Wealth Advisory Studio · 財富顧問工作室
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CASE-BBDC997E62DF

Portfolio candidates

AI-generated options constrained and revalidated by Zypero controls.

Candidate 1

Deterministically validated

Illustrative Portfolio Candidate CAND1

Adjust allocation if needed, then select

Illustrative productAllocation %
Cash Equivalents5
iShares 0-3 Month Treasury Bond ETFSGOV
Core Us Bonds10
iShares Core U.S. Aggregate Bond ETFAGG
Us Dividend Equity15
Schwab U.S. Dividend Equity ETFSCHD
Us Large Cap Equity45
Vanguard S&P 500 ETFVOO
Us Large Cap Stocks25
Microsoft CorporationMSFT

Why this may align with recorded needs

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 3.5 and 100% redeemable within five days.

Weighted product risk
3.50
Portfolio redeemable within 5 days
100%

Candidate 2

Deterministically validated

Illustrative Portfolio Candidate CAND2

Adjust allocation if needed, then select

Illustrative productAllocation %
Us Large Cap Equity50
iShares Core S&P 500 ETFIVV
Vanguard S&P 500 ETFVOO
Us Large Cap Stocks30
Apple Inc.AAPL
Us Dividend Equity20
Schwab U.S. Dividend Equity ETFSCHD

Why this may align with recorded needs

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 3.8 and 100% redeemable within five days.

Weighted product risk
3.8
Portfolio redeemable within 5 days
100%

How the candidates differ

Deterministic risk, liquidity, and one distinguishing allocation in each direction.

MeasureCAND1CAND2Difference
Weighted product riskCAND2 +0.30
Portfolio redeemable within 5 daysSame
Microsoft CorporationMSFTCAND1 +25 percentage points
Apple Inc.AAPLCAND2 +30 percentage points

Validation outcome

Two illustrative portfolio candidates passed deterministic validation.

✓ Passed
Candidate validation metrics
  • CAND1 · Total allocation 100% · Weighted product risk 3.50 · Portfolio redeemable within 5 days 100%
  • CAND2 · Total allocation 100% · Weighted product risk 3.8 · Portfolio redeemable within 5 days 100%
Preference screening

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Adviser action

A human adviser must review both validated illustrative candidates and complete all required suitability and compliance checks before any client communication.
Technical details
Proposal version
1
Validation version
1
Catalogue version
US-CROSS-BORDER-REFERENCE-1.0
Execution ID
5880fd77-5f54-4d6c-a84d-53d572b226b4
Case audit log
Time (UTC)EventVersionOutcomeRule version
Case created1Complete—
compliance_decision1Recorded—
interview_transcript1Recorded—
onboarding_identity1Recorded—
reviewed_client_context1Recorded—
sow_assessment1review_required—
sow_assessment2review_required—
sow_assessment3review_required—
sow_assessment4review_required—
sow_assessment5review_required—
sow_evidence_assessment1Recorded—
sow_evidence_assessment2Recorded—
sow_evidence_assessment3Recorded—
sow_evidence_assessment4Recorded—
sow_evidence_request1Recorded—
transcript_extraction_proposal1Recorded—
ubo_assessment1review_required—
ubo_evidence_assessment1Recorded—
ubo_evidence_assessment2Recorded—
Discovery recorded1Recorded—
Deterministic risk profile calculated1CompleteTW-WM-DEMO-1.1
Portfolio candidates generated1Complete—
Portfolio candidates validated1Recorded—
View complete case evidence

Illustrative fictional products only. Adviser review is required before client communication.

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