RIA Mode — Portfolio Deep Dive

BYLD Wealth Design System — Detailed Portfolio Screens

MIA Chatbot-First UX
9:41

Performance by Asset Class

Equity +0.7% Alpha
Actual
+14.2%
Expected
+13.5%
Drill down
Debt -0.4% Drag
Actual
+7.1%
Expected
+7.5%
Drill down
Cash -2.8% Drag
Actual
+3.2%
Expected
+6.0%
Drill down
Contribution to Alpha
+₹1.2L net alpha
Screen 1 — Asset-Class Performance vs Benchmark
9:41

Wealth Optimization Insights

What can be improved?

Cash Drag: ₹28.5L sitting idle
Impact: ₹1.7L/year opportunity cost
Fix →
Insurance Gap: ₹50L life cover shortfall Critical
Your current coverage does not meet the recommended level based on your dependants and liabilities.
Review →
Tax Inefficiency: Regular MF in portfolio
Impact: ₹45K/year higher expense from regular plan commissions
Switch →
Low-Yield Debt: ₹15L in savings @3.5%
Opportunity to move to FD or short-term debt MFs earning 6-7%.
Move to FD/Debt MF →
Total potential savings
₹3.2L/year
Screen 2 — Wealth Leakage & Optimization
9:43
●●●
←
M
MIA
Portfolio Capture Mode
M
Want to add a manual asset to your portfolio? What type is it?
🏠
Real Estate
🥇
Gold
💲
Fixed Deposit
💳
PPF
🎯
NPS
📦
Other
🏠 Real Estate
9:43 AM
M
What's the name or description of this property?
Gurgaon Apartment
M
What's the current market value?
9:44 AM
₹
1,20,00,000
₹1.2 Crore
M
What annual growth rate do you expect for this property?
5% p.a.
8% p.a.
10% p.a.
Custom
M
What's your ownership percentage?
Ownership
100%
M
Here's what I've captured:
🏠 Gurgaon Apartment Asset
Type Real Estate
Current Value ₹1.2 Cr
Growth Rate 8% p.a.
Ownership 100%
Projected (5yr) ₹1.76 Cr
You can link this asset to a goal anytime
Screen 3 — MIA Add Asset (Chatbot-First)
9:41
HDFC Flexi Cap Fund — Direct Growth
HDFC AMC Flexi Cap
Current Value ₹32.4L
Invested ₹26.8L
P&L +₹5.6L (+20.9%)
Avg Buy NAV ₹18.42
Current NAV ₹22.27
Units 14,556
Purchase SIP since Apr 2024
Risk Rating Moderate vs Growth Match ✓
Related Goal 🏖️ Retirement
Transaction History
Mar 2026
SIP ₹25,000
1,123 units
@ ₹22.27
Feb 2026
SIP ₹25,000
1,156 units
@ ₹21.62
Jan 2026
SIP ₹25,000
1,189 units
@ ₹21.02
Screen 4 — Holding Detail