portfolio-health

Perform a comprehensive portfolio health check in two steps:

Step 1: Call these tools in parallel to gather portfolio and RSU data:

1. terminalq_get_portfolio_live() — current holdings with live prices and daily P&L
2. terminalq_get_risk_metrics("1y") — Sharpe, Sortino, VaR, beta, max drawdown
3. terminalq_get_allocation() — asset class breakdown and concentration risk
4. terminalq_chart_allocation() — visual allocation chart
5. terminalq_get_rsu_schedule() — upcoming RSU vests

Step 2: From the RSU schedule results, identify the RSU ticker symbol. Then call terminalq_get_quote(rsu_symbol) to get the current price for RSU valuation. If no RSU schedule exists, skip this step.

After gathering all data, produce a structured health check following the Portfolio Scorecard contract in docs/output-contracts.md:

Portfolio Scorecard:

• Total value (live)
• Daily P&L ($ and %)
• Top 3 performers today
• Bottom 3 performers today

Risk Assessment:

• Sharpe ratio (>1 good, >2 excellent, <0.5 needs attention)
• Sortino ratio (downside risk awareness)
• Maximum drawdown (how much has been lost peak-to-trough)
• VaR at 95% (worst expected daily loss)
• Beta vs SPY (>1 = more volatile than market)

Allocation Analysis:

• Embed the allocation chart
• Asset class breakdown (US equity, international, fixed income, alternatives)
• Concentration warnings: flag any single stock > 10% of portfolio
• RSU stock exposure: combine direct holdings + unvested RSUs to show total RSU-stock exposure as % of net worth

RSU Impact:

• Upcoming vests (dates, share counts, estimated value at current price from Step 2)
• Total unvested RSU value
• If RSU stock concentration (held + unvested) > 15%, flag as a risk

Performance vs Benchmark:

• Compare portfolio return to SPY over the same period
• Risk-adjusted comparison (Sharpe vs SPY Sharpe)

Action Items:

• Rebalancing suggestions if allocation has drifted significantly
• Tax awareness: note which accounts are taxable vs Roth (sell from Roth first for tax efficiency)
• Concentration reduction plan if RSU stock > 15%

Data Freshness: Include a table noting each data source, how recent it is, and confidence level (High/Moderate/Low per docs/output-contracts.md).

Disclaimer: End with the standard disclaimer from docs/output-contracts.md.

Keep it practical — scorecard first, then details, then actionable recommendations.

Failure Modes

Failure Mode	Signal	Response
Portfolio data missing	terminalq_get_portfolio_live fails or returns empty	Stop and instruct user to run /tq-ingest to set up portfolio data
Risk metrics fail	terminalq_get_risk_metrics errors	Skip Risk Assessment section; note that risk analysis requires historical data
No RSU schedule	terminalq_get_rsu_schedule returns empty or errors	Skip RSU Impact section entirely; note in output that no RSU data was found
Allocation tool fails	terminalq_get_allocation errors	Skip Allocation Analysis chart; try to estimate allocation from portfolio holdings directly
Stale portfolio prices	Quote data is from previous close	Note in Data Freshness that prices are from last close (markets may be closed)

When Not to Use

• Do not use if portfolio data hasn't been ingested — run /tq-ingest first
• Do not use for individual stock decisions — use trade-research instead
• Do not use for broad market context — use market-overview instead