More context for the portfolio review
Managers needed a clearer view of asset allocation and diversification alongside the information already available
web product · investments · 2022–2025
Sberbank
Designing investment tools
for high-net-worth clients and their managers
- Role
- Product Designer
- Scope
- Research, UX, UI, usability testing
- Platform
- Web
- Team
- Product, analytics, research, engineering
- Timeline
- 2022–2025
The challenge
The conversation needed more than a list of investments
Sber’s relationship managers reviewed investments with premium clients as part of a wider financial planning meeting. The manager operated the tablet; the client followed the screen and discussed the plan.
The existing tool showed holdings, risk information and a draft of proposed changes. Managers still relied on explanations, presentations and other materials to connect those changes to the client’s goals.
A goal discussed, but not shown
Clients could see existing investments and proposed changes, but had no visual reference for the portfolio they were working towards
A catalogue out of step with the discussion
Managers started with a needed asset class, then considered ways to invest in it. Product discovery needed to follow that logic.
where this work fits
Reviews took place at least every six months, in the office or elsewhere. Our team owned the investment planning part of the broader consultation.
- Savings
- Retirement
- Investments
- Insurance
my contribution
I was the team’s sole product designer. With the PM and analysts, I observed consultations in branches and gathered feedback from managers and their leads, in person and through chat. I designed the portfolio, goal-setting and catalogue interfaces in close collaboration with analysts and engineers.
Portfolio overview
Make the portfolio’s structure visible
Manager feedback pointed to a need for more portfolio-level information. I expanded the overview to show asset allocation and diversification alongside the existing risk information.
The summary gave the manager and client a shared view of the portfolio’s structure, with individual holdings below. The manager could use it to explain how the client’s investments were distributed.
Goal calculator & target portfolio
Give the client’s goal
a visible reference
We saw that managers already started with the client’s goal. I brought that part of the conversation into the interface: a calculator to explore the goal, followed by a target allocation to compare with the current portfolio.
The old “New portfolio” was a draft of proposed purchases and changes. Target introduced a different reference: the allocation the client was working towards.
Explore the goal
Discuss the amount, horizon
and contributions
See the target
The system calculates
a target allocation
Discuss the difference
Compare with the current portfolio
before exploring products
Make the assumptions
part of the discussion
When no target was defined, the manager opened the goal calculator and explored the inputs with the client. The screen made the amount, timeline, contributions and inflation scenario visible.
The manager could return to the calculator and revise the goal as the conversation developed.
A difference the manager can point to
Putting both allocations together makes the direction visible. The manager explains what the differences mean for this client.
investment catalogue
Start with the asset
class. Then find the
product
A needed asset class did not correspond to one product type. For example, stock exposure could come through a brokerage account or a fund. Managers considered these routes before choosing a product.
I organised the catalogue around that sequence: asset class → investment method → specific product. This connected product discovery to the portfolio discussion.
what changed in the design
More of the investment
discussion inside the
tool
The work extended an existing service around how managers already worked. Each change supported a different part of the consultation: understanding the portfolio, discussing a goal and exploring investment products.
A broader view
of the portfolio
Allocation and diversification added context alongside risk and holdings.
A goal clients
could see
The calculator and Target gave the conversation a visible reference.
A catalogue built
around the decision
Asset class, investment method and product became a clear hierarchy.
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