Use case

Investment health check with an agent

5 min read
Direct answer: Connect your brokerage (Fidelity, Schwab, Robinhood, etc.) and ask your agent to run the five-question portfolio health check: positions + values, concentration, gain/loss, dividend income YTD, tax-loss candidates. BankBridge's list_holdings and list_investment_transactions tools deliver the raw data; the agent does the math and the judgment.

Who this is for

If you own more than five individual positions, this is worth doing quarterly. If you own a single target-date fund, it's probably overkill. The sweet spot is the DIY investor with a mix of index funds, a few individual stocks, maybe some dividend plays. The person who would otherwise open their brokerage app every few months and do a rough mental check.

The five questions

Paste into a fresh conversation. Each stands alone; each feeds the next.

1. Holdings + current value

“List every position I hold, sorted by current value. Show ticker, quantity, value, and cost basis.”

The agent calls list_holdings. Output is a clean table; total at the bottom is your portfolio value.

2. Concentration risk

“What percent of my portfolio is in my top 3 positions? Top 5? Anything over 15% individually?”

Concentration is the quickest risk signal. A single stock at 25% of your portfolio is a bet. Two positions at 20% each is a bigger bet. The agent does the division and flags anything that crosses your threshold.

3. Gain/loss per position

“Show me unrealized gain/loss per position, both in dollars and percent. Sort by percent.”

The cost basis comes from the upstream aggregator; the agent computes current value minus basis. Sorting by percent surfaces the underperformers at the top. Useful for the next step.

4. Dividend income YTD

“Total dividend income YTD, broken down by position. Any surprises vs last year?”

The agent calls list_investment_transactions filtered to type ‘dividend’. Sum, group by security, sort. Surprises usually mean a company changed its payout schedule or your position size shifted.

5. Tax-loss harvesting candidates

“Which positions are down more than 10% from cost basis? Are any at a loss big enough to harvest?”

Tax-loss harvesting means selling a losing position to realize the loss, offsetting other capital gains on your taxes. The agent lists candidates; you decide (with your accountant) whether to execute, keeping in mind wash-sale rules.

This one's most useful in Q4 ahead of year-end, but worth surfacing quarterly so losses don't evaporate before you harvest them.

What the agent won’t do

  • Give you real investment advice.“Should I buy more AAPL?” gets a reasoned answer about your current position, not a recommendation.
  • Execute trades. Read-only access, always.
  • Flag wash-sale violations.It can tell you what the rule is; it can't evaluate a pending trade against your 30-day history across every account including ones it can't see.
  • Compute your full tax liability.That's a different question and deserves a tax professional.

FAQ

Which brokerages work?

Most of the big ones: Fidelity, Schwab, Vanguard, E*TRADE, Robinhood, Merrill, JP Morgan, TD Ameritrade. Newer or smaller ones are hit-or-miss. Try connecting; if it works, it works.

Does the agent give me investment advice?

It'll answer factual questions about your data (what you hold, how much it's worth, gains/losses). Genuine investment advice. Should I buy/sell, am I properly diversified. Is outside the scope and you should talk to a licensed advisor or do the research yourself.

Can the agent execute trades?

No. BankBridge is strictly read-only. The agent can read your holdings and transactions but cannot place orders. That's a feature, not a limitation.