dc-pension-rules

DC pension compliance checks enforce a 70% risk assets cap, a 40% single-fund concentration limit, and lifecycle-based allocations across retirement portfolios. The process references fund classification data to determine risk asset status for each holding.

The single-fund concentration limit restricts any individual fund holding to a maximum of 40% of the retirement portfolio. The compliance check identifies holdings breaching this cap and includes them in a remediation plan.

Lifecycle allocation checks apply age-based lifecycle guidelines to retirement portfolios, ensuring fund allocations match the investor's life stage. This enforces compliance by verifying that risk exposure adjusts appropriately as participants approach retirement.

Yes, risk-asset classification is automated by referencing fund_classification.json to determine the risk status of each holding. This enables automated enforcement of the 70% risk assets cap across the entire retirement portfolio.

Yes, a fund classification file such as fund_classification.json is required to run DC pension compliance checks. This file provides the risk-asset determination data needed to enforce portfolio concentration caps and lifecycle allocations.