Advisory Cards

AI-powered advisory insights, risk assessment, and actionable recommendations

BYLD Wealth Design System
9:41
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Advisory Insights
● 4 new insights
73 / 100
BYLD Advisory Score
Risk
82
Tax
61
Goals
78
Insurance
71
Active Advisories
HIGH
Portfolio Rebalance Needed
Equity allocation 65% vs 60% target. Drift of ₹4.5L detected across 3 funds.
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MEDIUM
Tax Harvesting Opportunity
Save ₹3,075 before March 31. Short-term loss harvesting available.
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LOW
SIP Top-Up Suggestion
Increase HDFC Flexi SIP by ₹5K/month for goal alignment.
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HIGH
Insurance Gap Alert
Life cover ₹50L vs recommended ₹1.5Cr. Gap: ₹1Cr.
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Advisory Feed
9:41
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Risk Assessment
0 100
72
/ 100
Your risk level is 12% above your comfort zone
Asset Target Actual Drift
Equity
60% 65% +5%
Debt
25% 18% -7%
Gold
10% 12% +2%
Cash
5% 5% 0%
Risk Assessment
9:41
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Rebalance Portfolio
Target
Actual
Equity
Debt
Gold
Cash
Suggested Trades
SELL
Axis Small Cap Fund
Reduce equity allocation
₹2,50,000
SELL
ICICI Pru Equity
Reduce equity allocation
₹2,00,000
BUY
HDFC Short Term Debt
Increase debt allocation
₹3,50,000
BUY
SBI Gold Fund
Increase gold allocation
₹1,00,000
Estimated tax impact: ₹4,200 STCG on equity sales
Portfolio Rebalance
9:41
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Tax Saving Opportunity
Save ₹1.2L in taxes this FY
⏰ Act before March 31, 2026
Action Plan
1
Invest ₹1.5L in ELSS funds (Section 80C)
Saves ₹46,800
2
Top up NPS by ₹50K (Section 80CCD)
Saves ₹15,600
3
Health insurance for parents ₹50K (Section 80D)
Saves ₹15,600
4
Harvest ₹3,075 in tax losses (see Tax Harvesting)
Saves ₹3,075
5
Review HRA claims with CA
Estimated ₹42,000
Projected Total Savings
₹1,23,075
M
Based on your income bracket and existing deductions
Tax Saving Opportunity