Check investment proposals against the client profile

Advisers check whether investment proposals fit the client profile

Needs setupAI Act: no extra obligationsChecking & moderating contentAsset management

Fits: Legal & compliance · Sales

Before a proposal goes to the client, a check table shows where it does not fit the risk class, investment horizon, capacity for loss, knowledge or sustainability preferences. The adviser sees gaps earlier and can justify their suitability statement properly.

Is this for you?

  • You advise private clients on securities or manage portfolios, and currently check suitability by hand or with rigid rules in the advisory system.
  • Client profiles and product data (risk class, term, target market, sustainability characteristics) are available in structured form.
  • You want a second check that reports deviations with reasons, not a machine that makes recommendations itself.
First step today

Make up a client profile and an investment proposal with four positions, without real client data and without product names. Add your five most important in-house suitability rules and have them checked with the template below. Compare the table with what your compliance team would point out.

How to go about it

  1. Write down the firm’s suitability rules in a checkable form
  2. Bring together profile, proposal and product data
  3. Set up the check in the approved system
  4. Present deviations to the adviser and compliance
  5. Adjust the proposal and justify suitability
  6. Refine rules and review false alarms every quarter

Templates to copy

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The complete guide

  • 6 steps explaining exactly what to do
  • 3 proven templates to copy into your own AI
  • Safe use: data, checking, deciding, informing
  • Pitfalls, effort and how to recognise success

With the training you get all 430 guides for as long as your access runs.

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Same approach, other use cases

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VV-05 · Legal status 08.10.2026