PFolio

Context

PFolio pushes beyond net worth tracking into signal-driven portfolio intelligence.

It includes concentration risk scoring (Herfindahl-style), liquidity risk breakdown, income stability scoring, and a debt risk ladder.

It adds market context via benchmarks (equities/gold/etc.) and attribution analysis to explain what drove outcomes.

Regime detection makes the portfolio feel "alive" — showing how it behaves in bull/volatile/risk-off modes.

The UI direction is deliberately analytical: risk radar, exposure wheels, and performance context layers.

The long-term goal is institutional-grade clarity for everyday portfolios.

Problem

• Most portfolio tools stop at net worth tracking — no risk decomposition, no context.
• Individual investors lack access to institutional-grade analytical frameworks.

What I Built

• Concentration Risk Index — weighted exposure concentration (Herfindahl-based).
• Liquidity Risk Score — % crypto/small cap/locked assets, time-to-cash modeling.
• Income Stability Score — standard deviation analysis, fixed vs variable income.
• Debt Risk Ladder — maturity schedule, interest burden trend.
• Market Context Layer — benchmark comparison + attribution analysis.
• Regime Detection — bull/volatile/risk-off mode classification.
• Risk Radar Visualization — multi-dimensional risk view.

Guardrails & Constraints

• No speculative signals — every metric is derived from observable portfolio data.
• Regime detection uses market data, not predictions.
• Designed for analytical clarity, not gamification.

Outcomes

• Institutional-grade analytics accessible to individual investors.
• Portfolio becomes a system to be monitored, not just a number to display.

What's Next

• Real-time data feed integration.
• Stress testing under historical scenarios.
• Advisor-facing dashboard for wealth management use cases.