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Family Office View

Portfolio command center

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Current View

Combined

Data Status

Awaiting API

Financial Health Brief

Awaiting data

Load data to generate a concise board-level readout.

Primary Watch Item

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Concentration, liquidity, or FIRE gap.

Latest Movement

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Most recent change from history.

Next Action

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One simple action, not a long checklist.

Total Net Worth

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Headline portfolio value

Liquid Net Worth

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Spendable/investable base

FIRE Status

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SWR-backed readiness

Savings Rate

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Assumes ₹6L savings / ₹10L income

SWR Coverage

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Liquid assets vs ₹4L/mo target

Concentration Risk

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Single-stock exposure

Executive Charts

High-signal visuals arranged to use the full screen without dead space.

Net Worth Trend

Total net worth with liquid net worth overlay for the selected owner view.

Liquid vs Illiquid

Spendable assets versus real estate.

Asset Allocation

Clean asset-class allocation for the selected view.

Load data to view liquid asset leaders and laggards.

Holdings

Detailed owner-aware tables placed after the decision views.

Asset	Naman	Divya	Joint	Total	%
Load data to view holdings.

Liquid Asset	Value	% of Liquid	% of NW
Load data to view liquid breakdown.

Ticker	Owner	Qty	Price	USD Value	INR Value	% of NW
Load data to view US stocks.

Symbol	Owner	Type	Qty	Price	Value	P&L	% of NW
Load data to view Indian stocks.

Intelligence

Strategic decision tools powered by the optional StrategicHoldings sheet. Deployment guidance uses existing exposure, target ranges, mode, and guardrails.

New Investment Amount₹1L–₹2Cr

Selected amount₹10.0L

₹1L₹50L₹2Cr

Deployment ModeStrategy

Anti-Concentration mode reduces hidden overweights and directs new money toward underused buckets.

Optional constraints

Constraints are active and immediately rebalance the deployment recommendation.

Avoid increasing USD exposure
Prefer India, debt, metals, or ex-US buckets when possible. Improve liquidity / dry powder
Bias toward Debt/Liquid, Cash, FD, or Multi Asset. Reduce volatility
Penalize small cap, sectoral/thematic, crypto, and concentrated stock exposure. Avoid adding to metals
Prevent new money from going to Gold, Silver, or Copper if already high. Avoid sector/thematic funds
Keep recommendations focused on broad/core diversified buckets.

Selected mode targets

Targets will appear after StrategicHoldings loads.

Targets are single-point allocations across the investable/liquid strategic universe. Real estate is excluded; the engine allocates 100% only across liquid/investable assets.

Max 5 buckets Can suggest 1–2 buckets Uses existing exposure Avoids forced diversification

Exposure scoring ready

Uses StrategicHoldings to generate deployment suggestions, warnings, and guardrails.

₹10.0L

After data loads, this panel will show suggested deployment buckets, current exposure context, and risk guardrails.

Fragility Score

—

Load StrategicHoldings to calculate portfolio fragility.

Primary Driver

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Largest current risk contributor.

Resilience Cushion

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Debt, cash, FD, and multi asset support.

Fragility factor breakdown will appear after data loads.

1 · Scenario & quit timelinedecision

ScenarioMode

Use this for the headline story. The no-income fallback is always shown separately.

Naman quits after0Y

Now40Y

Divya quits after10Y

Now40Y

2 · Expenses & incomemonthly

Family expenses₹4.0L/mo

₹1L₹10L

Core recurring spend. Big annual costs can stay hidden unless you want precision.

One-income surplus₹2.0L/mo

₹0₹8L

After family expenses when only one person continues working.

Both-job surplus₹6.0L/mo

₹0₹12L

Real estate counted0%

0%100%

Keep 0 unless you are willing to sell, refinance, or rent part of non-liquid assets.

3 · Portfolio & inflationbase

Portfolio return10%

0%18%

Inflation8%

0%15%

Advanced assumptions

Spending refinementsoptional

Planned annual big costs₹6.0L/yr

₹0₹30L

Expense buffer10%

0%50%

One-off shocksyear:₹L

Example: 3:25 means ₹25L in year 3.

Real estate treatmentoptional

Real estate haircut20%

0%60%

Available after5Y

Now30Y

Crash & Monte Carlooptional

Market volatility14%

0%35%

Crash shock25%

0%60%

Safety bucket target24 mo

660

Return drag1%

0%5%

Quit simulator pending
Load data to see the explainable verdict, projection chart, and action plan.

Waiting

Tools

Scenario calculators live at the bottom to reduce clutter.

Currency Simulator

USD/INR impact on US stocks and retirement exposure.

₹ / USD—

USD exposure value

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Delta vs live FX

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Crash Simulator

Fast downside estimate on liquid assets. Expenses are inflation-adjusted for runway.

Liquid asset shock—

Liquid after crash

—

Inflation runway

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Amazon Gradual Trim Planner

Simple 5-year trim map to reduce single-stock exposure without assuming everything sells in year one.

Target AMZN % of selected NW—

Current AMZN exposure

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Trim required

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Scenario Summary

Load data to view scenario summary.

Risk

Board-level risk view: concentration, liquidity, currency exposure, and crash resilience.

AMZN Concentration

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Single-stock exposure in selected view.

Liquidity Score

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Liquid assets as a share of selected net worth.

USD Exposure

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401k + US stocks sensitivity to USD/INR.

Crash Hit

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Illustrative equity-led drawdown.

Risk Interpretation

Risk commentary will appear after data loads.

Crash Sensitivity

Simple stress test: US/Indian equities -30%, mutual funds -20%, crypto -40%, gold -5%, cash/FD stable, real estate -10%.

FIRE

Retirement readiness and inflation-aware runway.

FIRE Readiness

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Based on liquid assets and 3.5% SWR.

SWR Income

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Annual income at 3.5% of liquid NW.

Monthly Coverage

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Against ₹4L/month expense target.

Inflation Runway

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Assumes 8% expense inflation and 10% portfolio return.

FIRE Interpretation

FIRE commentary will appear after data loads.

Income Scenarios

Compares current savings, one-income household, and no-income retirement mode.