AI Assistant

VitalHops includes an AI-powered assistant that can analyze your portfolio, answer questions about your assets, and provide personalized financial insights.

What Can the AI Assistant Do?

The AI Assistant understands your portfolio data and can help with:

• Portfolio Analysis — Break down your asset composition and total value
• Diversification Advice — Assess how well-spread your investments are
• Nominee Coverage — Identify assets that still need nominees assigned
• Debt Analysis — Calculate your debt-to-asset ratio and EMI burden
• Insurance Assessment — Evaluate if you have adequate coverage
• Asset Recommendations — Suggest areas for improvement based on your portfolio

How to Use It

1. Open the AI Assistant from your dashboard
2. Type your question or select a quick suggestion
3. The assistant will analyze your portfolio data and respond
4. Continue the conversation for follow-up questions

Quick Suggestions

Get started quickly with pre-built prompts:

• "What is my total portfolio value?"
• "How diversified is my portfolio?"
• "Do I have enough insurance?"
• "Which assets need nominees?"
• "What is my debt-to-asset ratio?"
• "What are my top assets?"

AI Insights

The assistant generates actionable insights organized by priority:

High Priority

Critical items that need immediate attention, such as unassigned nominees or insufficient insurance coverage.

Medium Priority

Important recommendations like improving portfolio diversification or reviewing loan terms.

Low Priority

Suggestions for optimization, such as exploring new asset classes or reviewing underperforming investments.

Health Score

The AI calculates an overall portfolio health score (0-100) based on:

• Asset diversification
• Debt management
• Insurance coverage
• Nominee assignment completeness
• Overall portfolio performance
• Emergency preparedness

Privacy & Security

Your data is handled securely when using the AI Assistant:

• Sensitive information like passwords and API keys is never included in AI analysis
• Conversations are rate-limited (30 requests per 5 minutes) to prevent abuse
• Input is sanitized to prevent prompt injection attacks
• The AI only accesses your portfolio data — it cannot make changes to your account

Tips for Best Results

• Ask specific questions for more detailed answers
• Use the quick suggestions as starting points
• Follow up on insights with more targeted questions
• Review AI recommendations but make your own financial decisions
• The AI provides general guidance, not professional financial advice