NO AUM FEES
Flat $4.99, once. Never a percentage of your assets — the engine has no incentive to keep you invested in anything.
UNBIASED ALGORITHMIC ENGINE
Rate My Portfolio Free.
Your X-Ray in 60 seconds.
Wall Street wants you blind. We hand you the X-ray. Paste your stocks, ETFs, or crypto and the unbiased algorithmic engine surfaces hidden fee drag, dangerous overlaps, and concentration risk your advisor never prints.
NO SIGNUPNO BROKER LOGINRESULTS IN ~30S
Never stored · No account · Auto-deleted in 24h
WHY TRUST THE ENGINE
REAL DATA, NOT VIBES
Expense-ratio database, SEC-grade diversification principles, S&P SPIVA fund-performance data — cited, not invented.
YOUR DATA STAYS YOURS
No broker login, no account. Paste holdings or drop a screenshot; the analysis is deleted from our servers after 24 hours.
Why Rate Your Portfolio?
Portfolios fail silently — concentration creeps in, fees compound, and correlated holdings crash together. A rating surfaces those failure modes before they cost you. Most investors never get that objective feedback; they rely on gut feelings or investment advice from friends who may have different goals and risk tolerance, and the hidden problems compound for years.
A portfolio rating evaluates whether your holdings align with your investment goals. Are you over-concentrated in one sector? Paying excessive fees on mutual funds? Holding correlated assets that will crash together?
Important: past performance is no guarantee of future results. A rating helps you understand your current risk exposure — not predict returns. Use it as an analytical tool, then consult a licensed advisor for personalized guidance.
WHAT THE ENGINE CHECKS
What Do We Rate?
Concentration Risk
> 10-15% IN ONE NAME
We flag positions exceeding 10-15% of your portfolio. Concentrated holdings amplify downside risk — Enron employees lost everything; Meta holders were down 70% in 2022. The SEC's investor education on diversification (investor.gov) is the canonical primer. Position sizing should follow your goals, not emotional attachment to winners.
Hidden Fees
1.5% FEE = $65K OVER 30YR
Expense ratios above 0.5% compound into wealth killers — a 1.5% fee on $100K costs roughly $65,000 over 30 years. The S&P SPIVA Scorecard shows high-fee active funds underperform their benchmarks over almost every multi-year horizon. We calculate your exact fee drag and show lower-cost alternatives.
Fake Diversification
SPY ≈ VOO ≈ 5 TECH NAMES
Holding five tech stocks isn't diversification — it's correlation wearing a disguise. We detect echo-chamber portfolios: holdings that look different on paper but crash together under market stress.
Behavioral Patterns
SEVERITY SCORED 1-10
Performance chasing, FOMO entries, anchoring to your purchase price — the analysis surfaces the psychological biases hiding in how the portfolio was built, each with a severity score.
How Does Portfolio Rating Work?
Paste your holdings; the engine runs four checks — concentration, fees, correlation, and behavior — and returns a score in 60 seconds. Here's why that beats manual review and paying an advisor for the same task.
| METHOD | SPEED | COST | BIAS | ACCURACY |
|---|---|---|---|---|
| Manual Review (DIY) | Hours to days | Free | High (emotional) | Depends on knowledge |
| This Engine | 60 seconds | Free read | None (data-driven) | Five-point methodology |
| Financial Advisor | Days to weeks | $200-500+/hr or % AUM | Medium (sales incentives) | Varies by advisor |
Analysis backed by our five-point methodology, real fee data, and proven financial principles — no sales pitch, no commission bias.
// FULL REPORT
Your analysis is free. The full findings + Action Plan cost $4.99 — once.
No subscription, no upsell, no percentage of your assets. Pay once and the full report unlocks instantly — it’s already written, so there’s nothing left to wait for.
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RATE MY PORTFOLIO — FREE →Common Questions About Portfolio Rating
Can you rate this portfolio for me?
Yes. Paste your holdings into the free tool and you'll get a rating in about 60 seconds — diversification, concentration risk, hidden fees, correlation, and behavioral patterns. The first sections are free; the full report including the Action Plan is a flat $4.99, one-time payment.
How long does the portfolio rating take?
About 60 seconds. Paste tickers and quantities, get instant analysis. No signup, no credit card, no waiting for an advisor callback. The engine runs a five-point analysis — concentration risk, hidden fees, fake diversification, and behavioral patterns — plus an Action Plan in the full report.
Will you rate my stock and ETF portfolio?
Yes — stocks, ETFs, mutual funds, and crypto. Paste your holdings as 'TICKER QUANTITY' (e.g., 'AAPL 150 shares, VTI 500 shares, BTC 0.5'). The tool reads the assets, identifies risks like over-concentration in tech or correlation between holdings, and shows the fee drag on your returns.
How do I rate my own investment portfolio?
Paste your holdings (tickers and quantities) into the free tool. In 60 seconds, you get a rating across diversification, concentration risk, fees, and correlation — with specific strengths and weaknesses highlighted.
What makes a good portfolio rating?
Proper diversification across asset classes, low concentration (no holding >10-15%), minimal fees (expense ratios <0.5%), and low correlation between holdings. The rating examines all these factors with a comprehensive score.
Is rating my portfolio really free?
Yes. You see the first sections immediately at no cost. The full report with behavioral analysis and recommendations is a flat $4.99, one-time payment.
How accurate is AI portfolio rating?
The analysis uses proven financial principles and real market data to identify concentration risks, correlation patterns, and fee structures. It provides educational analysis — for personalized advice, consult a licensed financial advisor.
What should I do after rating my portfolio?
Review the identified weaknesses. Common next steps: reduce concentration by diversifying, swap high-fee funds for low-cost alternatives, eliminate correlated holdings, and address behavioral biases. For specific recommendations, consult a licensed advisor.
Can I rate one investment instead of my whole portfolio?
Yes. Paste a single ticker or your full mix of stocks, ETFs, and crypto — the tool rates whatever you give it for concentration risk, hidden fees, and diversification gaps in about 60 seconds.