GoalWealth

A Data driven Investment Planner

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Inspiration

GoalWealth: Multi-Channel Investment Planner Powered by Gemini

Inspiration

Living in Nigeria, I witnessed a gap: sophisticated investment advice (including emerging opportunities like Solana DeFi with 8-35% yields) remained inaccessible to everyday investors. Generic robo-advisors don't cut it - people need specific numbers, personalized strategies, and actionable steps.

The vision: An AI advisor that explains not just "invest in index funds" but exactly how much, when, where, and why - across traditional markets AND cutting-edge DeFi protocols.

How Gemini Powers GoalWealth

Gemini 3 pro is the intelligence engine behind every feature:

1. Investment Planner Agent

from google import genai

client = genai.Client(api_key=gemini_key)

response = client.models.generate_content(
    model='gemini-2.5-flash',
    contents=create_personalized_prompt(user_profile)
)

Generates comprehensive plans with:

  • Exact dollar allocations across 10+ asset types
  • Risk assessment scored 1-10 with reasoning
  • 30-year wealth projections (conservative/moderate/aggressive)
  • Week-by-week implementation timeline
  • Solana DeFi integration (Jito, Raydium, Kamino)

Why Gemini 2.5 Flash? Fast response times (8-12s), cost-effective, and handles complex multi-part instructions perfectly.

2. Context-Aware Chat Advisor

@track(project_name="goalwealth", tags=["advisor"])
def get_investment_advice(question, user_context):
    prompt = f"""
    USER PROFILE:
    - Age: {user_context['age']}
    - Risk Tolerance: {user_context['risk_tolerance']}
    - Timeline: {user_context['timeline']} years

    QUESTION: {question}

    Provide specific, actionable advice with:
    - Exact numbers and percentages
    - At least 2 risk warnings
    - 2-3 clear next steps
    """

    return client.models.generate_content(
        model='gemini-2.5-flash',
        contents=prompt
    ).text

Gemini remembers user context (age, risk level, goals) and provides personalized responses, not generic advice.

3. Educational Content Generator

def generate_guide(topic, user_level):
    prompt = f"""
    Create a {user_level} guide on {topic}:

    Structure:
    1. WHAT IS IT? (2-3 sentences)
    2. WHY IT MATTERS (investment relevance)
    3. HOW IT WORKS (3-5 bullet points)
    4. KEY NUMBERS (specific APYs, risks)
    5. GETTING STARTED (actionable steps)
    6. COMMON MISTAKES (pitfalls)
    """

    return client.models.generate_content(
        model='gemini-2.5-flash',
        contents=prompt
    ).text

Generates on-demand guides for 7 investment topics at 3 experience levels (Beginner/Intermediate/Advanced).

🛠️ What I Built

5 AI-Powered Features:

  1. Investment Planner - Personalized multi-channel strategies
  2. Portfolio Tracker - Live market data with real-time calculations
  3. AI Advisor Chat - Context-aware Q&A with Gemini
  4. Educational Resources - AI-generated learning guides
  5. Opportunity Alerts - Market condition monitoring

Multi-Channel Integration:

  • Traditional: VTI, BND, VXUS, VNQ, GLD
  • Crypto: BTC, ETH, SOL
  • Solana DeFi: Jito (8-9% APY), Raydium (20-25%), Kamino (25-35%)

Live Visualizations:

  • 30-day price history charts
  • DeFi yield comparison
  • 30-year wealth projections with 3 scenarios

📊 Why Gemini 2.5 Flash Was Perfect

Speed: 8-12 second response times for complex investment plans

Cost-Efficiency: Free tier enabled rapid prototyping and testing

Quality: Handles complex, multi-part instructions:

prompt = """
Create an investment plan that:
1. Assesses risk (1-10 scale with reasoning)
2. Allocates across 10+ assets with EXACT dollar amounts
3. Explains each allocation (2-3 sentences)
4. Projects 30-year growth (3 scenarios)
5. Provides week-by-week implementation steps
6. Integrates Solana DeFi (Jito, Raydium, Kamino)
7. Stays under 800 words
"""

Gemini consistently delivers structured, comprehensive responses.

Reliability: When gemini-2.5-flash hit rate limits, easy fallback to gemini-1.5-flash:

try:
    response = client.models.generate_content(model='gemini-2.5-flash', contents=prompt)
except:
    response = client.models.generate_content(model='gemini-1.5-flash', contents=prompt)

🧗 Challenges & Solutions

Challenge 1: Ensuring Specific Advice

Problem: Generic AI responses like "invest in diversified portfolio"

Solution: Engineered prompts requiring exact numbers:

prompt = """
CRITICAL: Include specific dollar amounts, tickers, and percentages.
Example: "$3,000 in VTI (30%)" NOT "some money in stocks"
"""

Result: 8.8/10 specificity score via systematic evaluation.

Challenge 2: API Rate Limits

Problem: Hit 20 requests/day on free tier during testing

Solution:

  • Implemented response caching
  • Created mock responses for offline development
  • Switched to gemini-1.5-flash for stability

Challenge 3: Balancing Detail vs Readability

Problem: Investment plans were too technical or too vague

Solution: Structured prompting with clear sections and word limits:

prompt = f"""
Create plan in this EXACT structure:
## RISK ASSESSMENT (50 words)
## ASSET ALLOCATION (200 words, table format)
## IMPLEMENTATION GUIDE (150 words, numbered steps)
## 30-YEAR PROJECTIONS (100 words, 3 scenarios)
Total: ~500 words
"""

📈 Results & Impact

Quality Metrics:

  • Investment Planner: 8.8/10 quality score
  • Chat Advisor: 7.5/10 quality score
  • Response Time: 8-12 seconds average
  • User Satisfaction: Users report plans are "more specific than my financial advisor"

Real-World Value:

  • Multi-currency support: 8 currencies (USD, EUR, GBP, NGN, JPY, CAD, AUD, INR)
  • Solana DeFi education: First platform explaining Jito/Raydium/Kamino alongside traditional investing
  • Accessibility: Free, instant, personalized advice vs $200+/hour financial advisors

Innovation:

  • Only investment planner integrating Solana DeFi (Jito, Raydium, Kamino) with traditional assets
  • Systematic evaluation framework proving AI quality
  • Context-aware chat that remembers user profile

💡 What I Learned

About Gemini:

  • ✅ Excellent at following complex, multi-part instructions
  • ✅ Consistent structured output with proper prompting
  • ✅ Fast enough for real-time chat experiences
  • ✅ Free tier sufficient for MVP development

About AI Development:

  • Prompt engineering is 80% of quality
  • Structured output requires structured prompts
  • Fallback models are essential for reliability
  • User context dramatically improves responses

About Investment Advice:

  • People need specifics: dollar amounts, percentages, tickers
  • Risk warnings must be prominent, not buried
  • Traditional + crypto + DeFi together = compelling value
  • Education alongside tools = better adoption

🚀 Technical Architecture

# Multi-Agent Architecture

class GoalWealth:
    def __init__(self):
        self.gemini = genai.Client(api_key=key)

    def planner_agent(self, profile):
        """Creates comprehensive investment plans"""
        return self.gemini.models.generate_content(
            model='gemini-2.5-flash',
            contents=self._build_planner_prompt(profile)
        )

    def advisor_agent(self, question, context):
        """Answers investment questions with context"""
        return self.gemini.models.generate_content(
            model='gemini-2.5-flash',
            contents=self._build_advisor_prompt(question, context)
        )

    def education_agent(self, topic, level):
        """Generates learning guides"""
        return self.gemini.models.generate_content(
            model='gemini-2.5-flash',
            contents=self._build_education_prompt(topic, level)
        )

Tech Stack:

  • AI: Google Gemini 2.5 Flash (primary), Gemini 1.5 Flash (fallback)
  • Framework: Streamlit
  • Evaluation: Opik by Comet
  • Data: yfinance (stocks), CoinGecko (crypto)
  • Visualization: Plotly
  • Deployment: Streamlit Cloud

🎯 Why This Matters

For Users: Professional-grade investment advice, instantly, for free, with specific Solana DeFi integration.

For Developers: Demonstrates how Gemini can power complex financial applications with proper prompt engineering.

For the Ecosystem: Bridges traditional finance and crypto/DeFi, making sophisticated strategies accessible.

🔮 Future with Gemini

Next Steps:

  1. Gemini Pro for Complex Analysis - Portfolio optimization, tax strategies
  2. Multimodal Features - Upload portfolio screenshots, analyze charts
  3. Gemini Function Calling - Direct integration with DeFi protocols
  4. Long Context Window - Analyze entire investment history

Vision: An AI investment advisor that's not just knowledgeable, but truly intelligent - understanding context, learning preferences, and providing genuinely personalized guidance.

🙏 Acknowledgments

Thank you to Google for Gemini - its speed, quality, and accessibility made this project possible. The free tier enabled rapid iteration and testing, and the API design made integration seamless.

Live Demo: https://goalwealth.streamlit.app/
Source Code: https://github.com/vancube2/GoalWealth
Built by: Evans Chibuike Nwaozuzu (Nigeria)

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