AI Nudges · Must-Have #5 · Product Review

Risk-Profile Mismatch Review Card-sort 2.75 / 3 Tier 3 · RM

A risk nudge that flags when a portfolio is running hotter than the client's stated profile — shown with a gauge, not a number. Because realigning involves securities (Tier 3), it routes to the advisor rather than offering an in-app action. If the client has no RM, it down-converts to an advisor booking + education — never silent.

User Flow

The signal is model-derived (lower trust), so it surfaces calmly in-app with a visual. The investor reviews the gap, then the path forks on whether they have an advisor — both routes lead to a human, because Tier-3 securities guidance can't be given in-app.

Start / End Screen / action Decision / fork ↓ direction of flow

STARTPortfolio volatility drifts above the stated profile

System

AI measures the gap

Volatility ~18% vs a ~12% moderate-profile target — from the investor's own portfolio. Routed in-app, never pushed hard.

Screen · the nudge

The risk-review card

Gauge (target vs now) → impact → “why you're seeing this” → disclaimer. No “rebalance now.”

Screen

Risk vs plan + drivers

What's pushing risk up — explained, not directed.

Does the client have an advisor?Tier-3 routing

Hand-off

Message the advisor

Shares the review with the RM, who walks through realigning.

ENDSent to advisor · logged

Down-convert

Book a call + educate

Requests an advisor callback and explains risk profiles — never silently suppressed.

ENDCallback requested · logged

State

Reminder / dismiss

Returns later, or logged & suppressed.

↺ Resurfaces only if the gap persists

Interactive Prototype

Tap anything. Toggle the scenario to see how the same nudge routes for a client with an advisor vs a self-directed client with none.

The journey

Open app · peekCollapsed card

The risk-review cardReview · Remind · Dismiss

Risk vs planGauge + drivers

Hand-off to advisorSent / callback

Nudges centerRecorded · countdown

Tier-3 routing: this client has a relationship manager.

9:415G

AAlpheya

Good morning, Khalid

Total portfolio value

AED 2,452,800

For you

Your portfolio is running hotter than your plan

Risk is ~18% vs the ~12% your profile targets.See what that means →

⌄

Risk review⌃

Your portfolio is running hotter than your plan

Its measured volatility is sitting above the level your moderate profile targets. Here's what that means and how to realign.

Your plan · 12%

You now · 18%

LowModerateHigh

A sharp 10% market drop could swing your portfolio noticeably harder than your profile signed up for.

Why you're seeing this›

Learn: what a “risk profile” means›

What's driving risk

Banking sectorUAE banks · correlated

41%overweight

Emaar PropertiesSingle stock

23%concentrated

Cash bufferPlan: 8%

2%thin

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Your risk vs your plan

What's at stake

Running at 18% volatility against a 12% plan means bigger swings both ways. In a 10% market fall, a portfolio like this could fall around a third more than your profile intends.

Risk vs your plan

Plan · 12%

Now · 18%

LowModerateHigh

What's driving it

Equity weight78% (plan: 60%)

Single-sector concentrationBanking 41%

Cash buffer2% (plan: 8%)

Realigning a portfolio involves securities decisions, which are handled with a licensed advisor.

9:415G

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Reminder set

We'll only bring this back if the gap is still there — risk reviews shouldn't nag.

Re-checks in 30 daysReturns only if volatility is still above your plan

Quiet until thenNo push, no badge — it just waits in the background

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Portfolio

1Nudges

9:415G

Review dismissed

Got it — no changes are made. You can revisit your risk vs plan anytime from Portfolio.

Prefer fewer risk reviews? Adjust portfolio & risk alerts in Settings → Notifications.

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←Notification settings

Portfolio & risk alerts

Risk profile, allocation drift, drawdowns

Maturity & cash

FD, bond, structured deposit, idle cash

Engagement & reviews

Monthly review, milestones

Educational

Concept explainers · off by default

Risk reviews are securities-related, so any realignment is handled with a licensed advisor. We cap all notifications at 2–5 per week across channels.

9:415G

Your nudges

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What a “risk profile” means

Your risk profile is the size of swing you've said you can stay invested through. When a portfolio runs above it, you get bigger moves both ways — and the downside is where the long-term cost hides.

Why bigger swings cost more — the recovery math

A loss and the gain needed to undo it aren't symmetric. The deeper the fall, the disproportionately larger the climb back to even:

Fall 10%

+11%

Fall 20%

+25%

Fall 30%

+43%

Fall 50%

+100%

Higher volatility makes deep drawdowns more likely — and a 50% fall needs the portfolio to double just to break even, which can take years.

What this means over the long run

Wider range of outcomes. More risk widens both the best and worst cases — the spread of where you might end up grows.
Drawdowns eat time. Years spent climbing back to even are years not compounding forward.
The real risk is behavioural. Swings beyond your comfort make it tempting to sell at the bottom — locking the loss in for good.

So what's the point of a profile?

Matching risk to your horizon isn't about avoiding ups and downs — it's about keeping them small enough that you stay invested through them, so the plan has time to work.

Why you're seeing this

What triggered it

Your portfolio's measured volatility moved above the range your stated risk profile targets.

What it used

Only your own holdings and the risk profile you set — nothing is shared outside the app.

How it's created

Our AI selects from a pre-approved library of nudges. It surfaces the factual gap but never gives investment advice — that's for a licensed advisor. Every nudge is logged.

Why it routes to an advisor

Realigning risk involves securities decisions, which require a licensed advisor — so this nudge hands off to a human rather than acting in-app.

You're in control

Mute or fine-tune risk reviews whenever you like.

Try See my risk vs plan → hand-off, then switch the scenario toggle to see the no-RM path.

Habit Building

This is the lowest-trust nudge type in research (model-derived). The habit it builds isn't action — it's confidence that the app is honest and won't overstep: it shows the gap plainly, hands securities decisions to a human, and stays quiet otherwise.

First review

Sees the gap clearly

A gauge — not a jargon number — shows risk running above plan. The investor finally understands a concept that used to feel abstract.

Trust: made it visible

Hand-off

Routed to a human

The app doesn't pretend to advise. It connects the investor to their advisor (or books a call), which signals it knows its limits.

Trust: knows its limits

Aftermath

No nagging

It only returns if the gap persists. The investor learns that when this nudge fires, it genuinely matters.

Habit: signal, not noise

Over time

Risk-aware partnership

The investor comes to treat the app as an honest early-warning system that loops in the right people — not a robo-advisor pushing trades.

Habit: trusted watchdog

The guardrail that protects the habit: a Tier-3 nudge never gives securities advice in-app — it shows the factual gap with a visual and hands off to a licensed advisor (or down-converts to a booking + education for self-directed clients). It re-fires only if the gap persists, under the global 2–5 per week cap.