Guided Portfolio Rebalance
Design an investment review that proposes a diversified rebalance and requires informed approval before any order.
The brief
Understand the problem
Background
Automated investing can simplify portfolio maintenance, but customers still need to understand risk, fees, taxes, assumptions, and what will happen before orders are placed.
User context
Farah has a long-term investment account that has drifted toward technology stocks. She wants to compare a proposed rebalance against leaving the portfolio unchanged.
Product problem
Investors need a comprehensible recommendation and meaningful control over a consequential financial action.
Objective
Design portfolio diagnosis, proposal comparison, risk disclosure, and explicit order confirmation for a guided rebalance.
What to design
Define the experience
Required experience
- Confirm goal, horizon, and risk profile
- Review current concentration and data freshness
- Compare the proposal with no-action and lower-turnover options
- Approve, edit, or decline the resulting orders
Screens and states
- Portfolio health overview
- Rebalance comparison
- Order review
- Execution status
Core user flow
Follow the critical path
- 01
Farah verifies her ten-year goal and risk tolerance
- 02
She reviews why concentration increased and when prices were captured
- 03
She chooses a lower-turnover option after seeing tax implications
- 04
She confirms each order and tracks partial fills
Product rules
Requirements and constraints
Requirements
- Present assumptions, fees, tax considerations, and downside scenarios
- Separate recommendations from guaranteed outcomes
- Require review and explicit confirmation before trading
- Support order editing, cancellation windows, and execution status
Constraints
- Suitability checks and required disclosures cannot be skipped
- Market prices can change between proposal and execution
- The interface must not use loss recovery promises or manipulative urgency
Reality check
States worth considering
Finish line
What to deliver
- Four responsive screens showing proposal tradeoffs and explicit confirmation
Optional direction
Visual resources
Use these as a starting constraint if you want one. They are not part of the required solution.