Agentic Wealth Platform · Multi-LLM + AI Skills × RWA
US Headquarters · Co-led by US Institutions & Singapore Sovereign Funds
PG-AI is a US-headquartered, AI-native private wealth platform co-led by Goldman Sachs, BlackRock, Temasek Holdings, and GIC. It orchestrates multiple frontier large language models with specialist AI skills to autonomously manage portfolios of real-world assets — custodied by five Tier-1 banks and regulated under both SEC and MAS jurisdictions.
PG-AI 总部位于美国，由高盛、贝莱德、淡马锡、GIC 联合牵头。平台编排多个顶级大语言模型与专业 AI Skill，自主管理由五大一级银行托管、SEC 与 MAS 双辖区监管的真实资产组合。
Core promise: Intelligent. Stable. Secure. — Four minds think. Eight skills act. Eleven giants guard.
智能 · 稳定 · 安全 —— 四个大脑思考，八项技能执行，十一大巨头守护。
A human team of 5–8 specialists works business hours, five days a week. Wealth sleeps 48 hours every weekend, gated by geography, audited once a year. This rigidity costs HNW individuals 100–300 bps annually in missed opportunities and timing drag.
一支 5–8 人团队在工作日办公。财富每周末休眠 48 小时。这种僵化每年让高净值个人损失 100–300 个基点。
PG-AI replaces the human team with an AI-native stack: multiple frontier LLMs provide the reasoning layer; specialist AI skills provide the execution layer. LLMs never trade directly — they reason about market state, user intent, and risk policy, then dispatch bounded skills to act. The result: 24/7/365 operation, sub-second response, zero emotional bias.
PG-AI 用 AI 原生栈替代人类团队。多个顶级大模型提供推理层，专业 Skill 提供执行层。LLM 不直接交易——它推理后分派 Skill。结果：全天候运行，亚秒级响应，零情绪偏差。
No single LLM is best at everything. GPT-4o excels at macro synthesis. Claude Opus leads in financial reasoning. Gemini Ultra brings multimodal capability. Llama 4 offers low-latency inference. PG-AI's routing layer selects the best model per task in real time. Skills stay the same; intelligence improves every quarter.
没有单一 LLM 在所有任务上最优。路由层为每项任务实时选择最佳模型。Skill 不变，底层智能每季度进化。
The United States provides the deepest capital markets, the most liquid asset pools, and the most sophisticated institutional investor base. Singapore provides the world's most trusted regulatory framework for cross-border asset management and two sovereign wealth vehicles (Temasek, GIC) with $800B+ in combined assets. PG-AI bridges both — US-headquartered, Singapore-guaranteed, globally distributed.
美国提供最深资本市场和最成熟机构投资者。新加坡提供全球最受信任的跨境资管监管框架和两大主权基金（$800B+ 合计）。PG-AI 桥接两者——美国总部，新加坡保障，全球分销。
A model-agnostic router evaluates every task against a performance matrix updated weekly: task type, latency, context demand, cost, and accuracy.
| LLM | Strength | Assigned Tasks |
|---|---|---|
| GPT-4o | Broad macro synthesis | Market Intel, Portfolio Construction |
| Claude Opus | Step-by-step financial reasoning | Compliance, Tax, Explainability |
| Gemini Ultra | Native multimodal | Event Watch, Earnings Analysis |
| Llama 4 | Low-latency inference | Risk Guardrails, Real-time Monitoring |
Each LLM operates in its own sandbox. Inter-model communication is mediated by the router, which strips sensitive data. User PII is never transmitted — only anonymized task parameters.
Weekly evaluation suite. New model versions enter shadow-mode: processing real tasks in parallel without affecting live portfolios. If a new version outperforms, it auto-replaces the incumbent.
Multi-LLM core at center. 8+ specialist skills orbit it — each bounded, auditable, policy-governed with formal spec, permission set, and audit trail.
多 LLM 核心居中，8+ 专业 Skill 环绕——每项都有边界、可审计、受治理。
Macro data, earnings, yield curves, news → live regime signal.
Drawdown cap, VaR, concentration rules enforced before any order.
Jurisdictional eligibility, suitability, Travel Rule — pre-checked.
Tax-efficient lots, wash-sale avoidance, residency-aware routing.
Mandate-bounded drift correction. TWAP/VWAP execution.
3-second signed holdings from 5 custodian banks via read-only API.
Earnings, central banks, geopolitical → defensive mode escalation.
Target allocation across defensive (Treasuries, gold) and offensive (equities, infra) engines.
New skills: spec review → sandbox → shadow-mode → committee approval. Deprecation: orchestrator re-routes automatically. Portfolio never disrupted.
Defensive engine provides yield floor. Offensive engine captures growth when signal permits.
| Engine | Asset Classes | Objective |
|---|---|---|
| Defensive | US Treasuries, IG credit, allocated gold | Stable yield floor across cycles |
| Offensive | Growth equities, private credit (Apollo), AI-infra RWA | Alpha on high-confidence signals |
Liquidity (48h exit) → Custodial eligibility (≥2 of 5 banks) → Compliance clearance → Risk budget (VaR envelope). Every asset must pass all four.
Co-led by US institutions (Goldman Sachs, BlackRock) and Singapore sovereign funds (Temasek, GIC). Eleven global Tier-1 partners form PG-AI's operational backbone.
United States (Primary): SEC Registered Investment Adviser. Delaware holding entity. Goldman Sachs and BlackRock as co-leads. FINRA compliance. SOC 2 Type II audit.
Singapore (APAC): MAS Capital Markets Services license. Signed protection agreement. Asset segregation, daily reporting, immediate freeze authority, full recoverability.
美国（主辖区）：SEC 注册投资顾问，特拉华控股。新加坡（亚太）：MAS CMS 牌照，签署保障协议。
| Jurisdiction | Authority | License | Status |
|---|---|---|---|
| United States | SEC | Registered Investment Adviser | Registered |
| Singapore | MAS | Capital Markets Services (CMS) | Licensed |
| European Union | AIFMD | Alternative Investment Fund Manager | Authorised |
| UAE | ADGM FSRA | Asset Management | Licensed |
| Hong Kong | SFC | Type 9 Asset Management | Filed |
| Custodian | Role | Jurisdiction |
|---|---|---|
| JPMorgan | Prime custody, settlement | US / Singapore |
| Goldman Sachs | Prime brokerage, capital markets | US / UK |
| UBS | Wealth infrastructure, cross-border | Switzerland / SG |
| BNY Mellon | Asset servicing, attestation API | US / UK |
| DBS Bank | Operational accounts, MAS-native | Singapore |
Any transfer above mandate threshold requires: custodian bank + PG-AI LLM orchestrator + independent human compliance officer. Compliance officer retains unilateral veto.
Zero management fee. 20% performance fee only above the investor's historical high-water mark. If AI doesn't make you money, we earn nothing.
| Fee | PG-AI | Private Bank | Hedge Fund |
|---|---|---|---|
| Management | 0% | 0.75–1.50% | 1.50–2.00% |
| Performance | 20% above HWM | Rare / 10% | 20% above HWM |
| Entry / Exit | 0% | 0–3% | Lock-up |
零管理费。20% 绩效费仅对超越历史高水位的净新收益计提。如果 AI 没帮你赚钱，我们一分钱不收。
8 core skills, 4 LLMs, SEC + MAS compliance. First institutional mandates. Five-bank custody live. Goldman Sachs + BlackRock + Temasek + GIC co-launch.
ESG screening, alt-data ingestion, derivatives overlay, client reporting. Apollo private credit pipeline activated.
EU via AIFMD. BlackRock ETF distribution integration. Deutsche Bank European custody.
SFC Type 9 activation. Greater China distribution. GIC infra co-investment program.
Third-party skill marketplace. Temasek governance advisory. Global AUM target: $10B+.
This whitepaper is for informational purposes only and does not constitute investment advice. AI-driven management carries risks including model error, data latency, infrastructure failure, regulatory change, and market risk. All investments involve risk of loss. Consult your own advisers.
本白皮书仅供信息参考，不构成投资建议。AI 管理存在模型误差、数据延迟、基础设施故障、监管变化和市场风险。所有投资均存在损失风险。请咨询您的顾问。