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A Portfolio is a managed collection of holdings governed by an Investment Policy Statement (IPS). Bluum handles portfolio construction, rebalancing, recurring investments, and dividend reinvestment.

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Investment Policy Statement (IPS)

The IPS defines the rules that govern the portfolio:
  • Risk profile — Risk tolerance, optional risk score, volatility tolerance
  • Time horizon — Investment duration in years, optional category
  • Investment objectives — Primary and secondary goals, target annual return
  • Target allocation — Target percentages with min/max bands per asset class
  • Constraints — Liquidity requirements, tax considerations, rebalancing policy

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Creating an IPS

curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/investment-policy" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "risk_profile": {
      "risk_tolerance": "moderate",
      "risk_score": 5,
      "volatility_tolerance": "medium"
    },
    "time_horizon": {
      "years": 20,
      "category": "long_term"
    },
    "investment_objectives": {
      "primary": "capital_appreciation",
      "secondary": ["income_generation"],
      "target_annual_return": "7.00"
    },
    "target_allocation": {
      "equities": { "target_percent": "50.00", "min_percent": "40.00", "max_percent": "60.00" },
      "fixed_income": { "target_percent": "25.00", "min_percent": "20.00", "max_percent": "30.00" },
      "alternatives": { "target_percent": "5.00", "min_percent": "0.00", "max_percent": "10.00" }
    },
    "constraints": {
      "liquidity_requirements": { "minimum_cash_percent": "5.00", "emergency_fund_months": 6 },
      "tax_considerations": { "tax_loss_harvesting": true, "tax_bracket": "24", "prefer_tax_advantaged": true },
      "rebalancing_policy": { "frequency": "quarterly", "threshold_percent": "5.00", "tax_aware": true }
    }
  }'

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Validating an IPS

Check that the IPS is internally consistent before creating a portfolio: 
curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/investment-policy/validate" \
  -H "Authorization: Basic $AUTH"

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Creating a portfolio

curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/portfolios" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Growth Portfolio",
    "initial_investment": "10000.00"
  }'

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Portfolio data

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Summary

High-level portfolio metrics: 
curl -X GET "$BASE_URL/wealth/accounts/$ACCOUNT_ID/portfolios/$PORTFOLIO_ID/summary" \
  -H "Authorization: Basic $AUTH"

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Holdings

Individual positions within the portfolio: 
curl -X GET "$BASE_URL/wealth/accounts/$ACCOUNT_ID/portfolios/$PORTFOLIO_ID/holdings" \
  -H "Authorization: Basic $AUTH"

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Performance

Returns, benchmarks, and time-weighted performance: 
curl -X GET "$BASE_URL/wealth/accounts/$ACCOUNT_ID/portfolios/$PORTFOLIO_ID/performance" \
  -H "Authorization: Basic $AUTH"

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Rebalancing

When asset allocations drift beyond the IPS threshold, rebalancing brings them back to target.

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Check rebalancing status

curl -X GET "$BASE_URL/wealth/accounts/$ACCOUNT_ID/portfolios/$PORTFOLIO_ID/rebalancing" \
  -H "Authorization: Basic $AUTH"

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Trigger rebalancing

curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/portfolios/$PORTFOLIO_ID/rebalancing" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{ "reason": "quarterly_review" }'

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Auto-invest

Set up recurring investments into a portfolio: 
curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/auto-invest" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "portfolio_id": "'"$PORTFOLIO_ID"'",
    "amount": "2000.00",
    "frequency": "monthly",
    "day_of_month": 1,
    "funding_source": "wallet"
  }'

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Managing schedules

# List schedules
curl -X GET "$BASE_URL/wealth/accounts/$ACCOUNT_ID/auto-invest" \
  -H "Authorization: Basic $AUTH"

# Pause a schedule
curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/auto-invest/$SCHEDULE_ID/pause" \
  -H "Authorization: Basic $AUTH"

# Resume a schedule
curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/auto-invest/$SCHEDULE_ID/resume" \
  -H "Authorization: Basic $AUTH"

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DRIP (Dividend Reinvestment)

Automatically reinvest dividends back into the portfolio: 
curl -X PUT "$BASE_URL/wealth/accounts/$ACCOUNT_ID/portfolios/$PORTFOLIO_ID/drip" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{ "enabled": true }'

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Key endpoints

MethodPathDescription
POST/wealth/accounts/{id}/investment-policyCreate IPS
GET/wealth/accounts/{id}/investment-policyGet IPS
POST/wealth/accounts/{id}/investment-policy/validateValidate IPS
POST/wealth/accounts/{id}/portfoliosCreate a portfolio
GET/wealth/accounts/{id}/portfolios/{pid}/summaryPortfolio summary
GET/wealth/accounts/{id}/portfolios/{pid}/holdingsPortfolio holdings
GET/wealth/accounts/{id}/portfolios/{pid}/performancePortfolio performance
GET/wealth/accounts/{id}/portfolios/{pid}/rebalancingRebalancing analysis
POST/wealth/accounts/{id}/portfolios/{pid}/rebalancingTrigger rebalance
POST/wealth/accounts/{id}/auto-investCreate auto-invest schedule
PUT/wealth/accounts/{id}/portfolios/{pid}/dripConfigure DRIP