Client #0385
GREENINV_0385 • Bangalore, Karnataka • Age 63 • Moderate profile • MID_LOW value segment • T1
Effective due: AI · 19 May · in 4d · 0 broker notes on file
Exit Risk This Cycle
3.7%
27.1 L AUM under watch
Total AUM
₹27,06,395
Priority
HOT | 87
Mission
Save now
Trail At Risk
₹21,651/yr
Exit Risk
4%
Net Flow (90D)
+₹4,50,000
Attention Type
Rebalance
Mission
Save now
Retention stress with a clear same-week broker move.
Data quality
Usable data
Core signals are available with one or two optional groups missing.
Why this priority
narrative reset is needed
Missing: advisor_interactions
Observed pattern
safe
Expectation note
Retirement corpus of ₹11L over 4 years; expectation anchored near 10.7%.
Relationship opening
missing elss
Portfolio fit note
Reset narrative — behind plan
Recommended Action
narrative reset is needed. Open with a simple alignment question — the goal hasn't changed, the composition has. Worth resetting before the next correction does it for us.
System Rank
70
Relationship intelligence
Book-aware client dossier
Building book context...
Your review
Your notes & decision
No input from you yet — going with the AI suggestion. Saved here, this updates the merged AI summary below.
Mock broker replay · messy human notes · read-only
Notes
Notes & history
0 entries
Outcome
Who's leading
AI is leading. The team will act on the AI suggestion until you change it above.
Personal Context
What we know about this client
From CRM · broker maintained
Profession
Business · Self-Employed
Income
Unstable · ₹25,000/mo
Family
Empty Nester · 1 dep.
Relationship
3y known · via Family
Prefers
Phone
Last Spoke
36d ago · Cash-Flow Check
Recent Event
School Fees
Goals
Generate stable monthly income, preserve capital
Broker Notes
“Temporary cash-flow wobble; usually resumes once income stabilizes.”
Upcoming Life Event
Retirement is roughly 0 year(s) out — the equity-to-debt taper should already be in motion.
Raw Supporting Signals
Keep this collapsed unless you want to inspect the raw inputs behind today's recommendation.
88 signals
Raw Supporting Signals
Keep this collapsed unless you want to inspect the raw inputs behind today's recommendation.
Purchase Behavior
Signals showing how actively this investor is still adding fresh money.
5 signals
Days Since Last Purchase
8 days
Longer gaps can signal fading interest or delayed follow-through.
Purchases In 90 Days
8
Recent contribution count helps separate active clients from drifting ones.
Amount Invested In 90 Days
₹4,50,000
Shows whether rupee commitment is staying healthy or dropping away.
Average Purchase Size
₹45,484
Typical ticket size helps identify smaller follow-on behavior or confidence.
Purchase Interval Trend
0.03
Positive slope means the gaps between purchases are widening.
Redemption Behavior
Withdrawal intensity is often the clearest early warning of churn.
5 signals
Days Since Last Redemption
Never
A very recent exit often means the investor is testing the door.
Redemptions In 90 Days
0
Multiple recent exits point to escalating withdrawal behavior.
Redemption To Purchase Ratio
0.00x
Above 1.0 means money is leaving faster than it is coming in.
Partial Redemptions
0
Serial partial withdrawals often precede a larger full exit.
Net Flow In 90 Days
+₹4,50,000
Positive means fresh money; negative means net money is moving out.
Portfolio Analysis
AUM quality, concentration, returns, and drawdowns explain emotional pressure.
8 signals
Total AUM
27.1 L
The current market value of the relationship the distributor is protecting.
Schemes Held
3
Lower diversification can turn one weak scheme into a relationship problem.
Equity Allocation
32.5%
Higher equity increases sensitivity to corrections and investor fear.
Portfolio Concentration
0.39
Higher HHI means the portfolio is concentrated in fewer schemes.
Unrealized Gains
-7.0%
Large embedded gains make profit booking much more tempting.
Portfolio Return (3M)
-6.5%
Short-term pain often triggers calls, anxiety, or withdrawals.
Max Drawdown (90D)
19.6%
Captures the deepest recent pain this investor felt in their portfolio.
Portfolio Vs FD Rate
-32.9 pts
Negative gap fuels the “I should just move to FD” narrative.
SIP Health
SIP signals reveal habit strength, payment stress, and quiet disengagement.
6 signals
Active SIPs
2
More active SIPs usually mean deeper recurring commitment.
Average SIP Tenure
36.0 months
Longer tenure usually reflects a more stable investment habit.
SIP Bounces (6M)
0
Failed collections point to financial stress or mandate issues.
Stopped SIPs
0
Among the strongest predictors of an exit in the current book.
SIP Expiry Within 90 Days
Not triggered
Upcoming mandate expiry is an operational risk if nobody follows up.
Monthly SIP Amount
₹75,000
Recurring rupee flow shows the size of the investor’s ongoing habit.
Rate Of Change
These signals show whether the relationship is improving or deteriorating right now.
5 signals
AUM Change (30D)
+4.8%
Recent AUM shrinkage is one of the fastest indicators of stress.
Purchase Velocity Change
1.33x
Below 1.0 means buying pace is slower than the prior period.
Redemption Velocity Change
0.00x
Above 1.0 means withdrawals are accelerating versus the prior period.
Net Flow Acceleration
+₹2,25,000
Tracks whether the outflow trajectory is worsening versus the previous quarter.
Months Since Last Activity
0.3 months
Long silence can mean dormant loyalty, or a client quietly drifting away.
Demographic Context
Profile attributes that shape risk appetite, maturity, and relationship depth.
4 signals
Investor Age
63 years
Different ages usually map to different redemption motivations.
City Tier
Tier 1
Tier context helps frame market comfort and service expectations.
KYC Vintage
3.7 years
Longer tenure suggests a deeper relationship with the system.
Risk Profile
Moderate (2)
The investor’s stated comfort level with market volatility.
Life-Stage Intelligence
Upcoming family, education, and retirement events often explain redemptions better than markets alone.
12 signals
Life Stage
Retirement (5)
Encoded stage in the investor’s life journey for goal-driven analysis.
Has Nominee
Triggered
Nominee presence often signals family obligations and planning behavior.
Nominee Age
28 years
Useful for spotting education and marriage-related cash needs.
Years To College
Not applicable
Closer college years increase the chance of education-led redemption.
Years To Marriage
Not applicable
Closer marriage years can create large predictable liquidity events.
Years To Retirement
0 years
Approaching retirement often changes allocation and liquidity choices.
Life Event Imminence
80/100
Composite 0-100 score for near-term family or retirement events.
Estimated Monthly Income
₹25,000
A proxy for financial capacity based on the investor’s contribution pattern.
Income To AUM Ratio
0.11x
Lower ratios suggest AUM may represent emotionally significant savings.
SIP As % Of Income
300.0%
Higher burden increases the chance of bounce or voluntary pause.
Dependents
1
More dependents create more competing claims on household liquidity.
Dependency Burden
4.00
Dependents scaled against estimated income to reflect pressure more accurately.
Goal Target & Glidepath
These features track the original target the client is anchored to, the path they expected, and whether risk can be calmly reduced now.
22 signals
Goal Mode
Retirement Corpus
The primary outcome this client believes the portfolio should deliver.
Expectation Style
Outcome Led
Whether the client thinks in return terms, outcome terms, or safety terms.
Original Return Target
10.7%
The CAGR or annual expectation the client is anchored to from past discussions.
Calmer Reference Rate
8.7%
The reference return rate often used after shifting to a calmer allocation.
Goal Horizon
4 years
Total years over which the client expects the plan to play out.
Years Elapsed
3 years
How long the client believes this plan has already been running.
Years Remaining
1 years
Less time remaining means less room to recover from narrative misses.
Starting Goal Corpus
7.4 L
The notional corpus size when the plan started, used for glidepath tracking.
Target Goal Corpus
11.1 L
The corpus the client expects this portfolio to reach by the end date.
Expected Corpus Today
10.0 L
Where the client expected the portfolio to be by now if the original target was on track.
Goal Progress Gap
+₹17,02,531
Positive means ahead of the planned path; negative means behind it.
Glidepath Gap
+100.0%
Percentage lead or lag versus the path the client thought they were on.
Goal Funded Ratio
243.8%
Current corpus as a percentage of the final target corpus.
Actual XIRR
-5.3%
Money-weighted return the client has effectively experienced so far.
XIRR Vs Stated Target
-15.9%
Negative means the client is earning less than the original target framing they remember.
Required CAGR From Here
0.0%
What annual return is needed from today to still reach the end target.
De-Risk Headroom
+8.7%
Positive means there is room to lower risk and still likely meet the goal.
De-Risk Window Open
Triggered
Triggered when the goal still looks reachable even with a calmer portfolio mix.
Goal Clarity
88/100
Higher means the client and broker have a clearer shared picture of the end goal.
Expectation Flexibility
67/100
Lower means the client is more likely to hold the broker to an exact original return target.
Expectation Breach Score
100/100
Composite score for how badly the current experience is diverging from the client's mental target.
Narrative Reset Needed
Triggered
Triggered when the right move is to reset the story, not simply chase more return.
Risk Mismatch
These features call out structural mismatches between the investor and their portfolio.
1 signals
Risk Allocation Mismatch
Not triggered
Triggered when the investor’s portfolio does not fit their stated profile.
Brokerage At Risk
These features translate portfolio risk into the distributor’s own economics.
2 signals
Annual Trail At Risk
₹21,651
Estimated yearly trail income that disappears if this client leaves.
Monthly Trail At Risk
₹1,804
Monthly view of the same trail exposure for day-to-day prioritisation.
Market Context
Macro backdrop signals that affect investor sentiment regardless of personal behavior.
5 signals
NIFTY Return (30D)
-3.2%
Short-term market trend that can trigger fear-driven behavior.
NIFTY Return (90D)
+2.5%
Quarterly market trend shaping overall investor mood.
India VIX
16.5
Higher volatility usually means higher inbound panic and redemption risk.
Current FD Rate
7.25%
When FD rates rise, safe alternatives become more persuasive.
Portfolio Vs FD Gap
-33.1%
Shows whether this investor is outperforming or lagging a plain FD.
Temporal Context
Time-of-year effects matter in mutual fund behavior, especially near year-end.
3 signals
Days To March 31
182 days
Closer to year-end increases tax and review-driven activity.
Tax Season Flag
Not triggered
Active during Feb-Mar when LTCG harvesting and ELSS behavior rise.
FY-End Quarter Flag
Not triggered
Signals the broader Jan-Mar context beyond just tax harvesting.
Interaction Signals
Compound signals are often the most human-readable explanation for why a client is risky.
10 signals
High AUM + Low Activity
Not triggered
Large account sitting quiet for too long can become a silent drift risk.
Negative Return + Redemption
Not triggered
Classic panic-selling behavior during a weak quarter.
New Investor + Drawdown
Not triggered
First losses often shake conviction in newer investors very quickly.
Bounce + Redemption
Not triggered
Payment stress and active withdrawal happening together is a major warning sign.
Declining SIP + Outflow
Not triggered
Stopping contributions while pulling money out is a classic exit pattern.
Life Event + Gains
Not triggered
A near-term need plus visible gains makes redemption feel easy and justified.
Conservative In Volatile Market
Not triggered
Conservative investors are more likely to panic when volatility stays high.
High SIP Burden
Triggered
Triggered when SIP commitments are too large relative to estimated income.
Child College Soon
Not triggered
A strong indicator for planned education-related liquidity needs.
Retirement Imminent
Triggered
Within three years of retirement, allocation changes tend to speed up.