與沿革
claim SOW_CLAIM_1
Independent or official material with a supporting proposal is recorded as supporting.
case 1 · context 1 · proposal 1 · v1claim SOW_CLAIM_2
Independent or official material with a supporting proposal is recorded as supporting.
case 1 · context 1 · proposal 1 · v2claim SOW_CLAIM_3
Independent or official material with a supporting proposal is recorded as supporting.
case 1 · context 1 · proposal 1 · v3法令遵循就緒狀態 / 客戶審查法令遵循決策
法令遵循就緒狀態: ready_for_compliance_review
來源沿革: UBO 1 · SoW 4
- 無
客戶審查法令遵循決策 · v1
決策: approved · 目前有效核准: True
審閱者: compliance-demo
理由: Approved based on SoW validation
來源沿革: UBO 1 · SoW 4
確定性風險評估結果
- 版本
- 1
- 狀態
- 完成
- 最終風險屬性
- 成長型（growth）
- 最終風險等級
- 4
- 最高產品風險等級
- 4
- 規則版本
- TW-WM-DEMO-1.1
- 來源探索版本
- 1
- 計算時間
- 2026-10-26T03:27:58.542646+00:00
- 投資期間／最大跌幅
- 84 個月 · 15%
評估維度
| 欄位 | 分數 |
|---|---|
| 意願 | 4 |
| 能力 | 4 |
| 知識 | 4 |
| 流動性 | 4 |
規則追蹤
| 規則版本 | 計算 | 輸入／套用情況 | 結果 |
|---|---|---|---|
| base_profile | minimum_of_tolerance_and_capacity | horizon=—; drawdown=—; applied=— | 4 |
| horizon_cap | — | horizon=84; drawdown=—; applied=False | — |
| drawdown_cap | — | horizon=—; drawdown=15; applied=— | 4 |
衝突事項
- 無
審查警示
- 無
缺失欄位
- 無
AI 風險分析師審閱
- 版本
- 1
- 狀態
- 完成
- 提供者／模型
- orchestrate_native · groq/openai/gpt-oss-120b
- 執行編號
- cbc811f9-af7a-49d1-8222-016ea2a137f0
- 模擬執行
- False
- 來源沿革
- case 3 · risk 1
摘要
The deterministic risk assessment result is growth, with a final risk score of 4.
A human adviser must review this result before any client communication.
觀察
The deterministic risk assessment result is growth, with a final risk score of 4.
risk_artifact.final_profile: "growth"risk_artifact.final_score: 4
釐清問題
無
代理程式活動
- #1 tool_complete — Retrieve case data —
zypero_get_case - #2 tool_complete — Retrieve deterministic risk artifact —
zypero_get_risk_artifact - #3 briefing_generated — Prepared locale-specific adviser briefing
投資組合方案與驗證
- 方案版本
- 1
- 驗證版本
- 1
- 產品目錄版本
- US-CROSS-BORDER-REFERENCE-1.0
- 狀態
- 完成
- 提供者／模型
- orchestrate_native · groq/openai/gpt-oss-120b
- 執行編號
- cb7d4dca-cace-471d-8c0b-367c4239140a
摘要
兩個示範投資組合方案均已通過確定性驗證。
理財顧問必須審查兩個經驗證的示範投資組合方案，並完成所有必要的適合度與法令遵循檢查，才可與客戶溝通。
釐清問題
- 無
示範投資組合方案 CAND1
Uses a broad mix of US shares while keeping a modest allocation to cash and bonds alongside them. It reflects the recorded Wealth Creation objective and 84-month horizon, with weighted product risk 3.35 and 100% redeemable within five days.
主要配置資訊: 將 35% 配置於 VOO；相較之下，CAND2 為 0%。; 將 0% 配置於 IVV；相較之下，CAND2 為 49%。
| 產品 | 配置比例 % |
|---|---|
| iShares 0-3 Month Treasury Bond ETF SGOV | 5 |
| iShares Core U.S. Aggregate Bond ETF AGG | 15 |
| Schwab U.S. Dividend Equity ETF SCHD | 20 |
| Vanguard S&P 500 ETF VOO | 35 |
| Apple Inc. AAPL | 25 |
驗證: 有效 · 總計 100% · 加權風險 3.35 · 五日內可贖回比例 100%
示範投資組合方案 CAND2
Places more of the portfolio in US shares and less in cash and bonds than the other candidate. It reflects the recorded Wealth Creation objective and 84-month horizon, with weighted product risk 3.7 and 100% redeemable within five days.
主要配置資訊: 將 0% 配置於 VOO；相較之下，CAND1 為 35%。; 將 49% 配置於 IVV；相較之下，CAND1 為 0%。
| 產品 | 配置比例 % |
|---|---|
| SPDR Bloomberg 1-3 Month T-Bill ETF BIL | 3 |
| iShares Core U.S. Aggregate Bond ETF AGG | 5 |
| Vanguard Dividend Appreciation ETF VIG | 11 |
| iShares Core S&P 500 ETF IVV | 49 |
| Microsoft Corporation MSFT | 32 |
驗證: 有效 · 總計 100% · 加權風險 3.70 · 五日內可贖回比例 100%
代理程式活動
- #1 tool_complete — 取得案件資料 —
get_case - #2 tool_complete — 取得投資組合限制與核准產品 —
get_portfolio_context - #3 tool_complete — 驗證示範投資組合方案 —
validate_portfolio_candidates_tool
已選投資組合版本
- 選取版本
- 1
- 來源方案
- CAND2
- 是否由顧問修改
- False
- 狀態
- 有效
- 來源沿革
- case 3 · risk 1 · proposal 1
- 建立時間
- 2026-10-26T07:02:47.143539+00:00
示範投資組合方案 CAND2
確定性驗證結果顯示總配置為 100%，流動配置為 100%，加權產品風險為 3.7。
主要配置資訊: 將 49% 配置於 IVV。; 將 32% 配置於 MSFT。
| 產品 | 配置比例 % |
|---|---|
| SPDR Bloomberg 1-3 Month T-Bill ETF BIL | 3 |
| iShares Core U.S. Aggregate Bond ETF AGG | 5 |
| Vanguard Dividend Appreciation ETF VIG | 11 |
| iShares Core S&P 500 ETF IVV | 49 |
| Microsoft Corporation MSFT | 32 |
驗證: 總計 100% · 加權風險 3.70 · 五日內可贖回比例 100%
法令遵循與適合度驗證
- 版本
- 1
- 狀態
- 可供理財顧問審閱
- 規則版本
- TW-PORTFOLIO-COMPLIANCE-DEMO-1.0
- 選取版本
- 1
- 來源沿革
- case 3 · risk 1 · proposal 1
- 建立時間／是否需顧問確認
- 2026-10-26T07:02:47.154724+00:00 · True
- 通過 · portfolio_revalidation — selection.validation.status, selection.validation.issues
- 通過 · risk_and_allocation_limits — selection.validation.weighted_product_risk, selection.validation.total_allocation_pct, selection.validation.liquid_allocation_pct
- 通過 · approved_products — catalogue.products[].approval_status
- 通過 · client_exclusions — case.discovery.objectives_preferences, catalogue.products[].exposures
- 通過 · client_delivery_control — catalogue.products[].client_delivery_permitted, catalogue.products[].adviser_approval_required
- 通過 · currency_preferences — case.discovery.objectives_preferences.preferred_currencies, catalogue.products[].denomination_currency
理財顧問確認
- 版本
- 1
- 決策
- 已確認可準備客戶草稿
- 執行者情境
- demo_adviser_session
- 時間（UTC）
- 2026-10-26T07:03:08.337488+00:00
已保存產出清單
| 產出物 | 版本 | 規則版本 | 時間（UTC） |
|---|---|---|---|
| 訪談逐字稿 | 1 | — | 2026-10-26T03:17:39.073073+00:00 |
| 逐字稿擷取提案 | 1 | — | 2026-10-26T03:17:39.073073+00:00 |
| 審閱後客戶脈絡 | 1 | — | 2026-10-26T03:18:27.680307+00:00 |
| 已確認的客戶審查身分 | 1 | — | 2026-10-26T03:18:27.680307+00:00 |
| 實質受益人評估 | 1 | — | 2026-10-26T03:18:28.145701+00:00 |
| 資金來源評估 | 1 | — | 2026-10-26T03:18:28.256167+00:00 |
| 證據評估 | 1 | — | 2026-10-26T03:21:37.250489+00:00 |
| 資金來源評估 | 2 | — | 2026-10-26T03:21:37.250489+00:00 |
| 證據評估 | 2 | — | 2026-10-26T03:24:10.638799+00:00 |
| 資金來源評估 | 3 | — | 2026-10-26T03:24:10.638799+00:00 |
| 證據評估 | 3 | — | 2026-10-26T03:25:13.278565+00:00 |
| 資金來源評估 | 4 | — | 2026-10-26T03:25:13.278565+00:00 |
| 客戶審查法令遵循決策 | 1 | — | 2026-10-26T03:26:14.218567+00:00 |
| 需求探索 | 1 | — | 2026-10-26T03:27:55.373409+00:00 |
| 風險屬性 | 1 | TW-WM-DEMO-1.1 | 2026-10-26T03:27:58.530019+00:00 |
| 風險分析 | 1 | — | 2026-10-26T03:28:01.830976+00:00 |
| 投資組合方案 | 1 | — | 2026-10-26T03:28:18.890267+00:00 |
| 投資組合驗證 | 1 | — | 2026-10-26T03:28:18.890267+00:00 |
| 投資組合選取 | 1 | — | 2026-10-26T07:02:47.039504+00:00 |
| 投資組合法令遵循 | 1 | TW-PORTFOLIO-COMPLIANCE-DEMO-1.0 | 2026-10-26T07:02:47.039504+00:00 |
| 理財顧問確認 | 1 | — | 2026-10-26T07:03:08.240543+00:00 |
案件稽核事件
| 時間（UTC） | 事件 | 版本 | 結果 | 規則版本 |
|---|---|---|---|---|
| 2026-10-26T03:17:39.051164+00:00 | 案件已建立 | 1 | 完成 | — |
| 2026-10-26T03:17:39.073073+00:00 | interview_transcript | 1 | 已記錄 | — |
| 2026-10-26T03:17:39.073073+00:00 | transcript_extraction_proposal | 1 | 已記錄 | — |
| 2026-10-26T03:18:27.680307+00:00 | reviewed_client_context | 1 | 已記錄 | — |
| 2026-10-26T03:18:27.680307+00:00 | onboarding_identity | 1 | 已記錄 | — |
| 2026-10-26T03:18:28.145701+00:00 | ubo_assessment | 1 | below_disclosure | — |
| 2026-10-26T03:18:28.256167+00:00 | sow_assessment | 1 | review_required | — |
| 2026-10-26T03:21:37.250489+00:00 | sow_evidence_assessment | 1 | 已記錄 | — |
| 2026-10-26T03:21:37.250489+00:00 | sow_assessment | 2 | review_required | — |
| 2026-10-26T03:24:10.638799+00:00 | sow_evidence_assessment | 2 | 已記錄 | — |
| 2026-10-26T03:24:10.638799+00:00 | sow_assessment | 3 | review_required | — |
| 2026-10-26T03:25:13.278565+00:00 | sow_evidence_assessment | 3 | 已記錄 | — |
| 2026-10-26T03:25:13.278565+00:00 | sow_assessment | 4 | review_required | — |
| 2026-10-26T03:26:14.218567+00:00 | compliance_decision | 1 | 已記錄 | — |
| 2026-10-26T03:27:55.373409+00:00 | 探索資料已記錄 | 1 | 已記錄 | — |
| 2026-10-26T03:27:58.530019+00:00 | 確定性風險屬性已計算 | 1 | 完成 | TW-WM-DEMO-1.1 |
| 2026-10-26T03:28:01.830976+00:00 | AI 風險審閱已記錄 | 1 | 完成 | — |
| 2026-10-26T03:28:18.890267+00:00 | 投資組合方案已產生 | 1 | 完成 | — |
| 2026-10-26T03:28:18.890267+00:00 | 投資組合方案已驗證 | 1 | 已記錄 | — |
| 2026-10-26T07:02:47.039504+00:00 | 投資組合選擇已提交 | 1 | 已選取 | — |
| 2026-10-26T07:02:47.039504+00:00 | 法令遵循驗證已完成 | 1 | 可供理財顧問審閱 | TW-PORTFOLIO-COMPLIANCE-DEMO-1.0 |
| 2026-10-26T07:03:08.240543+00:00 | 理財顧問確認已記錄 | 1 | 已確認 | — |
此檢視顯示已保存的示範資料與決策支援產出。不構成監管認證、交易指示或客戶核准。