Individual skill

portfolio-allocation-framework

Explains asset allocation concepts including equities, bonds, cash, and real assets. Describes common allocation philosophies and helps the user apply a decision framework to their own risk profile and time horizon. Produces a structured analysis the user can use when building their portfolio. Use when the user asks about asset allocation, how to diversify investments, or how to build a portfolio based on their risk tolerance. Do NOT use for choosing specific investment products or funds, assessing risk tolerance (use risk-tolerance-assessment), or understanding account types (use investment-account-types). Never prescribes specific allocation percentages.

src/process/resources/skills-library/bodies/skills/personal-finance/portfolio-allocation-framework/SKILL.md

Source commit 4c030c7b01c241df7b6e3535635a970f10d781af

What was checked

Matches the observed repository HEAD

Yes

Scanner rules are current

Yes

Repository scan complete

No

Skill scan complete

Yes

Observed behavior

Instructions only

Last checked

Nov 10, 2026

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