Portfolio Allocation Framework

Portfolio Allocation Framework (by Asset Class)
Real Estate (RE): Direct or REIT exposure depending on user preference.
Commodities (C): Precious metals, energy, agricultural commodities as diversified baskets.
Crypto / Stocks (CS): High-growth potential assets complemented by risk controls.

Target ROI Benchmarks (Illustrative)
Aim for compound-like growth with risk-adjusted targets:
3 Months: 30–45% total ROI
6 Months: 35–55% total ROI
1 Year: 50–75% total ROI
Long-Term (2–5+ years): 80–200%+ cumulative ROI
These ranges assume active AI-driven hedging, rebalancing, and strict risk controls.
Note: Crypto drawdowns in bear markets are mitigated via AI risk controls, dynamic hedges, and opportunistic re-entries.

Short-term Strategy (3-Month Plan)
Allocation (illustrative)
Real Estate: 25%
Action: Focus on REITs with strong liquidity or tokenized real estate for liquidity.
Commodities: 25%
Action: Broad commodities basket (gold/silver, energy, agriculture ETFs/ETNs).
Crypto/Stocks: 50%
Action: High-conviction growth assets with tight stop-losses; include some defensive equities/ETFs.

Portfolio Actions
AI-driven daily monitoring; risk parity targeting 1.0–1.5x volatility.
Tactical overweight in liquidity-friendly assets during volatility spikes.
Tight risk controls: stop-loss 5–12% per position; take-profit bands 8–20%.

Expected ROI Range
Target: 30–45% total ROI for the quarter.
Bear market mitigation: AI increases cash allocation, uses hedges (e.g., inverse ETFs, hedged options) to preserve capital.

Medium-term Strategy (6-Month Plan)
Allocation (illustrative)
Real Estate: 30%
Action: Mix of REITs with strong cash yields and potential for price appreciation; consider tokenized real estate if available.
Commodities: 25%
Action: Diversified basket including gold, silver, crude, and agricultural commodities.
Crypto/Stocks: 45%
Action: Balanced growth and defensive names; rotate into sectors with favorable AI signals; allocate to put spread hedges during pullbacks.

Portfolio Actions
Periodic rebalancing every 4–6 weeks.
Risk controls tightened during volatility: dynamic stop-losses, trailing stops, and hedging.
Profit-taking bands: 12–25% per target asset if conditions align.

Expected ROI Range
Target: 35–55% total ROI over six months.
Bear market handling: AI-driven high-management approach with increased liquidity reserve; selective accumulation on confirmed dips.

Long-term Strategy (1-Year Plan)
Allocation (illustrative)
Real Estate: 35%
Action: Core REIT exposure plus selective direct real estate investments in high-demand markets with well-structured syndicated deals.
Commodities: 25%
Action: Balanced exposure to precious metals, energy, and agri-commodities with roll yield considerations.
Crypto/Stocks: 40%
Action: Layered exposure to large-cap crypto assets (with risk controls) and diversified stock picks guided by AI signals; include hedges.

Portfolio Actions
Quarterly rebalancing with scenario planning (inflation, rate changes, macro shifts).
Advanced risk management: volatility targeting, adaptive leverage caps, and dynamic hedging strategies.
Reinvestment of profits into high-conviction opportunities identified by AI.

Expected ROI Range
Target: 50–75% total ROI over 12 months.
Bear market handling: AI governs a robust risk-off mode when drawdowns exceed thresholds; opportunistic accumulation on support levels.

Strategic Long-term (2+ Years Plan)
Allocation (illustrative)
Real Estate: 40–50%
Action: Core holdings, diversification across regions, stable cash flow, and value-add opportunities.
Commodities: 20–25%
Action: Core inflation-hedge basket; periodic roll strategies to capture term structure.
Crypto/Stocks: 25–35%
Action: Strategic core positions with diversification across sectors; continuous risk-adjusted rebalancing.

Portfolio Actions
Multi-year optimization with scenario planning (inflation, tech cycles, and real estate trends).
Use AI to optimize compounding, tax-efficient harvesting, and reallocation across macro regimes.

Expected ROI Range
Target: 80–200%+ cumulative ROI over 2–5+ years (depending on market regimes and risk appetite).
Bear market handling: AI-led capital preservation, hedges, and opportunistic long-term accumulation during downturns.

AI-Powered Trader Features (Core to the Site)
Real-time multi-asset scoring: returns, risk, liquidity, correlation, and drawdown risk.
Dynamic rebalancing: weekly to monthly adjustments based on signal strength.
Risk controls: calibrated stop-loss, take-profit, maximum drawdown limits, and hedging strategies.
Bear-market protocol: deploy higher liquidity, downside hedges, and opportunistic buying on dips.
Scenario modeling: stress tests for rate moves, inflation, and market shocks.
Tax-aware optimization: where applicable, harvests and placements to improve after-tax ROI.
Transparency: users receive daily/weekly updates with rationale and ROIs.

ROI Calculations (Illustrative)
ROI for each horizon is calculated as:
ROI = (Ending Value − Beginning Value) / Beginning Value × 100%
Examples (illustrative projections):
3 Months: Beginning $100,000 → Ending around $130k–$145k (30–45%)
6 Months: Cumulative 35–55% ROI
1 Year: Cumulative 50–75% ROI
Long-Term: 80–200%+ over 2–5+ years
Note: Actual results may vary with market conditions.