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Sample data — a typical DIY allocation. The figures are fixed and illustrative.

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Sample portfolio

Portfolio value

$25,000

Positions
10
Cash
7.0%
Grade
C-

Technology is 42.6% of this portfolio

This much of the money moves on one industry's news.

Largest position
VOO · 25.0%
Top three together
56.0%
  • Technology42.6%
  • Consumer Discretionary18.7%
  • Broad market17.5%
  • Financials5.4%
  • Crypto5.0%
  • Communication Services3.8%

“Broad market” is the part of the index funds we do not break down further. It is not an industry and it is not a risk.

TSLA is 1.1× what it looks like

16.0% directly, 16.9% once VOO and QQQ are counted.

InstrumentHeld directlyIncluding fundsThrough
TSLA16.0%16.9%VOO, QQQ
NVDA11.0%14.3%VOO, QQQ
AAPL6.0%8.8%VOO, QQQ
MSFT0.0%3.0%VOO, QQQ
AMZN0.0%1.8%VOO, QQQ

Fund holdings are approximate and dated.

100.0% of this wealth trades in USD

0.0% international equity sits underneath it. Income and assets should not share every risk.

  • USD100.0%

A 10% fall in US technology

46.6% of this portfolio moves with US technology.

$1,165

off the portfolio value · -4.7%

Grade C-

Starting at 100, one deduction per rule that fired.

62 out of 100

  • 10TSLA is 16.0% of your portfolio
  • 10Technology is 42.6% of portfolio
  • 10Effective NVDA exposure is 14.3% after ETF look-through
  • 8USD is your trading currency for 100.0% of the portfolio, with only 0.0% international equity underneath

In a few sentences

This is a C- portfolio: okay on size, but the risk is still too concentrated.

TSLA is 16.0% of the portfolio, and Technology is 42.6%, so one stock and one sector dominate.

Effective NVDA exposure is 14.3% after VOO and QQQ look-through, and USD is 100.0% with 0.0% international equity.

You did keep 7% cash, and VOO at 25% adds some index exposure.

The most useful next thing to check is how much of your total risk still sits in TSLA, NVDA, and Technology at 42.6%.

Share the picture

A single image with the grade and the two facts behind it.

C-
portfolio grade
62 out of 100
Technology is 42.6% of the portfolio · TSLA 16.9% once funds are counted
a 10% US-tech fall ≈ $1,165
thaler.money
Analytics, not investment advice

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