Portfolio CritiqueGet Expert Analysis of Your Investments
What is a portfolio critique?
A portfolio critique is a comprehensive review that identifies weaknesses, risks, and opportunities in your investment holdings. Get your free critique in 60 seconds.
What Makes a Good Portfolio Critique?
✓ Specific & Quantitative
Good: "Your AAPL position is 40% of your portfolio. Financial advisors recommend maximum 10-15% in any single stock. Reduce by selling $30K worth."
Bad: "You have too much Apple stock. Consider diversifying."
✓ Unbiased Analysis
Good: Automated tools or fee-only advisors with no sales agenda. They identify problems based on data, not commission incentives.
Bad: Commission-based advisor recommending expensive actively managed funds they profit from.
✓ Actionable Insights
Good: "Swap your 1.2% expense ratio fund for VOO (0.03%). This saves you $240,000 over 30 years on a $100K investment."
Bad: "Your fees are high. You should look into lower-cost options."
✓ Educational
Good: Explains WHY concentration risk matters using real examples like Enron employees losing everything in 2001.
Bad: Lists problems without context or explanation of why they matter.
DIY Portfolio Critique Checklist
Step 1 of 5: Check Concentration Risk
Calculate each position as a percentage of your total portfolio. Flag any single stock exceeding 10-15%.
Example: If you have $100K total and $40K in TSLA, that's 40% concentration - dangerous.
Step 2 of 5: Review Expense Ratios
Look up the expense ratio for each fund/ETF. Anything above 0.50% should be scrutinized.
Example: Good: VOO (0.03%), VTI (0.03%). Bad: Actively managed funds at 1.0-1.5%.
Step 3 of 5: Assess True Diversification
List each holding's sector. Do you have exposure across tech, healthcare, finance, energy, consumer goods?
Example: Red flag: 5 tech stocks (AAPL, MSFT, GOOGL, META, NVDA) = fake diversification.
Step 4 of 5: Analyze Asset Allocation
What percentage is in stocks vs bonds vs cash? A common rule: stocks % = 100 minus your age.
Example: Age 30: 70% stocks, 30% bonds. Age 60: 40% stocks, 60% bonds.
Step 5 of 5: Review Behavioral Patterns
Be honest: did you buy during market peaks? Are you chasing last year's winners?
Example: FOMO red flags: Bought ARK Innovation at $150 (now $40), bought crypto at all-time highs.
When to Get Professional Help
Use Free Critique For:
- ✓Quick diagnostics of structural issues (concentration, fees, correlation)
- ✓Portfolios under $500K with straightforward holdings
- ✓Instant unbiased analysis without sales pressure
- ✓Regular check-ins to monitor portfolio health
Hire Licensed Advisor For:
- →Major life changes (marriage, divorce, inheritance, retirement)
- →Portfolios over $500K requiring tax optimization strategies
- →Complex situations (business ownership, real estate, estate planning)
- →Need for accountability and behavioral coaching during volatility
Portfolio Critique vs Review vs Analysis
| Type | What It Includes | Best For |
|---|---|---|
| Portfolio Review | Lists current holdings, shows allocation pie chart, tracks performance | Quick overview, monitoring changes |
| Portfolio Critique | Identifies specific problems (concentration, fees, correlation) with actionable recommendations | Finding and fixing structural issues |
| Portfolio Analysis | Deep dive into every metric: risk-adjusted returns, Sharpe ratio, beta, standard deviation | Advanced investors, institutional portfolios |
Most investors need a critique - not just a review or complex analysis.
Ready for Your Portfolio Critique?
No signup. No credit card. Just paste your holdings and get brutally honest feedback in 60 seconds.
This is educational analysis, not financial advice. Consult a licensed advisor for personalized recommendations.