🚀 Getting Started

Get up and running with CVI PW in minutes.

Logging In

1. Navigate to the CVI PW login page in your browser.
2. Enter your username and password provided by your administrator.
3. Select your role: Investor (portfolio management) or Admin (system administration).
4. Click Log In. You will be taken to the Dashboard.

First Steps After Login

1. Set your base currency — Click the currency button (e.g., "USD") in the top-right corner and select your preferred reporting currency.
2. Fetch live FX rates — Go to Settings → Currencies and click ⚡ Fetch Live Rates to get the latest exchange rates.
3. Add your first asset — Click the + Add Asset button in the top-right corner. The full asset wizard will guide you through search, configuration, and income setup.
4. Explore the Dashboard — Once you have assets, the Dashboard will populate with NAV, allocation, risk metrics, and AI insights.

Navigation

The top navigation bar contains links to all major pages: Dashboard, Holdings, Income, Expenses, Leverage, Simulate, and AI Advisor.

The right side of the navigation bar contains quick actions:

Market Ticker Strip

Below the navigation bar, a scrolling ticker displays live market data for your top holdings and major indices (S&P 500, Gold, Oil, Bitcoin, EUR/USD, Nasdaq). Click the ✕ button to collapse it, or 📈 Show Markets to restore it.

📊 Dashboard

Your institutional decision hub — everything at a glance.

Hero KPI Card

The large card at the top displays your portfolio's key performance indicators:

• Net Asset Value (NAV) — Total assets minus total liabilities, with a sparkline trend
• Total Return — Absolute profit or loss across all holdings
• Return % — Percentage gain/loss relative to cost basis
• Net Monthly Income — Passive income after financing costs and expenses
• Portfolio Yield — Annual income as a percentage of total value

Portfolio Health Score

An interactive donut chart scoring your portfolio from 0 to 100, based on four factors:

• Equity Ratio — How much of your portfolio you actually own (NAV %)
• Debt Ratio — Loan-to-Value percentage (lower is better)
• Liquidity Score — Proportion of easily liquidated assets
• Income Coverage — Net income relative to expenses

The profile label updates: Conservative (70+), Moderate (40–69), or Aggressive (<40).

Asset Allocation

A visual bar chart showing how your capital is distributed across asset classes. Includes a Diversification Score (0–100) and flags concentration warnings if any single type exceeds 40% of the portfolio.

Risk & Leverage

• LTV Ratio — Visual bar showing total debt relative to total assets
• Interest Coverage — How comfortably income covers financing costs
• Stress Tests — Simulated NAV at -5%, -10%, and -20% market drops
• Value-at-Risk (VaR) — Estimated maximum monthly loss at 95% confidence

Top Holdings

Your 6 largest positions by value, each showing individual P&L and concentration percentage. Positions exceeding 15% of the portfolio are flagged.

AI Insights

Five rule-based insights analysing your portfolio for concentration risk, liquidity gaps, leverage warnings, income opportunities, and diversification suggestions. Each insight is colour-coded by priority.

Market News

An auto-rotating carousel of headlines related to your holdings. Navigate with arrow buttons or dot indicators. Headlines link to full articles.

💼 Holdings

Your complete asset inventory with filtering, detail panels, and charts.

Overview Panel

At the top, you see the total number of assets, total portfolio value, and average allocation percentages.

Filtering by Type

Click the filter pills (All, Stocks, Crypto, Bonds, ETFs, Cash, Property, Metals, etc.) to instantly filter the table. Each pill shows the count of assets in that category.

Holdings Table

Each row displays:

Expandable Detail Panel

Click any asset row to expand an inline detail panel showing:

• Full asset information (name, type, ticker, ISIN, currency, custody)
• Position metrics (quantity, cost basis, current value)
• P&L performance with percentage return
• Income details (annual income, payout frequency, yield)
• Price history chart — interactive Chart.js graph for assets with tickers
• Edit and Delete action buttons

Print Portfolio

Click the 🖨 Print Portfolio button to generate a comprehensive print-ready report with all asset details, charts, and P&L data expanded. This opens in a new window ready for printing or saving as PDF.

➕ Adding Assets

The full-featured Asset Wizard guides you through adding any investment.

Opening the Wizard

Click the + Add Asset button in the top navigation bar, or from the Holdings page. The wizard opens as a full-screen overlay.

Step 1: Choose Asset Type

Select from the 9 asset type cards:

Step 2: Search & Configure

Smart Asset Search

For searchable asset types (stocks, crypto, ETFs, metals), type a name, ticker symbol, or ISIN into the search field. The system auto-detects:

• Tickers (e.g., AAPL, MSFT) → Yahoo Finance lookup
• ISINs (e.g., LU1564329115) → FT Markets / Morningstar lookup
• Crypto names (e.g., Bitcoin, Ethereum) → CoinGecko lookup

Select a result to auto-populate name, ticker, ISIN, price, currency, and dividend data.

Form Fields

Leverage (Optional)

If the asset is financed with debt, expand the leverage section:

• Loan Amount — Outstanding debt against this asset
• Loan Currency — May differ from the asset currency
• Interest Rate (% p.a.) — Annual interest rate on the loan

AI Import

Instead of manual entry, paste any trade confirmation, broker statement, or description text into the ✨ AI Import tab. Claude AI will automatically extract all relevant fields and pre-fill the form.

💰 Income & Coupons

Track all passive income from your investments.

Monthly Net Income Banner

The headline banner shows the calculation: Gross Income − Financing Costs − Expenses = Net Income on a monthly basis.

Key Metrics

• Gross Annual Income — Total income from all assets before deductions
• Financing Cost — Annual interest on all loans
• Net Annual Income — After deducting financing and expenses
• Gross Income Yield — Total income as % of portfolio value

Income by Asset Table

Every income-generating asset is listed with:

• Asset name, type, and currency
• Annual income (total and per unit)
• Monthly income equivalent
• Payout frequency (monthly, quarterly, semi-annual, annual)
• Yield on that specific position

Income types include: Dividends (stocks/ETFs), Coupons (bonds), Interest (cash), Rental Income (property), and Staking Rewards (crypto).

🏦 Leverage & Liabilities

Monitor debt, financing costs, and risk across leveraged positions.

Summary Cards

• Gross Asset Value — Total market value of all assets
• Total Liabilities — Sum of all outstanding loans
• Net Asset Value — Assets minus liabilities (colour-coded green/red)
• Annual Financing Cost — Total annual interest across all loans

Leveraged Positions Table

Only assets with active loans appear here. Each row shows:

• Asset value and loan amount (in base currency)
• NAV (equity) per position
• LTV % — Loan-to-Value ratio (green <30%, orange 30–60%, red >60%)
• Interest rate and financing cost (annual and monthly)

The overall portfolio LTV ratio is displayed at the bottom.

📋 Expenses

Track recurring costs and understand their impact on your net income.

Adding Expenses

1. Click the + Add Expense button on the Expenses page.
2. Select a category (Management, Advisory, Insurance, Tax, Platform, Other).
3. Enter a description, amount, currency, and frequency.
4. Click Save. The expense will appear in the table and be factored into net income calculations.

Expense Summary Box

Below the table, a summary box shows:

• Monthly & annual totals
• Expense-to-income ratio — Traffic light indicator (green <50%, yellow 50–80%, red >80%)
• Net monthly surplus — Income remaining after expenses and financing
• Income coverage ratio — How many times income covers expenses

📐 Placement Simulator

Run "what-if" scenarios with multiple hypothetical trades.

How It Works

The simulator lets you add one or more proposed placements (hypothetical trades) and instantly see their combined impact on your portfolio — without making any actual changes to your holdings.

Adding Placements

1. Navigate to the Simulate page from the top menu.
2. Click 🔍 Add First Asset. The full Add Asset wizard opens in simulate mode.
3. Search for an asset, fill in quantity, price, and income details just as you would when adding a real asset.
4. Click 📐 Simulate Impact. The placement is added to your list.
5. Repeat to add more placements — there is no limit.

Managing Placements

Each placement appears as a compact card on the left side. You can:

• Edit inline — Adjust quantity, buy price, market price, or income directly on the card
• ✏️ Edit — Reopen the full wizard to make deeper changes
• ✕ Remove — Delete a placement from the simulation

Portfolio Impact Panel

The right column shows the combined effect of all placements:

• Capital Deployed — Total cost of all proposed trades
• Before → After comparisons for: Available Cash, Invested Capital, Monthly Income, Portfolio Yield, Net Asset Value
• Cash Balance Bar — Visual before/after comparison
• Cash Warning — Red alert if simulation exceeds available cash

Impact updates in real time as you add, edit, or remove placements.

Print Simulation Report

Click 🖨 Print / Save Simulation Report to generate a professional report with all proposed placements in a table and the full before/after impact analysis. Opens in a new window for printing or PDF export.

🧠 AI Investment Advisor

AI-powered investment guidance with risk profiling, recommendations, simulation, and reporting.

Investment Profile

On first visit, a guided wizard helps you build your investment profile:

• Risk Tolerance — Conservative to Aggressive
• Investment Horizon — Short-term to Very Long-term (15+ years)
• Income Needs — None to Primary Income Source
• Experience Level — Beginner to Expert
• Age Range — Under 30 to Over 60
• Goals & Constraints — Free-text investment goals and preferences (e.g. Shariah-compliant, no tobacco, minimum yield)

Your profile is used by the AI to tailor all advice and recommendations to your specific situation.

AI Simulate Tab

Choose from pre-built scenarios or describe your own:

• ⚖️ Rebalance Portfolio — Optimise allocation to match your risk profile
• 💰 Maximise Income — Swap low-yield positions for higher income alternatives
• 🛡️ Reduce Risk — De-risk your portfolio while preserving returns
• 📈 Growth Focus — Shift to growth-oriented positions for capital appreciation
• Custom Scenario — Describe any what-if scenario in your own words

The AI analyses your current portfolio, risk profile, and goals, then proposes specific investment products with real names, tickers, ISIN codes, quantities, prices, and expected income. These are automatically loaded into the simulator.

Investment & Leverage Settings

Before running a simulation, configure the Investment & Leverage Settings panel:

• Capital to Invest — Free-text amount: how much of available cash the client wants to deploy (no need to go all-in)
• Leverage Ratio — Select from No Leverage, 1:1, 1:2, 1:3, 1:4, or 1:5. With 1:1 leverage, the client puts up 1 part equity and borrows 1 part — doubling the deployable capital
• Loan Currency — The currency of the Lombard/margin facility (can differ from product currencies, e.g., CHF loan for USD products)
• Interest Rate — Annual interest rate on the facility (interest-only, no capital repayment)

The summary bar shows: Own Equity, Total to Deploy, Borrowed Amount (in loan currency), and Interest Cost. When leverage is active, the AI constructs an income-optimised portfolio where the weighted yield exceeds the borrowing cost.

Simulator Tab

All AI-proposed products appear as collapsible cards in the simulator:

• Compact View — One-line summary per product showing name, ticker, ISIN, quantity × price, cost, income, and ROI%
• Expand to Edit — Click any card to expand and edit quantity, buy price, current price, or income per unit
• Live Updates — Changes instantly update the compact overview line and the portfolio impact panel
• Portfolio Impact — Before vs After comparison for: Available Cash, Invested Capital, Monthly Income, Portfolio Yield, and NAV
• Facility Breakdown — When leverage is active: Your Equity vs Borrowed vs Total Position, plus Gross Income → Interest Cost → Net Income → ROE on equity
• Historical Backtest — Click "📈 Historical Backtest" to see how the simulated portfolio would have performed historically (see below)
• AI Review — After making changes, click "AI Review My Changes" for the AI to analyse your modifications
• Email to Bank — Generate a professional email draft with all order details (product name, ticker, ISIN, quantity, price) ready to send to your relationship manager
• Print Report — Generate a print-ready simulation report with full placements table and impact analysis
• Save Simulation — Save your simulation for future reference

Simulation state persists across page navigation — you can browse other pages and return without losing your work.

Historical Backtest

After building a simulation (manually or via AI), click the 📈 Historical Backtest button to see how the portfolio combination would have performed historically:

• Time Ranges — Select 1M, 3M, 6M, 1Y, 2Y, or 5Y lookback periods
• Combined NAV Chart — Interactive Chart.js line chart showing the combined portfolio value over time (gold line with fill)
• Individual Product Lines — Toggle any product on/off to see its individual historical NAV as a dashed overlay line
• Key Metrics — Total Return %, Max Drawdown %, Annualised Volatility %, and current Portfolio Value
• Product Performance Cards — Each product's individual return and max drawdown, color-coded for quick comparison
• Tooltip Details — Hover over the chart to see exact values for each visible line on any date

Historical data is fetched from Yahoo Finance for all products with ticker symbols. Products without tickers are excluded with a warning note.

Real-Time Market Intelligence

The AI Advisor receives live market data before every interaction:

• Financial News — Latest headlines from Reuters, CNBC, MarketWatch, NYT Business, and BBC Business via RSS feeds
• Market Indices — Live prices for S&P 500, Dow Jones, Nasdaq, VIX, US 10Y Treasury Yield, Gold, Crude Oil, US Dollar Index, and Bitcoin
• Central Bank Data — Federal Funds Rate from the FRED database

This intelligence is injected into every AI prompt, enabling the advisor to reference specific market levels, cite recent news events, and position portfolios based on the current macroeconomic environment — not just generic rules.

Report Tab

The Report tab organises all AI-generated content into two categories:

• 📋 Portfolio Analysis — Comprehensive AI analysis of your current portfolio including health check, risk assessment, income analysis, and strategic outlook. Click "Generate Portfolio Analysis" to create a new one.
• 🤖 Investment Recommendations — All AI simulation results and reviews from the AI Simulate tab, listed with generation dates.

Click any report to view it. Reports can be printed or exported to PDF. You can delete reports you no longer need.

Ask Your Advisor

Ask any investment question in the text box. The AI considers your profile, current holdings, and market context to provide personalised answers. If the response includes specific product recommendations, they are automatically loaded into the simulator.

📈 NAV History & Analytics

Track your portfolio value, leverage costs, and currency impact over time.

Chart Overview

The Portfolio Value History chart on the Holdings page shows an interactive Chart.js line graph with up to four data series. It appears between the Capital Structure bar and the asset table.

Chart Lines

Toggle lines on/off using the coloured pill buttons above the chart:

Period Selector

Choose from 1M, 3M, 6M, 1Y, or ALL to view different time ranges. The selected period is highlighted in gold.

Summary Statistics

Above the chart, a banner shows key metrics for the selected period:

• Current NAV — latest net asset value
• Change — absolute change from first to last date in the period
• Return % — percentage change with green/red colouring
• High / Low — peak and trough NAV in the period
• Cum. Income — total accumulated income from dividends, coupons, and distributions
• Liabilities — total loan value in your base currency

Collapse / Expand

Click the ▾/▸ chevron or the title text to collapse the chart into a single line. Your preference is saved across sessions. This is useful if you prefer to see the asset table immediately.

Calculate History (Backfill)

When no historical data exists, the chart shows an empty state with a ⚡ Calculate History button. Clicking this will:

1. Fetch historical FX rates for all portfolio currencies
2. Fetch historical prices for each asset (via ticker or ISIN)
3. Compute daily NAV, leverage cost, and FX impact for the past year
4. Save all snapshots to the database for instant loading on future visits

Data Persistence

All NAV snapshots are stored in the database. On subsequent logins, the chart loads instantly from saved data. New snapshots are added automatically whenever you update an asset.

⚙️ Settings

Configure your portfolio, currencies, account, and tools.

Portfolio Tab

• Active Portfolio — Select which portfolio to view/manage
• Portfolio Name — Edit the display name of your portfolio

Currencies Tab

• Base Currency — Dropdown to select your reporting currency (40+ options)
• ⚡ Fetch Live Rates — Pull latest exchange rates from Yahoo Finance
• Favourite Currencies — Toggle which currencies appear in the quick-switch dropdown in the top bar

Account Tab

• Full Name — Update your display name
• Change Password — Opens a secure password change dialog

Tools Tab

• Refresh All Prices — Bulk update prices for all assets with tickers or ISINs
• Print Statement — Generate a portfolio statement with configurable sections

🔐 Administration

System management for admin users.

System Statistics

Overview cards showing: total users, total assets across all portfolios, total portfolios, and number of admin accounts.

API Key Management

Each key shows a real-time validation status (green ✓ if valid, red ✗ if invalid or missing).

User Management

• Search & filter users by name
• Add new users with username, name, email, and role
• Edit users — change name, role, or status
• Deactivate users — soft-disable (account retained for audit purposes)

Portfolios Overview

View all portfolios across all users: owner, name, asset count, and base currency.

🖨️ Printing & Export

Generate professional print-ready reports from any page.

Portfolio Statement

1. Click the 🖨 button in the top navigation, or go to Settings → Tools → Print Statement.
2. The Print Options dialog lets you choose which sections to include: Holdings, Expenses, or high-level summaries only.
3. Click Generate. A professional statement opens in a new window.
4. Use your browser's Print dialog (Ctrl+P or Cmd+P) to print on paper or Save as PDF.

Print Portfolio (Holdings Page)

The 🖨 Print Portfolio button on the Holdings page generates a detailed report with all asset information expanded, including price history charts for each position.

Simulation Report

From the Simulate page, click 🖨 Print / Save Simulation Report to generate a report covering all proposed placements and the complete before/after impact analysis.

AI Advisor Reports

Both portfolio analysis and simulation reports can be printed directly from the AI Advisor page. Each report includes a 🖨 Print / PDF button that formats the content for printing.

🏷️ Asset Types Reference

The 9 asset classes supported by CVI PW.

💱 Currencies & FX

Multi-currency support with live exchange rates.

Base Currency

Your base currency is the currency in which all portfolio values are displayed. All asset values in different currencies are automatically converted using the stored exchange rates.

Change it via: top-bar currency button or Settings → Currencies → Base Currency.

Supported Currencies

CVI PW supports 40+ currencies including: USD, EUR, GBP, AED, CHF, SGD, JPY, CNY, SAR, INR, CAD, AUD, HKD, MYR, SEK, NOK, DKK, KWD, QAR, BHD, OMR, JOD, TRY, ZAR, and many more.

Fetching Live Rates

1. Go to Settings → Currencies.
2. Click ⚡ Fetch Live Rates.
3. Exchange rates are pulled from Yahoo Finance and saved to your portfolio.
4. A timestamp shows when rates were last updated.

Favourite Currencies

Customise which currencies appear in the quick-switch dropdown in the top navigation bar. Toggle currencies on/off in the Currency Menu grid under Settings → Currencies.

How Conversion Works

All rates are stored relative to USD as the reference. The conversion formula is:

For example, to convert 1000 AED to EUR: (1000 ÷ 3.67) × 0.92 ≈ 250.68 EUR

📖 Glossary

Key financial terms used throughout CVI PW.

📚 Knowledge Center — Bond & Sukuk Structures

Comprehensive reference for all note structures available on the CVI Private Wealth FixedNote platform, including conventional bonds and Shariah-compliant Sukuk instruments.

Conventional Bond & Note Types

☪ Sukuk — Shariah-Compliant Structures

Sukuk Structure Types

CVI supports six AAOIFI-recognized Sukuk structures. The appropriate type is recommended automatically by the Shariah screening engine based on the underlying assets and strategy:

☪ CVI Shariah Screening & Certification Process

Conventional Bonds vs Sukuk — Quick Comparison

❓ Frequently Asked Questions

Quick answers to common questions.

General

Assets & Pricing

Currencies & FX

Simulation & Backtest

AI Advisor

Account & Access

🔧 Troubleshooting

Solutions to common issues.

Price Refresh Not Working

Charts Not Displaying

Print Window Not Opening

AI Features Not Working

Session Expired / Logged Out

Currency Values Look Wrong

⌨️ Keyboard Shortcuts & Tips

Work faster with these shortcuts and power-user tips.

Browser Shortcuts

Power-User Tips

• Quick currency switch — Use the top-bar currency button for instant base currency changes without leaving your current page.
• Batch price refresh — The ⚡ button updates all assets in parallel. It's faster than editing each one individually.
• ISIN paste — When adding assets, paste the full ISIN directly into the search field. The system auto-detects the format.
• Inline editing in Simulator — After adding a placement, tweak quantity or price directly on the card without reopening the wizard.
• Print to PDF — Use "Save as PDF" in your browser's print dialog to create shareable PDF documents from any report.
• Dark mode — Click the moon/sun icon for comfortable viewing in low-light conditions. Your preference is saved.
• AI Import shortcut — Skip manual form entry entirely by pasting trade confirmations into the AI Import tab.