--- title: "Investment health check with an agent" slug: investment-health-check-with-an-agent url: https://bankbridge.money/guides/investment-health-check-with-an-agent category: use-case published: 2026-04-23 updated: 2026-04-23 --- # Investment health check with an agent > 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. Investment Health Check With An Agent | BankBridge | BankBridge [Use case](/guides/use-cases) # Investment health check with an agent Updated Apr 23, 2026·5 min read 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. ## 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.