Detailed explanation of RetireDeFi:

1. User Onboarding:
• Users create an account and complete a comprehensive questionnaire about their financial situation, risk tolerance, and retirement goals.
• They provide information such as current age, desired retirement age, current savings, monthly contribution capacity, and risk preference.

2. AI Risk Assessment and Goal Setting:
• The platform's AI analyzes the user's inputs to determine their risk profile and set appropriate retirement savings targets.
• It calculates the required rate of return to meet the user's retirement goals.

3. DeFi Strategy Creation:
• Based on the risk assessment and required return, the AI creates a personalized DeFi investment strategy.
• This strategy might include a mix of: a) Lending on various DeFi platforms b) Providing liquidity to decentralized exchanges c) Staking in proof-of-stake networks d) Yield farming in selected protocols e) Exposure to tokenized real-world assets

4. Smart Contract Deployment:
• A personalized smart contract is deployed for each user, which will manage their funds according to the AI-generated strategy.

5. Funds Allocation:
• Users deposit funds into their personal RetireDeFi smart contract.
• The contract automatically distributes these funds across various DeFi protocols according to the determined strategy.

6. Dynamic Rebalancing:
• The AI continuously monitors market conditions and the performance of different DeFi protocols.
• It periodically adjusts the allocation to maintain the optimal risk-return profile.
• The smart contract executes these rebalancing operations automatically.

7. Performance Tracking and Reporting:
• Users can monitor their portfolio's performance in real-time through a dashboard.
• The platform provides regular reports and projections towards retirement goals.

8. Withdrawal and Retirement:
• Users can set up automatic withdrawals once they reach retirement age.
• The smart contract gradually shifts to more conservative allocations as the user approaches retirement age.

// SPDX-License-Identifier: MIT
pragma solidity ^0.8.0;

import "@openzeppelin/contracts/token/ERC20/IERC20.sol";
import "@openzeppelin/contracts/access/Ownable.sol";
import "@chainlink/contracts/src/v0.8/interfaces/AggregatorV3Interface.sol";

contract RetireDeFi is Ownable {
    struct UserProfile {
        uint256 riskTolerance; // 1-10, where 10 is highest risk
        uint256 retirementAge;
        uint256 currentAge;
        uint256 monthlyContribution;
        mapping(address => uint256) assetAllocations; // token address => percentage allocation
    }

    mapping(address => UserProfile) public userProfiles;
    mapping(address => uint256) public userBalances;

    address[] public supportedAssets;
    mapping(address => AggregatorV3Interface) public priceFeeds;

    event Deposit(address indexed user, uint256 amount);
    event Withdraw(address indexed user, uint256 amount);
    event Rebalance(address indexed user);

    constructor() {
        // Initialize supported assets and their price feeds
        supportedAssets.push(address(0)); // ETH
        priceFeeds[address(0)] = AggregatorV3Interface(0x5f4eC3Df9cbd43714FE2740f5E3616155c5b8419); // ETH/USD feed

        // Add more assets and their respective price feeds here
    }

    function createProfile(uint256 _riskTolerance, uint256 _retirementAge, uint256 _currentAge, uint256 _monthlyContribution) external {
        UserProfile storage profile = userProfiles[msg.sender];
        profile.riskTolerance = _riskTolerance;
        profile.retirementAge = _retirementAge;
        profile.currentAge = _currentAge;
        profile.monthlyContribution = _monthlyContribution;

        // In a real implementation, this would trigger the AI to determine asset allocations
        // For this example, we'll set a simple allocation
        profile.assetAllocations[address(0)] = 100; // 100% ETH allocation
    }

    function deposit() external payable {
        require(msg.value > 0, "Must deposit some ETH");
        userBalances[msg.sender] += msg.value;
        emit Deposit(msg.sender, msg.value);

        // In a real implementation, this would trigger rebalancing
        rebalance();
    }

    function withdraw(uint256 _amount) external {
        require(userBalances[msg.sender] >= _amount, "Insufficient balance");
        userBalances[msg.sender] -= _amount;
        payable(msg.sender).transfer(_amount);
        emit Withdraw(msg.sender, _amount);

        // In a real implementation, this would trigger rebalancing
        rebalance();
    }

    function rebalance() public {
        UserProfile storage profile = userProfiles[msg.sender];

        // In a real implementation, this function would:
        // 1. Check current allocations
        // 2. Compare with target allocations
        // 3. Execute trades on DeFi protocols to rebalance

        // For this example, we'll just emit an event
        emit Rebalance(msg.sender);
    }

    function getCurrentAllocation(address _user) external view returns (address[] memory, uint256[] memory) {
        UserProfile storage profile = userProfiles[_user];
        uint256[] memory allocations = new uint256[](supportedAssets.length);

        for (uint i = 0; i < supportedAssets.length; i++) {
            allocations[i] = profile.assetAllocations[supportedAssets[i]];
        }

        return (supportedAssets, allocations);
    }

    function getLatestPrice(address _asset) public view returns (int) {
        require(address(priceFeeds[_asset]) != address(0), "Price feed not found");
        (
            uint80 roundID,
            int price,
            uint startedAt,
            uint timeStamp,
            uint80 answeredInRound
        ) = priceFeeds[_asset].latestRoundData();
        return price;
    }

    // Additional functions would be needed for:
    // - Interacting with various DeFi protocols
    // - Updating user profiles based on AI recommendations
    // - Executing complex rebalancing strategies
    // - Generating performance reports
}

• Integration with multiple DeFi protocols for lending, liquidity provision, and yield farming

• Sophisticated AI model for determining and updating asset allocations

• More complex rebalancing logic that considers transaction costs and slippage

• Advanced risk management features

• Comprehensive reporting and projection capabilities

• Enhanced security measures and access controls