BYLD Wealth — byld-advisory Service Blueprint

Domain Model

Class Diagram

«Aggregate Root» IPSProfile

- id : IPSId PK

- userId : UserId

- riskBucket : RiskBucket {5 buckets, 0-100}

- riskScore : int [0..100]

- riskProfiler : RiskProfiler

- investmentHorizon : Duration

- goals : List<Goal>

- constraints : IPSConstraints

- liquidityNeeds : LiquidityProfile

- taxBracket : TaxBracket

- updatedAt : Instant

+ addGoal(goal) : void

+ updateRisk(level, rationale) : void

+ computeScore() : BYLDScore

«Value Object» BYLDScore

- value : int [300 .. 850]

- dimensions : Map<Dimension, Score>

- computedAt : Instant

- version : int

+ grade() : Grade {A+..F}

+ percentile() : int

+ improvementTips() : List<Tip>

«Aggregate» RebalancePlan

- id : PlanId PK

- userId : UserId

- currentAllocation : Allocation

- targetAllocation : Allocation

- actions : List<RebalanceAction>

- status : PlanStatus

- taxImpact : Money

+ approve(userId) : void

+ execute() : List<Order>

+ estimateTax() : Money

«Enum» RiskBucket

CONSERVATIVE (0-30) | MOD_CONSERVATIVE (31-45) | BALANCED (46-60) | GROWTH (61-75) | AGGRESSIVE (76-100)

«Value Object» RiskProfiler

- questions : 8 questions

- attitude : Score (Q1+Q2, w=0.30)

- capacity : Score (Q3+Q4, w=0.25)

- horizon : Score (Q5, w=0.20)

- income : Score (Q6+Q7, w=0.15)

- experience : Score (Q8, w=0.10)

+ computeScore() : int [0..100]

+ toBucket() : RiskBucket

+ modelAllocation() : Allocation

BYLD Score Engine

Score Calculation — 6 Dimensions

Diversification (w=0.20)

Goal Alignment (w=0.25)

Risk Fit (w=0.20)

Tax Efficiency (w=0.10)

Cost Ratio (w=0.10)

Liquidity (w=0.15)

BYLD Score = 300 + 550 × Σ( w_i × S_i )

w_i = weight per dimension

S_i = normalized score [0..1]

Range: 300 (worst) .. 850 (best)

742

Grade: A | 87th percentile

300 Poor Fair Good Excellent 850

Rebalancing Engine

Allocation Drift → Target → Actions

Current

AUM

2.4Cr

Equity 35%

Debt 25%

Gold 15%

Intl 10%

REIT 10%

Cash 5%

Target

TARGET

IPS

Equity 45%

Debt 20%

Gold 10%

Intl 15%

REIT 5%

Cash 5%

Rebalance Actions

BUY Parag Parikh Flexi Cap Fund +2,40,000

BUY Motilal Oswal Nasdaq 100 +1,20,000

SELL HDFC Corporate Bond Fund -1,20,000

SELL SBI Gold Fund -1,20,000

SELL Brookfield India REIT -1,20,000

HOLD Liquid Fund (Emergency) —

      Tax impact: ~18,200 LTCG | Net drift correction: 10% equity shift
    

Strategy Pattern: Advisory Mode

«interface»

AdvisoryStrategy

+ recommend(ips) : Recommendation

+ canExecute(order) : boolean

+ feeModel() : FeeStructure

+ disclosureRequired() : boolean

«implements»

FiduciaryStrategy

RIA mode (BYLD Wealth) | Fee-only | SEBI RIA
Best-interest standard | Direct plans only

«implements»

SuitabilityStrategy

MFD mode (BYLD Capital) | Commission | AMFI
Suitability standard | Regular plans allowed

API Endpoints + Events

	Endpoint	Description
POST	/api/v1/advisory/ips	Create/update IPS profile
GET	/api/v1/advisory/score	Get current BYLD Score
GET	/api/v1/advisory/recommendation	Get rebalance recommendation
POST	/api/v1/advisory/rebalance/approve	Approve rebalance plan
GET	/api/v1/advisory/rebalance/{id}	Rebalance execution status

byld.advisory.events.IPSCreated byld.advisory.events.ScoreComputed byld.advisory.events.RebalanceProposed byld.advisory.events.RebalanceApproved byld.advisory.events.RebalanceExecuted byld.advisory.events.DriftDetected

Legend & Notes

Domain

Infra

External

Events

Security

Data

      Risk Profiler: 8 questions, 5 weighted
      dimensions (Attitude 30%, Capacity 25%,
      Horizon 20%, Income 15%, Experience 10%).
      Score 0-100 → 5 buckets with model allocations
      (Equity/Hybrid/Debt/Alternatives).
      
      Dual-mode: AdvisoryStrategy isolates
      RIA (fiduciary) vs MFD (suitability).
      
      Rebalance requires explicit user
      approval. Tax-aware: LTCG, STCG, exit load.
      Fund concentration: max 10% per fund.

      "The strategy pattern lets you change the

      guts of an object." -- Gang of Four (1994)