Prototype built for making investment overload decisions easier for users.
Master Prompt Used:
Build a minimal but functioning fintech prototype for early user testing called “INDMoney PathFinder + Playfolio”.
Context:
Retail investors face choice overload because platforms show too many asset classes, products, charts, returns, and jargon without helping users decide where to start. This prototype should help beginner and intermediate users make better first investment decisions through two core flows:
1. PathFinder — a guided allocation assistant.
2. Playfolio — a risk-free investment sandbox using dummy data.
Important:
This is NOT real investment advice. Use dummy data everywhere. Add visible disclaimers that all recommendations, returns, portfolios, and prices are illustrative.
Core product goal:
Reduce investment choice overload by guiding users from “I have money to invest” to “I understand my risk profile and have a simple starting allocation.”
Build the app as a polished responsive web prototype using:
- React + TypeScript
- Tailwind CSS
- shadcn/ui components if available
- Recharts for charts
- Local state/localStorage only
- No backend required
- Dummy data only
Visual style:
- Modern fintech app
- Clean, calm, trust-building interface
- White background with dark text and green/blue accents
- Mobile-first but also desktop responsive
- Use cards, progress indicators, simple charts, friendly copy
- Avoid clutter and excessive financial jargon
App structure:
Create a left sidebar or bottom navigation with:
1. Home
2. PathFinder
3. Playfolio
4. Learn
5. Feedback
HOME PAGE:
Create a landing/dashboard page with:
- Hero title: “Find your first investment direction”
- Subtitle: “A guided allocator and risk-free sandbox for beginner investors.”
- Two primary cards:
1. “Start PathFinder” — guided allocation journey
2. “Try Playfolio” — invest with virtual money
- Show 3 benefit cards:
- “No jargon”
- “Goal-based guidance”
- “Practice without real risk”
- Show a clear disclaimer: “This prototype uses dummy data and is not investment advice.”
PATHFINDER FLOW:
Build a multi-step guided questionnaire.
Step 1: Goal
Question: “What are you investing for?”
Options:
- Emergency savings
- Wealth building
- Child/family goal
- Tax saving
- Short-term purchase
- Learning/practice
Step 2: Time horizon
Question: “When do you need this money?”
Options:
- Less than 1 year
- 1–3 years
- 3–5 years
- 5+ years
Step 3: Amount
Question: “How much are you planning to invest?”
Options:
- ₹500–₹5,000
- ₹5,000–₹25,000
- ₹25,000–₹1,00,000
- ₹1,00,000+
Step 4: Experience
Question: “How familiar are you with investing?”
Options:
- First time
- Some experience
- Regular investor
Step 5: Risk comfort
Question: “If your investment temporarily falls by 10%, what would you do?”
Options:
- I would panic and withdraw
- I would wait but feel uncomfortable
- I would stay invested
- I may invest more
Step 6: Stability preference
Question: “What matters more to you?”
Options:
- Capital safety
- Balanced growth
- Higher long-term growth
- Learning through experimentation
After the questionnaire:
Calculate a dummy risk score from 0–100.
Risk scoring logic:
- Safer answers increase conservative score.
- Longer horizon, more experience, and higher risk comfort increase growth score.
- Show final risk profile:
- 0–35: Conservative
- 36–65: Balanced
- 66–100: Growth-oriented
Show a results page:
- Title: “Your suggested starting allocation”
- Risk profile badge
- Confidence-friendly explanation in simple language
- Portfolio allocation donut chart
- Allocation table
- Suggested next steps
Dummy allocation rules:
Conservative:
- Fixed Deposits / Liquid Funds: 45%
- Debt Mutual Funds: 30%
- Gold ETF: 15%
- Index Fund: 10%
Balanced:
- Index Fund: 40%
- Debt Mutual Funds: 25%
- Gold ETF: 15%
- Flexi-cap Mutual Fund: 15%
- Liquid Fund: 5%
Growth-oriented:
- Index Fund: 50%
- Flexi-cap Mutual Fund: 25%
- Mid-cap Fund: 10%
- Gold ETF: 10%
- Liquid Fund: 5%
Add interactive allocation editor:
- User can adjust sliders for each asset class.
- Total allocation must always equal 100%.
- If total is not 100%, show warning: “Your allocation must add up to 100%.”
- Show estimated dummy risk level and stability level as sliders/labels.
- Add button: “Send this to Playfolio”
- When clicked, transfer this allocation into the Playfolio sandbox.
PATHFINDER RESULT EXPLANATION:
For each recommended portfolio, explain:
- Why this allocation fits the user
- What the stable part does
- What the growth part does
- What the user should learn before investing real money
Add contextual nudges:
- If user chooses short horizon and high risk, show warning: “High-risk assets may not suit short-term goals.”
- If user is first-time investor, show note: “Start small. Learning matters more than maximizing returns.”
- If user picks emergency savings, suggest safer allocation.
PLAYFOLIO FLOW:
Build a virtual investing sandbox.
Starting state:
- User gets ₹1,00,000 virtual money.
- Show portfolio value, cash balance, invested amount, and dummy gain/loss.
- Use dummy instruments with fake but realistic-looking data.
Dummy instruments:
1. Nifty 50 Index Fund
Type: Equity Index
Risk: Medium
Price: ₹120
One-day movement: +0.8%
Description: “Diversified exposure to large Indian companies.”
2. Flexi-cap Mutual Fund
Type: Mutual Fund
Risk: Medium-High
Price: ₹85
One-day movement: -0.4%
Description: “Invests across large, mid, and small companies.”
3. Gold ETF
Type: Commodity
Risk: Medium
Price: ₹62
One-day movement: +0.3%
Description: “Can help diversify during uncertain periods.”
4. Liquid Fund
Type: Debt/Liquid
Risk: Low
Price: ₹105
One-day movement: +0.1%
Description: “Designed for stability and short-term parking.”
5. Debt Mutual Fund
Type: Debt
Risk: Low-Medium
Price: ₹98
One-day movement: +0.2%
Description: “Lower volatility than equity funds.”
6. Mid-cap Fund
Type: Equity
Risk: High
Price: ₹70
One-day movement: -1.2%
Description: “Higher growth potential but more volatile.”
Playfolio features:
- Browse instruments as cards
- Filter by risk: Low, Medium, High
- Filter by type: Equity, Debt, Gold, Liquid
- Buy with virtual money
- Sell holdings
- Quantity input
- Portfolio holdings table
- Portfolio allocation pie chart
- Portfolio performance line chart with generated dummy history
- Transaction history
- Button: “Simulate 1 month”
- Button: “Simulate market shock”
- Button: “Reset sandbox”
Simulation logic:
- “Simulate 1 month” randomly changes each asset price using simple dummy volatility:
- Low risk: between -1% and +1.5%
- Medium risk: between -3% and +4%
- High risk: between -6% and +8%
- “Market shock” applies:
- Equity funds: -8% to -15%
- Debt funds: -1% to -3%
- Gold ETF: +2% to +6%
- Liquid fund: roughly flat
- Update portfolio value and gain/loss after simulation.
Playfolio insights:
After every buy/sell/simulation, show a simple insight panel:
- If portfolio is >70% equity: “Your portfolio is growth-heavy. This may create higher ups and downs.”
- If portfolio has 0% liquid/debt: “You may want some stable allocation for balance.”
- If user holds 3+ asset types: “You are practicing diversification.”
- If user loses money after shock: “This is why risk tolerance matters before investing real money.”
- If cash is >80%: “You are mostly in cash. Try allocating small amounts to learn.”
LEARN PAGE:
Create a simple learning section with beginner-friendly cards:
- “What is an asset class?”
- “What is diversification?”
- “What is risk tolerance?”
- “What is an index fund?”
- “Why does time horizon matter?”
- “What is the difference between investing and trading?”
Each card should open a short explanation in plain English with an example.
FEEDBACK PAGE:
Create an early-user feedback form:
Fields:
- Which flow did you try? PathFinder / Playfolio / Both
- How confident did you feel before using this? 1–5
- How confident do you feel after using this? 1–5
- What confused you?
- What felt useful?
- Would you use this before making a real investment decision? Yes/No/Maybe
- Free-text feedback
On submit:
- Save feedback to localStorage
- Show thank-you message
- Show a simple feedback summary table below for testing purposes
USER TESTING REQUIREMENTS:
Make the prototype suitable for early user testing. Add:
- Clear CTAs
- Minimal friction
- Tooltips for financial terms
- Progress bar in PathFinder
- Visible dummy-data disclaimer
- Empty states
- Error messages
- Responsive mobile design
- Reset demo button
IMPORTANT DISCLAIMERS:
Show these in footer and relevant pages:
- “This is a learning prototype.”
- “No real money is used.”
- “All data is dummy/illustrative.”
- “This is not investment advice.”
Expected output:
A functioning prototype where users can:
1. Complete PathFinder questionnaire
2. Receive a dummy risk profile
3. See a suggested allocation
4. Adjust allocation
5. Send allocation to Playfolio
6. Buy/sell dummy assets using virtual money
7. Simulate portfolio performance
8. Receive simple insights
9. Submit feedback
Make it polished enough for a product portfolio demo and early user feedback session.
Additional Changes:
I wanted to make additional changes to the prototyped wireframes. These worked successfully without changing the application much.
Remove the name 'INDMoney' from the app. Replace it with GrowFi. DO NOT make any other changes to the application.
Change the logo next to GrowFi. Right now it is showing IM. Maybe include a stock market picture. (A rising chart in green color)