AI Nudges · Must-Have #6 · Product Review

Allocation Drift Review Card-sort 2.75 / 3 Tier 2→3 · RM

A drift nudge that flags when a portfolio's allocation has wandered from its target — shown with a gauge, not a number. Explaining the drift is educational, but rebalancing is a securities decision (Tier 3), so it routes to the advisor. If the client has no RM, it down-converts to an advisor booking + education — never silent.

User Flow

The drift is measured from the client's own holdings and surfaces calmly in-app with a visual. The investor reviews how far the mix has wandered, then the path forks on whether they have an advisor — rebalancing is a Tier-3 securities decision, so both routes lead to a human.

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

STARTAllocation drifts more than 15% from its target

System

AI measures the gap

Equity weight drifted to ~72% vs a 60% target — from the investor's own holdings. Routed in-app, never pushed hard.

Screen · the nudge

The drift-review card

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

Screen

Drift vs target + drivers

What drifted and by how much — 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 rebalancing.

ENDSent to advisor · logged

Down-convert

Book a call + educate

Requests an advisor callback and explains rebalancing — never silently suppressed.

ENDCallback requested · logged

State

Reminder / dismiss

Returns later, or logged & suppressed.

↺ Resurfaces only if the drift 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 drift-review cardReview · Remind · Dismiss

Drift vs targetGauge + 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 allocation has drifted from your plan

Equities are ~72% vs your ~60% target.See what that means →

⌄

Drift review⌃

Your allocation has drifted from your plan

Your equity weight is about 72% — above the 60% your plan targets, mostly from a market rally. Here's what that means and how to rebalance.

Your plan · 60%

You now · 72%

UnderOn planOver

At 72% equities vs a 60% plan, a market downturn would hit your portfolio noticeably harder than your plan intends.

Why you're seeing this›

Learn: what allocation drift is›

Allocation vs plan

EquitiesPlan: 60%

72%over

Bonds / sukukPlan: 30%

18%under

CashPlan: 10%

10%on plan

Home

Portfolio

1Nudges

Your allocation vs your plan

What's at stake

At 72% equities against a 60% plan, more of your portfolio rides the market. In a 10% equity fall, a mix like this could fall meaningfully more than your plan intends.

Allocation vs your plan

Plan · 60%

Now · 72%

UnderOn planOver

What's driving it

Equities72% (plan: 60%)

Bonds / sukuk18% (plan: 30%)

Cash10% (plan: 10%)

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

9:415G

Home

Portfolio

Nudges

9:415G

Reminder set

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

Re-checks in 30 daysReturns only if the allocation is still off target

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

Home

Portfolio

1Nudges

9:415G

Review dismissed

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

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

Home

Portfolio

Nudges

9:415G

←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

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

9:415G

Your nudges

Home

Portfolio

Nudges

What allocation drift is

Allocation drift is when market moves push your mix away from its target. A rally lifts your winners fastest, so their share grows — and your portfolio's risk quietly climbs without you doing anything.

How drift creeps up if left alone

In a rising market a 60% equity plan can drift toward 80% — taking on risk you never chose.

TodayIn 10 years

Left alone — drifts upRebalanced — on plan

Today

60%

Drifted

≈ 80%

Rebalanced

60%

By the time a downturn arrives, the drifted portfolio is at its riskiest — so the fall hits hardest exactly when you can least afford it.

Why it matters over the long run

Risk rises on autopilot. You don't have to trade for your equity weight to grow — a rising market does it for you.
It peaks at the worst moment. Drift is largest after a long rally — right before the downturns it makes more painful.
Rebalancing is built-in discipline. Trimming what's run up and topping up what's lagged is a structured "sell high, buy low."

The point of rebalancing

It isn't about predicting the market — it's about keeping your portfolio the one you actually chose, so its risk stays matched to your plan.

Why you're seeing this

What triggered it

Your equity allocation drifted more than 15% above its target weight.

What it used

Only your own holdings and the target allocation 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

Rebalancing 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

Allocation drift is gradual and invisible day-to-day. The habit this builds is periodic awareness — trusting the app to catch drift early and loop in a human for the actual rebalance, rather than nagging or auto-trading.

First review

Sees the drift clearly

A gauge — not a jargon number — shows the mix has wandered above plan: a drift that's otherwise invisible between statements.

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 drift persists. The investor learns that when this nudge fires, it genuinely matters.

Habit: signal, not noise

Over time

Drift-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 drift 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 drift persists, under the global 2–5 per week cap.