# FinanceManager Backlog

This backlog records approved future modules that are intentionally not built in the current MVP hardening block.

## Near-term sequence

1. Broker/bank structural mapping and dry-run importers.
2. Equity/ETF initial snapshot dry run.
3. Productive equity/ETF import only after explicit approval and verified runtime backup.
4. Equity/ETF market data + FX.
5. Gesamtportfolio dashboard with visual analytics.
6. Data Quality Center.
7. Watchlist / Decision Journal.
8. Scores / Rebalancing.
9. Backtesting / Monte Carlo / Projected Return.
10. Personal Finance / Cashflow / Budgeting Module — see `docs/personal-finance-cashflow-budgeting-backlog.md`.

## Portfolio Health page

- Total value in CHF.
- Asset classes.
- Platforms.
- Data quality.
- Cash quota.
- Missing prices and FX.

## Reconciliation / Abgleich page

- Dashboard holdings vs. last snapshot.
- Manual review marker: holding checked on date X.
- Make differences visible.

## Data Quality Center

- Missing prices.
- Stale prices.
- Missing FX.
- Missing ISIN.
- Missing CoinGecko ID.
- Incomplete history.
- Old/unresolved alerts.
- Import problems.
- Button: Recheck.
- Button: Resolve fixed alerts.

## Manual Review Queue

- Skipped coins.
- Uncertain crypto mappings.
- Missing stock/ETF mappings.
- Import rows with errors.
- Open alerts.
- Open data-quality problems.
- Manual decision capture.

## Backup / Restore

- Runtime DB backup.
- Runtime DB restore with explicit confirmation.
- Backup verification with SHA256 checksum.
- Optional encrypted backup.
- Restore test before broader productive imports.

## Safe Mode / Read-only Mode

- Dashboard read-only by default.
- Explicit enablement for write actions.
- Review/confirm before every write.
- Visible environment indicator: `Live Runtime DB` vs. `Demo DB`.
- Guard rails against accidental changes.

## Command Center UX

The Command Center should immediately show:

- Total value CHF.
- Overall data quality.
- Critical alerts.
- Missing prices/FX.
- Largest movements.
- Portfolio allocation.
- Open decisions.
- Report buttons.
- Last backup timestamp.

## Import Wizard UX

For real broker data:

1. Select file.
2. Select source.
3. Review mapping.
4. Dry run.
5. Show warnings.
6. Create/verify backup.
7. Explicit commit confirmation.
8. Show result and audit summary.

## Visual Analytics Layer

### Portfolio Heatmap / Treemap

- Tile size = portfolio weight.
- Color = performance, risk score or data quality.
- Click on asset opens detail view.

### Allocation charts

- Asset class.
- Platform/depot.
- Currency.
- Country/region.
- Sector.
- Core vs. opportunity.
- Crypto vs. traditional assets.

### Contribution Analysis

- Contribution of each asset to total gain/loss in CHF.
- Contribution by asset class.
- Contribution by platform.
- Separate dividend/distribution contribution.

### Currency Exposure

- Direct currency per position.
- USD/EUR/CHF shares.
- FX P&L separately.
- Warning for high USD/EUR concentration.

### Performance Waterfall

- Start value.
- Deposits/withdrawals.
- Price gain/loss.
- Dividends/distributions.
- FX effect.
- Fees/taxes.
- End value.

## Risk & Correlation Tools

- Correlation matrix.
- Rolling correlation.
- Volatility.
- Maximum drawdown.
- Drawdown chart.
- Top-5 risk contributions.
- Concentration score.
- Platform/broker risk.
- Crypto share and crypto drawdown.
- ETF look-through later.

## Benchmark / Backtesting

- Portfolio vs. MSCI World.
- Portfolio vs. S&P 500.
- Portfolio vs. Nasdaq 100.
- Portfolio vs. BTC.
- Portfolio vs. own blended benchmark, e.g. 80/20.
- Relative strength vs. benchmark.
- Rolling returns.
- Backtest current allocation.
- Backtest scoring rules only when historical data is sufficient.

## Projection / Monte Carlo

Clearly label as simulation, not forecast.

- Monte Carlo simulation based on historical return/volatility.
- Scenarios:
  - conservative
  - neutral
  - optimistic
- Output:
  - range of possible outcomes
  - probability of reaching target amount
  - drawdown risk
  - transparent assumptions
- No language implying guaranteed returns or AI prediction.

## Scenario Stress Tests

- CHF +10%.
- USD/CHF -10%.
- Equity market -20%.
- Nasdaq -30%.
- Crypto -40%.
- Interest-rate increase.
- Inflation shock.
- Risk-off combined scenario.
- Single position -30%.

Output:

- Impact in CHF.
- Impact per asset class.
- Impact per platform.
- Cash quota after scenario.
- Limit breaches.

## Watchlist and Decision Journal

- Watchlist pipeline.
- Target prices.
- Triggers.
- Investment case.
- Bear case.
- Review date.
- Transfer to portfolio.
- Decision Journal as mandatory option for buy/sell/override.
- Obsidian Markdown export:
  - one Markdown file per decision
  - frontmatter with asset, date, action, reason, risk, review date
  - no sensitive values unless explicitly allowed.

## Local LLM Integration

Later only, never for final accounting/tax/recommendation decisions.

- Local news summaries.
- Local PDF summaries of bank documents.
- Bear-case drafts.
- Report-text drafts.
- Never final bookkeeping, FX, tax values or binding recommendations.

## Schweizer Income-/Tax-Kontrollmodul

Control module only; broker tax documents remain authoritative.

- Gross/net dividends.
- Swiss withholding tax 35%.
- Foreign withholding tax.
- Distributions per year.
- Hinweis: Broker-Steuerunterlagen bleiben maßgeblich.
- Not a complete tax dossier replacement.

## Eye Health / Low-Strain Mode

- Dark low-strain theme.
- High contrast.
- Few glaring colors.
- Clear traffic-light colors.
- Optional larger font.
- Suitable for longer analysis sessions.