Investment Portfolio Reviewer

Basic portfolio health check with asset allocation review, diversification score, and rebalancing suggestions. Accepts holdings from brokerage exports or manual entry, analyzes against target allocations, and identifies concentration risks. This is an educational analysis tool — not financial advice. It helps you prepare informed questions for your financial advisor or validate your own research.

Supported Platforms & Integrations

Platform	Integration Type	Features
Vanguard	CSV export import	Fund overlap detection, expense ratio analysis
Fidelity	CSV export import	Position analysis, sector concentration review
Charles Schwab	CSV export import	Holdings breakdown, tax lot awareness
Interactive Brokers	CSV/Flex export import	Multi-currency support, international diversification
Robinhood	CSV export import	Individual stock concentration warnings
Google Sheets / Excel	Manual entry template	Custom portfolio input with flexible formatting

When to Use

• Annual portfolio review: Run once a year to check if your allocation has drifted from targets due to market movements
• After major market moves: Check concentration after significant sector rallies or crashes that may have skewed your allocation
• Before rebalancing: Get specific buy/sell amounts needed to return to your target allocation
• New investment evaluation: See how adding a new position would affect your overall diversification score
• Retirement milestone check: Validate that your allocation matches your age-appropriate risk level
• Tax-loss harvesting review: Identify positions with losses that could offset gains while maintaining allocation

Alternatives to Consider

• Morningstar Portfolio X-Ray: If you want professional-grade overlap analysis with Morningstar's proprietary data
• Personal Capital (Empower): If you want continuous automated portfolio tracking with retirement planning
• Fee-only financial advisor: If your portfolio exceeds $250K or involves complex tax situations

Quick Start

Copy
skill: investment-portfolio-reviewer
config:
  target_allocation:
    us_stocks: 0.50
    international_stocks: 0.20
    bonds: 0.25
    cash: 0.05
  risk_profile: moderate  # conservative | moderate | aggressive
  age: 35
  retirement_age: 65
input:
  source: csv
  file: fidelity_positions.csv

Example Input:

Symbol, Shares, Current Price, Value
VTI, 150, 265.00, 39750.00
VXUS, 80, 58.50, 4680.00
BND, 100, 72.00, 7200.00
AAPL, 50, 195.00, 9750.00
GOOGL, 20, 175.00, 3500.00
Cash, -, -, 2120.00

Example Output:

PORTFOLIO HEALTH CHECK
================================
Total Value: $67,000.00

Asset Allocation (Current vs Target):
  US Stocks:      79.1% vs 50.0%  [+29.1% OVER]  ▓▓▓▓▓▓▓▓░░
  Intl Stocks:     7.0% vs 20.0%  [-13.0% UNDER] ▓▓░░░░░░░░
  Bonds:          10.7% vs 25.0%  [-14.3% UNDER] ▓▓▓░░░░░░░
  Cash:            3.2% vs  5.0%  [- 1.8% UNDER] ▓░░░░░░░░░

Diversification Score: 52/100 (Needs Improvement)

TOP CONCERNS:
1. Individual stock concentration: AAPL + GOOGL = 19.8%
   of portfolio (recommend <5% per individual stock)
2. US equity overweight by 29.1% — heavy domestic bias
3. Bond allocation critically low for moderate risk profile

REBALANCING ACTIONS:
  Sell: ~$12,400 of VTI or individual stocks
  Buy:  ~$8,720 of VXUS (international exposure)
  Buy:  ~$9,575 of BND (bond allocation)
  Add:  ~$1,230 to cash reserves

Expense Ratio Weighted Avg: 0.04%  (Excellent)
Estimated Annual Fees: $26.80

Advanced Configuration

Risk Profile Templates

Copy
# Conservative (near retirement / low risk)
conservative:
  us_stocks: 0.30
  international_stocks: 0.10
  bonds: 0.45
  reits: 0.05
  cash: 0.10

# Aggressive (young / high risk tolerance)
aggressive:
  us_stocks: 0.55
  international_stocks: 0.30
  bonds: 0.05
  growth_stocks: 0.05
  cash: 0.05

Parameters Reference

Parameter	Type	Default	Description
target_allocation	object	required	Target allocation percentages (must sum to 1.0)
risk_profile	string	moderate	conservative, moderate, aggressive
age	number	null	Your age for age-based allocation suggestions
retirement_age	number	65	Target retirement age for glide path analysis
rebalance_threshold	number	0.05	Minimum drift percentage before flagging (5%)
single_stock_max	number	0.05	Maximum weight for any individual stock
sector_max	number	0.25	Maximum weight for any single sector
expense_ratio_flag	number	0.50	Flag funds with expense ratio above this
tax_aware	bool	false	Consider tax implications in rebalance suggestions
include_overlap	bool	true	Analyze holdings overlap between funds
benchmark	string	SPY	Benchmark for comparison metrics
currency	string	USD	Portfolio currency

Core Concepts

Concept	Description
Asset Allocation	The split between stocks, bonds, cash, and alternatives — the primary driver of portfolio risk/return
Diversification Score	0-100 rating based on asset class spread, geographic diversity, sector balance, and single-position concentration
Drift	How far your current allocation has moved from your target due to market performance
Fund Overlap	When multiple ETFs/funds hold the same underlying stocks (e.g., VTI and VOO overlap significantly)
Rebalance Threshold	The drift percentage that triggers a rebalancing recommendation (typically 5%)

Analysis Pipeline:

  Portfolio CSV ──> Holdings ──> Classification ──> Scoring
                    Parser       Engine              Matrix
                      |              |                  |
                      v              v                  v
                 ┌─────────────────────────────────────────┐
                 │  Asset Class  │ Geography │  Sector     │
                 │  Breakdown    │ Mapping   │  Exposure   │
                 └────────────────────┬────────────────────┘
                                      |
                           ┌──────────┼──────────┐
                           v          v          v
                      Allocation   Overlap   Concentration
                      Drift        Analysis  Risk Flags
                      Report       Report    Report

Workflow Examples

Scenario 1: Annual Review for Moderate Investor

Input: Vanguard 3-fund portfolio (VTI/VXUS/BND) + individual stocks, target 60/20/20 Process: Parse positions, classify by asset class, calculate drift, identify single-stock risk Output: 8% US equity drift, 2 stocks above 5% threshold, specific dollar amounts to rebalance

Scenario 2: Pre-Retirement Allocation Check

Input: Fidelity 401k holdings, age 58, target retirement 62, moderate-conservative profile Process: Map target-date equivalent allocation, compare current holdings, assess bond ladder readiness Output: Recommend shift from 70/30 stock/bond to 45/45/10 stock/bond/cash over next 2 years

Scenario 3: New Investor Portfolio Setup Validation

Input: Proposed portfolio of 5 ETFs, $50,000, age 28, aggressive profile Process: Check overlap between proposed ETFs, validate sector exposure, compare expense ratios Output: Found 65% overlap between VTI and VOO (remove one), suggest adding VXUS for international, expense ratio optimal

Best Practices

1. Export complete holdings: Include cash, money market, and pending transactions for accurate total allocation calculations
2. Set realistic targets first: Use age-based rules (110 minus age = stock %) as a starting point, then adjust for your risk tolerance
3. Check fund overlap before buying: Two index funds tracking similar indexes create hidden concentration — always run overlap analysis
4. Rebalance with new contributions: Instead of selling (triggering taxes), direct new money to underweight asset classes
5. Review expense ratios annually: Even small differences compound — a 0.5% fee difference on $100K costs $50K+ over 30 years

Common Issues

Issue: CSV format not recognized from brokerage Cause: Each brokerage exports in slightly different formats with varying column headers Fix: Use the column mapping config to specify which columns contain symbol, shares, and value data. Alternatively, use the Google Sheets manual template for standardized input.

Issue: Diversification score seems too low despite many holdings Cause: Many holdings can still concentrate in one sector or geography — 10 US tech stocks is not diversified Fix: The score weights asset class diversity (40%), geographic spread (30%), and sector balance (30%). Review the detailed breakdown to identify where concentration exists.

Issue: Rebalance amounts don't account for taxes Cause: By default the tool suggests optimal allocation without tax impact Fix: Enable tax_aware: true to flag positions with large unrealized gains and suggest tax-efficient alternatives like rebalancing through new contributions or using tax-advantaged accounts.

Privacy & Data Handling

All portfolio analysis runs entirely on your local machine. No holdings data, account values, position sizes, or brokerage information is ever transmitted to external services. The tool does not connect to any brokerage API or require account credentials. Fund classification data is based on publicly available ETF/mutual fund prospectus information. Your portfolio composition is never stored between sessions — every analysis is stateless and ephemeral. This tool provides educational analysis only and does not constitute financial advice.