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Sophia Bennett’s proposalExecutive · $20.6M · risk 4 of 5

Portfolio total

$20.6M33 positions

Cash held$2.9M

+ Proceeds$0

− Invested$0

− Set aside$650K

Net to deploy$2.3M

Today

$20.6M5 CLASSES

Proposed

$20.6M5 CLASSES

Asset class / holding

Current

Proposed

Change

EmberX AI

Ask for a draft proposal, or work a trade idea into the one on screen.

Sophia’s cash has been idle since her last vest. Draft a proposal that puts it to work.

Risk 4 of 5 (6–7%) · $20.6M over 33 positions

Two things stand out: $2.9M is sitting in cash, and a quarter of the book is one balanced mandate. Short duration first, to put the cash to work without adding rate risk — then a diversifying sleeve.

Reading the product shelf

225 products on the shelf

Sizing a position

$1.65M of Meridian Short Duration for 8.0%

Testing the trades

4 trades → 6.58% return, 9.94% vol · funded

Putting the trades on screen

4 suggestions · $4.29M moved

WORKING

Four changes. Three additions in fixed income and infrastructure, funded by idle cash and a $1.2M trim of the balanced mandate. Expected return rises from 6.46% to 6.58% while volatility falls to 9.94%.

Worth raising before you present: the infrastructure line is the least liquid thing in the set.

✦ Suggested by EmberX · 4 trades

ADDMeridian Short Duration Bond Fund+1,648,000

ADDHarbourline Emerging Markets Debt+824,000

ADDCaldera Global Infrastructure Fund+618,000

TRIMNorthgate Balanced Mandate−1,200,000

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Sophia BennettExecutive · $20.6M portfolio

From the firmRead only

4of 5 · risk profile

6–7%expected p.a.

−25%loss accepted

5y+horizon

Financial background

$28Mnet worth

$21Minvestable

$17Mliquid

$1.4Mannual income

Suitability

Risk tolerance6–7% p.a., a −25% year4/5

Liquidity needsIncome from spring 20272/3

Product knowledge7 experienced · 5 knowledge only›

ObjectiveGrowth now, income later3/4

In a downturnHold and rebalance2/3

About this client

01Backgroundexecutive

Chief operating officer at a listed medical-devices firm; most of the wealth arrived as vested stock. Retires next spring and wants the portfolio to pay her an income, with $650K kept aside for a new home. Diversifying out of her employer’s shares over time.

02Investment preferences16 more · 13 same · 5 less

Qualitative noteWants income she can count on, without giving up all of the growth.

34 preferences across 4 asset classesOpen all 34 ›

↑ More · 16

Fixed incomeEquityLarge capStructured productsPrivate marketsInfrastructureBalanced mandatesDividend equities

↓ Less · 5

CashMoney marketCommoditiesDigital assets

EmberX AI

Ask anything about Sophia, from her goals to her birthday.

Would Sophia invest more in structured products?

Getting client Reading the client’s profile and portfolio Risk 4 of 5 (6–7%) · $20.6M over 33 positions

Clarifying client preferences

Yes, within limits. Structured products are on her list for more exposure.

She has asked for more structured products.

She’s experienced with equity-linked notes; other structures are knowledge only.

She needs income from next spring, and most notes lock capital up for 3–5 years.

So the appetite is there, but any note should be one she knows, and shouldn’t tie up her income.

Does she own any today?

Reviewing holdings Reading the client’s portfolio

Confirming structured product holdings

Yes, one. $0.6M in an equity-linked note, 2.9% of her book, maturing in 2028.

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Returns, risk, income, fees and liquidity in one view, measured against the client’s plan and your CIO’s view.

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Sophia Bennett’s portfolioExecutive · $20.6M · risk 4 of 5 · as of Sep 27

OverviewAllocationHoldingsPerformanceIncomeFeesPrivate marketsRisk & scenariosHouse view checkPeers

Portfolio value$20.6M31 holdings · 5 classes

Return YTD+5.4%−1.2% vs benchmark 6.6%

Yield2.5%≈ $520K a year

Avg fund fees0.68%peer median 0.55%

Cash, idle$2.9M14.1% · CIO view 3%

Stress testsWorst point · 5 scenarios

2008 financial crisis−29.3%

2020 COVID−18.0%

2022 rate shock−16.7%

Rates +200bp−7.9%

Asia growth shock−4.9%

Measured against her −25% loss tolerance (dashed). 2008 breaks it; the other four stay inside.

Performance contributionYear to date

Kestrel Global Equity+1.3

Northgate Balanced+1.1

Vantage US Tech+0.9

Meridian Core Bond+0.3

Ashby Real Estate−0.4

Orbit Software−0.3

Percentage points of YTD return. Idle cash cost about 0.5 against the benchmark.

Deviation from CIO viewWeight vs house view

NOWCIOGAP

Cash14.1%3%+11.1

Fixed income20.2%28%−7.8

Short duration0%8%gap

Equities44.3%45%−0.7

Alternatives18.5%20%−1.5

Structured2.9%4%−1.1

3 holdings flagged by the house view check, incl. a long-duration bond now under review.

Return vs benchmarkYear to date

Portfolio5.4%

Benchmark6.6%

CIO model7.1%

Liquidity and capital callsNext 12 months

Liquid$2.9Mcash & equivalents

Calls · 12 mo$250Kpeaks as she retires

Unfunded$610Kacross 5 funds

✦ EmberXFrom spring, income covers 60% of her draw, and 2008 breaks her −25% limit. Move idle cash into short duration, as the CIO prefers.

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Trade ideas

37 from the firm, newest first

August 2026

CIO Weekly · 4 Aug43PP

Short-duration credit; US labour; AI hardware; Europe earnings

July 2026

CIO Weekly · 21 Jul47PP

Gulf oil and inflation; the dollar and gold; China tech

CIO Weekly · 14 Jul58PP

Sticky inflation; Taiwan capex; diversifying beyond AI

Mid-year outlook72PP

Six themes for the second half; positioning by asset class

June 2026

CIO Weekly · 30 Jun43PP

Fed and labour; Hormuz normalising; semiconductors

CIO Weekly · 4 Aug 202643 pages

Short-duration creditUS labourAI hardwareEurope earningsStructured notes

Read in fullAll 43 pages as published. The outline opens it at a section.

ContentsSummary

p 1–2

Cover and agendaScope and this week’s topics

p 3–7

Macro / StrategyEarnings revisions and the US labour market

p 8–11

EquitiesAI hardware beyond the model layer

p 12–15

Fixed IncomeShort duration: the carry without the rate risk

p 16–24

Foreign ExchangeYen intervention and the dollar

p 25–36

Structured ProductsBooster and fixed coupon notes on AI hardware

CIO Weekly · 4 Aug 2026p.14 of 43✕

CIO WEEKLY · 4 AUGUST 202614

FIXED INCOME

Short duration: the carry without the rate risk

Front-end yields remain near cycle highs, while the curve beyond five years still pays little extra for the duration it asks investors to carry.

We prefer one-to-three-year investment grade credit, which yields close to 5% with under two years of duration. Our preferred expression is the Meridian Short Duration Bond Fund.

1–3y

3–5y

7–10y

10y+

Yield per year of duration, investment grade credit. With spreads tight, we expect the front end to keep doing the work through year-end.

WHAT COULD GO WRONG

A sharp fall in policy rates would cut the income on reinvestment sooner than expected. Credit spreads have little room to tighten further, so the return here is mostly carry, not price.

Investors who need the cash within a year are better served at the very front end, where the ultra-short funds on the shelf trade yield for even less duration.

EmberX AI

Ask for a draft proposal, or work a trade idea into the one on screen.

What’s our house view on short-duration credit, and what on the shelf fits Sophia?

Reading the firm’s trade ideas

37 trade ideas, Jun 2023 to Aug 2026

Reading CIO Weekly · 4 Aug

pp. 12–15 · Fixed income

Reading the product shelf

225 products on the shelf

Reading two fund sheets

Meridian Short Duration · Calder Bay Ultra-Short

WORKING

House view: stay short. The front end pays close to 5% without the duration risk CIO Weekly · p.14, and the team expects it to keep doing the work through year-end p.15.

Meridian Short DurationCalder Bay Ultra-Short

Yield4.9%4.6%

Duration1.8 yrs0.7 yrs

Fee0.45%0.30%

Minimum$1K$25K

For Sophia, Meridian. It’s the CIO’s named expression p.14 and suits her income objective.

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Built by private-banking and AI operators.

EmberX brings together private banking and investment advisory expertise with a track record of building applied AI products for wealth management.

Co-founder & CEO
A decade in financial services, from serving as Senior Investment Specialist and Vice President at J.P. Morgan Private Bank to building the AI investment advisory business at Arta Finance.
- Arta Finance
- J.P. Morgan
- Stanford GSB
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Co-founder & CTO
A decade building AI products, from serving as first employee and Head of AI Research at Aquabyte (acquired 2025) to leading the AI research and engineering team at Arta Finance.
- Arta Finance
- Aquabyte
- DRW
- Princeton
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