How to Use AI Advisor to … Explore Your Portfolio Performance

Do you wonder if your money could be doing more for you but aren’t sure how to go about figuring that out? Understanding exactly what’s going in your portfolio can be tricky — and assessing how it could do more is even harder. 

That knowledge gap is reflected in our members’ habits: Portfolio performance is one of the five most-common things Origin users ask AI Advisor about. So to show you exactly how Origin can help understand your investments and assess your holdings, here are two examples of questions you can ask to get a firm grasp on your portfolio and how to manage it. 

Understand how your investments are performing by asking, “Explain my portfolio performance in the past two months.”

Over the past two months (November 1 to December 29), your portfolio declined from $177,806 to $166,608 — a loss of $11,198 or 6.30%. The market performance itself accounted for a 5.40% decline.

What Drove the Decline

Your 59.82% allocation to US stocks was the primary driver. Tech holdings took the biggest hits:

• NVDA: Down 7.39% ($1,694 loss)
• MSFT: Down 6.03% ($1,873 loss)
• Bitcoin: Down 20.63% ($8,256 loss) — the single largest detractor
  

Bright Spots

Several holdings performed well:

• SBSI: Up 12.68% ($1,505 gain)
• International stocks: Up 2.52% overall
• CAMYX: Up 3.68% ($176 gain)
• TSLA: Up 1.38% ($520 gain)
  

The Takeaway

Your portfolio is heavily concentrated in US equities (59.82%), particularly big tech. When these positions stumble, your entire portfolio feels it. International stocks and bonds held steady, but they represent only 4.51% of your portfolio combined — too small to offset larger losses.For your moderate risk profile, you're actually underweight on bonds (1.14% vs. 40% recommended) and overweight on stocks. This contributed to the volatility you experienced.Would you like to explore rebalancing to better match your risk tolerance?

(Note: Investment calculations and projections are for illustrative purposes only. Market conditions change frequently. Consult a qualified financial advisor before making investment decisions.)

TLDR: This breakdown helps you understand not just whether you're up or down, but why — so you can make informed decisions about whether to stay the course or adjust your strategy.

Tailor your portfolio by asking, “How can I rebalance to fit my moderate risk profile?”

To align your $520,000 portfolio with a moderate risk profile, you need to reduce equity exposure from 65% to 60% while shifting your bond allocation from 24% to the recommended 40%. 

This rebalancing involves $140,400 in total moves, but you can accomplish this efficiently by selling overweight US stocks and using your $57,200 cash position alongside the proceeds.

Three-Step Rebalancing Strategy

Step 1: Reduce US Stock Overweight ($41,600)

Sell $41,600 from your largest US stock position — likely your Vanguard Total Stock Market (VTI) holding. Since VTI currently holds $145,000, reducing by $41,600 brings it to $103,400 while maintaining broad US market exposure. 

Step 2: Complete Rebalancing With Stock Sale Proceeds

Use the $41,600 from your VTI sale to put:

• $15,600 into VXUS (Total International Stock). This increases your international equity from $78,000 to the target $93,600 (18%)
• $26,000 into BNDX (International Bond Fund). Combined with the $36,400 from Step 2, this completes your $62,400 international bond allocation
  

Step 3: Deploy All Cash Into Fixed Income ($57,200)

• $20,800 into Vanguard Total Bond Market (BND): This completes your US bond allocation from $124,800 to the target $145,600
• $36,400 into international bonds: Start building your missing 12% international bond allocation (first installment)
  

Tax-Efficient Execution Tips

Prioritize tax-advantaged accounts first: Execute these trades inside your 401(k) or Roth IRA to avoid capital gains taxes. Your VTI position likely has embedded gains — selling it in a taxable brokerage account would trigger 15% long-term capital gains tax.

Alternative approach for taxable accounts: If you must rebalance in taxable accounts, consider directing your next $41,600 in contributions entirely to international stocks and bonds rather than selling VTI. This achieves the same allocation over 3-6 months without tax consequences.

Harvest losses strategically: If any of your individual stock positions (like the Apple or Microsoft holdings in the example) are underwater, sell those first to harvest tax losses while still reducing your US equity overweight.

‍Why This Matters for Your Moderate Risk Profile

Volatility reduction: Increasing bonds from 24% to 40% reduces portfolio swings. Historically, 60/40 portfolios experience 30-40% less volatility than 65/35 portfolios during market downturns — meaning a 20% stock market crash would impact your portfolio by roughly 12% instead of 13%, preserving $5,200.

Geographic diversification: Boosting international exposure from 15% to 30% (stocks and bonds combined) reduces dependence on US market performance. 

Consistent risk alignment: Markets naturally push portfolios toward higher equity allocations during bull runs. By rebalancing now, you're proactively managing risk before a potential downturn rather than reactively after losses accumulate.

TLDR: Instead of guessing at the right mix or paying for portfolio rebalancing services, you'll get a specific, tax-efficient action plan tailored to your current holdings and risk tolerance.

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