How does tax-loss harvesting work?

When a position has an unrealized loss exceeding a threshold, the system sells it to realize the tax loss, then immediately buys a correlated but not 'substantially identical' security (per IRS wash-sale rules) to maintain market exposure. The harvested loss offsets capital gains tax.

What is a time-weighted return?

Time-weighted return (TWR) measures portfolio performance independently of cash flows in or out. It's the industry standard for evaluating investment manager performance. The system calculates daily sub-period returns and chains them to compute the TWR over any reporting period.

What is an AUM fee and how is it calculated?

Assets Under Management (AUM) fee is the advisor's annual fee as a percentage of the portfolio value (e.g., 0.25%). Monthly billing charges 1/12 of the annual rate on the portfolio's end-of-month value. The fee is deducted from the portfolio by selling assets in proportion to the allocation.

Finance & Banking

Build a Robo-Advisory Investment Platform with AI - in Hours

ProjectCode generates a complete, production-ready Robo-Advisory Investment Platform from a single natural language prompt. In hours instead of months, you get a React frontend, NestJS REST API, PostgreSQL database, and authentication - fully integrated, live-previewed, and deployed to a URL you own.

Estimated build time: 2–4 hours

Build my Robo Advisor now View pricing

Free to start · No credit card required

The Challenge

Why building a Robo Advisor from scratch is hard

Building a Robo-Advisory Investment Platform from scratch requires months of development time and significant engineering resources. Teams struggle to coordinate frontend, backend, database, and authentication while managing robo advisor-specific business logic, integrations, and role-based access rules.

What's Included

Everything your Robo Advisor needs

ProjectCode generates a production-ready Robo Advisor with all the modules your team needs from day one.

Risk profiling questionnaire with portfolio recommendation

Automated portfolio construction using ETFs

Rebalancing engine with tax-loss harvesting

Custodian integration for brokerage account management

Performance reporting with time-weighted returns

Goal-based investing with projected scenarios

Fee management: AUM-based billing

Regulatory reporting: KYC, AML, and suitability documentation

Architecture

How it's built

The generated Robo Advisor follows production-grade architecture patterns.

React 18 + TypeScript frontend with role-based dashboards tailored for robo advisor workflows

NestJS REST API with dedicated robo advisor modules, DTOs, validators, and service layer

PostgreSQL relational schema with normalized tables for all robo advisor entities

JWT + Google OAuth authentication with granular permission gates per role

Real-time Socket.IO events for live robo advisor status updates and notifications

Managed hosting with one-click deploy, custom domain, and auto-SSL

Database

PostgreSQL schema designed for Robo Advisor

ProjectCode generates a normalized, indexed PostgreSQL schema with the right tables and relationships for your use case. You own the schema and can evolve it freely.

clients (id, user_id, risk_profile, goals jsonb, aum, portfolio_id, kyc_status, workspace_id)
portfolios (id, client_id, allocation jsonb, rebalance_threshold, tax_lot_method, last_rebalanced_at)
holdings (id, portfolio_id, ticker, quantity, cost_basis, current_value, unrealized_gain)
transactions (id, portfolio_id, date, type, ticker, quantity, price, amount, tax_lot_id)

schema.sql (preview)

-- Generated by ProjectCode
-- Robo-Advisory Investment Platform schema

CREATE TABLE clients__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE portfolios__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE holdings__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE transactions__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

Tech Stack

Production-ready from day one

Every generated app uses a battle-tested stack you can deploy anywhere and own completely.

Frontend

React 18 + TypeScript + Tailwind CSS

Backend

NestJS 10 + Node.js + TypeScript

Database

PostgreSQL (managed or Supabase)

Auth

Email OTP · Google OAuth · GitHub OAuth

Deployment

Managed hosting · Custom domain · Auto-SSL

AI Models

Claude Sonnet · Claude Opus · Kimi

Try It Now

Example prompt to get started

Copy this prompt into ProjectCode and get a working app in minutes.

ProjectCode prompt

Build a robo-advisory platform for a registered investment advisor managing $500M AUA. Include a 10-question risk profiling quiz generating one of 5 risk profiles, automated portfolio construction using low-cost ETFs, daily rebalancing with 5% drift tolerance, tax-loss harvesting by selling losing positions and replacing with correlated substitutes, Apex Clearing custodian integration, time-weighted return performance reports, goal projections (retirement, home purchase), AUM-based fee billing at 0.25% annually, and KYC/AML documentation collection.

Build this now - it's free

Deployment

Deploy your Robo Advisor anywhere

Managed hosting

One-click deploy to a live URL managed by ProjectCode.

Custom domain

Connect your own domain with auto-provisioned SSL via Cloudflare.

GitHub export

Push to your GitHub repo and self-host or deploy via Vercel, Railway, or AWS.

Docker ready

Export a Dockerfile and docker-compose for any containerized environment.

Pricing

Start free, scale as you grow

No per-seat fees. No vendor lock-in. Token-based pricing that scales with your usage.

Free

Start building your first app. Live preview, managed hosting, and full code export included.

Token Packs

From $5

Purchase token packs that roll over every month. Build more, pay only for what you use.

Enterprise

Custom

Custom models, SLA, SSO, and private cloud deployment for large teams.

See full pricing details

FAQ

Common questions about building a Robo Advisor

The system monitors each portfolio's actual allocation vs the target allocation daily. When any asset class drifts more than 5% from target, a rebalancing order set is generated to sell overweight assets and buy underweight ones. Orders are executed via the custodian API.

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Building a Subscription Billing Platform from scratch requires months of development time and significant engineering resources. Teams struggle to coordinate frontend, backend, database, and authentication while managing subscription billing-specific business logic, integrations, and role-based access rules.

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Build your Robo Advisor in hours, not months

Start free. No credit card. Your first app is live in minutes.

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