Health score
98/100
Strong
90d inflow
BDT 28,310
Next 3 months
12m forecast
BDT 28,310
Current active book
Reinvestment efficiency
--
Reinvest capital + profit
Goal gap
BDT 0
On pace
Best scenario
Max return
Max return scenario
Scenario lab
| Mode | Allocated | Eff. ann. | Maturity posture | Risk | Tradeoff |
|---|---|---|---|---|---|
Max return Fully deployable | BDT 10,000 | 18.53% | 8.0m weighted term, moderate lock-up. | Risk posture stays inside current comfort bands. | Pushes harder for annualized return, but concentration pressure rises faster. |
Balanced Fully deployable | BDT 10,000 | 18.53% | 8.0m weighted term, moderate lock-up. | Risk posture stays inside current comfort bands. | Balances deployability, return quality, and concentration pressure most evenly. |
Safety-first Fully deployable | BDT 10,000 | 18.53% | 8.0m weighted term, moderate lock-up. | Risk posture stays inside current comfort bands. | Gives up some upside to keep protection and diversification cleaner. |
Liquidity-friendly Fully deployable | BDT 10,000 | 18.53% | 8.0m weighted term, moderate lock-up. | Risk posture stays inside current comfort bands. | Favors quicker capital recycling over the longest locked-up return lines. |
Health / signals
98
Portfolio health
Diversification
100
Platform and category concentration are staying inside comfort bands.
Liquidity balance
93
Duration ladder remains workable for capital recycling.
Impairment posture
100
Delayed and defaulted positions are not dominating the book.
Protection mix
100
Protected exposure is carrying a reasonable share of capital.
Cash efficiency
100
Returned cash is recycling efficiently.
Strongest positive
Diversification: Platform and category concentration are staying inside comfort bands.
Biggest drag
Liquidity balance: Duration ladder remains workable for capital recycling.
Maturity balance
Near-term maturities should keep cash recycling active.
Idle cash efficiency
Returned cash is not building up materially.
Watch
High category concentration
Cash flow forecast
| Month | Capital back | Profit | Total inflow |
|---|---|---|---|
| Oct 2026 | BDT 10,000 | BDT 950 | BDT 10,950 |
| Nov 2026 | BDT 0 | BDT 0 | BDT 0 |
| Dec 2026 | BDT 15,500 | BDT 1,860 | BDT 17,360 |
| Jan 2027 | BDT 0 | BDT 0 | BDT 0 |
| Feb 2027 | BDT 0 | BDT 0 | BDT 0 |
| Mar 2027 | BDT 0 | BDT 0 | BDT 0 |
| Apr 2027 | BDT 0 | BDT 0 | BDT 0 |
| May 2027 | BDT 0 | BDT 0 | BDT 0 |
| Jun 2027 | BDT 0 | BDT 0 | BDT 0 |
| Jul 2027 | BDT 0 | BDT 0 | BDT 0 |
| Aug 2027 | BDT 0 | BDT 0 | BDT 0 |
| Sep 2027 | BDT 0 | BDT 0 | BDT 0 |
Reinvestment simulator
18.5% basis| Behavior | 6m | 12m | 24m |
|---|---|---|---|
| Hold cash | BDT 110,427 Profit BDT 6,927 Cash BDT 28,310 | BDT 183,292 Profit BDT 19,792 Cash BDT 28,310 | BDT 348,987 Profit BDT 65,487 Cash BDT 28,310 |
| Reinvest capital only | BDT 137,718 Profit BDT 8,718 Cash BDT 2,810 | BDT 213,004 Profit BDT 24,004 Cash BDT 2,810 | BDT 384,205 Profit BDT 75,205 Cash BDT 2,810 |
| Reinvest capital + profit | BDT 140,721 Profit BDT 8,911 Cash BDT 0 | BDT 216,273 Profit BDT 24,463 Cash BDT 0 | BDT 388,079 Profit BDT 76,269 Cash BDT 0 |
Goal planner
Capital target
Simulation basis
Projected
BDT 216,273
Growth
BDT 172,773
Addl. profit
BDT 24,463
Retained cash
BDT 0
Req. / mo
BDT 0
| Milestone | Projected capital | Addl. profit | Retained cash |
|---|---|---|---|
| Now | BDT 43,500 | BDT 0 | BDT 0 |
| 6m | BDT 140,721 | BDT 8,911 | BDT 0 |
| 12m | BDT 216,273 | BDT 24,463 | BDT 0 |
Goal / advisor notes
Best-fit mode
Max return
Scenario basis
Max return scenario
Reinvestment
Reinvest capital + profit
Time to target
1 months
Main blocker
Current pace already covers the stated target.
Next action
Stay disciplined on max return execution.
Recommendation
Current trajectory is ahead of the target. Max return remains the cleanest mode to keep pace without overreaching.