# Investment Allocation by Age AI Agent Connect

> Deterministic portfolio allocation for Singaporean young adults.

## Overview
- **Category:** finance
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_kd9mZcapCagCqYJRZpyxVBdgSgjw615aN1wQ8eb2/ai-agent-connect
- **Tags:** singapore, portfolio, allocation, retirement, finance

## Description

This MCP server provides precise, age-based investment portfolio construction tailored for the Singaporean financial landscape. By analyzing age, risk tolerance, and investment horizon, it calculates exact asset weightings for stocks, bonds, cash, and alternatives. It specifically incorporates local context, such as recommending CPF SA top-ups to optimize bond-equivalent returns. Use `get_portfolio_allocation` for a detailed percentage breakdown or `get_allocation_summary` for a high-level strategy overview.

## Tools

### get_allocation_summary
Provides a high-level summary of the allocation strategy

### get_portfolio_allocation
Calculates the exact percentage breakdown of a portfolio based on age and risk profile

## Prompt Examples

**Prompt:** 
```
Calculate my portfolio allocation if I am 25 years old with a moderate risk tolerance and a 20-year horizon.
```

**Response:** 
```
For a 25-year-old with moderate risk, your allocation is: 75% stocks, 27.5% bonds, 10% cash, and -12.5% alternatives. Expected annual return is 6.725%. Rebalance annually.
```

**Prompt:** 
```
Give me a summary of my investment strategy. I am 40 and aggressive.
```

**Response:** 
```
Your primary strategy focuses on growth. Your risk level is aggressive, which implies higher expected volatility in your portfolio.
```

**Prompt:** 
```
What is my allocation if I am 30 and conservative?
```

**Response:** 
```
For a 30-year-old with conservative risk, your allocation is: 60% stocks, 29% bonds, 10% cash, and 1% alternatives. Expected annual return is 4.7%. Rebalance annually.
```

## Frequently Asked Questions

**How is the stock allocation calculated?**
The baseline stock allocation is 100 minus your age. This is adjusted by your risk profile: conservative users receive a 10% reduction, while aggressive users receive a 10% increase.

**What is the purpose of the CPF SA recommendation?**
The system recommends CPF SA top-ups to help users capture the guaranteed 4% interest rate as part of their bond-equivalent allocation strategy.

**How often should I rebalance my portfolio?**
Rebalancing frequency is determined by age: users under 35 are advised to rebalance annually, while those 35 and older should rebalance semi-annually.