High gold concentration — diversification suggested
Based on hypothetical inputs (age 36, income 45M Tomans/month, total assets 820M Tomans), about 52% of total wealth is in gold. With a balanced risk profile, raising liquid deposits and more diversified holdings could improve liquidity risk.
Target: reduce concentration from 52% to ~35% — without a one-off sale; pause monthly gold buys first.
At least 6 months of expenses (~180M Tomans) in a separate short-term deposit.
Start with 5% of total wealth in diversified funds — 3 monthly installments instead of one lump sum.
Overall financial health is reasonable; diversity and liquidity can improve.
Your real report is personalized from your own form data.