Overview
01
Overview
Portfolio facts at a glance: total value, holding count, account structure, and asset class allocation with doughnut chart. The foundation every other section builds on.
02
Asset Allocation
Breakdown by asset class with portfolio vs benchmark comparison. Color-coded assessments flag overweight, underweight, and within-range positions.
03
Geographic & Currency
Regional exposure map and currency risk analysis. Surfaces unhedged FX positions and geographic concentration that multi-fund structures can obscure.
04
Concentration Analysis
Top holdings by weight, single-manager exposure, and sector clustering. Flags positions where a 20% drawdown would materially impact total portfolio value.
05
Market Cap Distribution
Exposure by size band from mega-cap through micro-cap. Reveals whether diversification is real or a collection of large-cap proxies with different labels.
06
Sector & Industry
Sector allocation with concentration scoring. Maps holdings to GICS sectors and identifies where sector bets are intentional vs accidental through fund overlap.
Conclusions
07
Perspective
A direct, one-paragraph judgment on the portfolio's structural health. Three key findings ranked by severity, plus a forward-looking "if nothing changes" statement.
08
Recommendations
Tiered action items: immediate (do this week), structural (next quarter), and strategic (this year). Each recommendation tied to a specific finding with expected impact.
09
Optimized Portfolio
Side-by-side comparison of current allocation vs a proposed optimized structure. Shows the specific trades, fee savings, and risk reduction from implementing recommendations.
Risk & Stress Testing
10
Risk & Scenario
Stress tests across historical crises (2008, COVID, dot-com) and hypothetical scenarios. Quantifies portfolio drawdown under each with recovery timeline estimates.
11
Liquidity Profile
Three-tier liquidity breakdown: immediate, 30-day, and locked. Maps capital call obligations against available liquid assets to flag funding gaps.
12
Drawdown Simulator
Interactive tool modeling portfolio decline and recovery. Adjust drawdown severity, recovery period, and contribution rate to see projected outcomes.
13
Rate & Inflation Shock
Models portfolio impact under rising/falling rate environments and inflation scenarios. Shows duration sensitivity across fixed income holdings.
14
Correlation Heatmap
Cross-asset correlation matrix revealing hidden dependencies. Highlights positions that move together in stress, reducing the diversification you thought you had.
15
Counterparty Risk
Single-counterparty and custodian concentration analysis. Flags exposure to individual institutions across funds, accounts, and prime brokerage relationships.
16
Behavioral Risk
Portfolio-level cognitive bias detection: recency bias, loss aversion, home bias, and anchoring. Scores the portfolio against common behavioral traps.
17
Concentration What-If
Interactive scenario: what happens if your largest position drops 30%, 50%, or goes to zero? Models cascading effects across correlated holdings.
18
Liquidity Waterfall
Visual waterfall of how liquid assets would be consumed in a stress scenario. Shows the order of forced liquidation and at what discount.
19
Earnings Volatility
Maps clustered earnings dates across public equity holdings. Identifies weeks where multiple positions report simultaneously, creating concentrated vol events.
Costs & Income
20
Fee Analysis
All-in cost calculation across fund expense ratios, advisory fees, platform charges, and performance fees. Shows the total drag most clients never see in one place.
21
Fee Waterfall
Stacked visualization of fee layers eroding gross returns. Shows how a 7% gross return becomes 4.2% net after each fee layer is applied.
22
Fee Negotiation
Benchmarks current fees against institutional rates for similar AUM. Identifies specific positions where fee reduction is most achievable and quantifies the savings.
23
Income & Yield
Cash flow analysis across dividends, coupons, and distributions. Maps income timing, identifies concentration in income sources, and flags sustainability risks.
24
Income Sustainability
Durability scoring of each income source. Distinguishes between reliable income (investment-grade coupons) and fragile income (variable distributions from PE funds).
25
Tax Loss Harvesting
Identifies positions with unrealized losses eligible for harvesting. Suggests replacement securities that maintain exposure while capturing the tax benefit.
26
Tax Drag Simulator
Interactive model showing how annual tax drag compounds over 10, 20, and 30 years. Compares current structure against a tax-managed alternative.
Manager Due Diligence
27
Independence Assessment
Quantifies advisor-affiliated product exposure and flags fee layers tied to proprietary funds. The analysis your compliance team wishes someone would do.
28
Hidden Overlap
Decomposes multi-manager fund holdings to reveal true underlying exposure. Two funds labeled "diversified" may hold the same 20 stocks.
29
Style Drift
Compares each manager's stated mandate against their actual holdings and behavior. Flags funds drifting from value to growth, or small-cap mandates holding mega-caps.
30
Benchmark Mismatch
Identifies when the stated benchmark doesn't match actual portfolio composition. A 60/40 portfolio benchmarked against the S&P 500 is hiding its true performance.
Scenarios & Planning
31
Wealth Forecast
Deterministic projection of portfolio value over 10, 20, and 30 years under multiple return assumptions. Includes contribution and withdrawal modeling.
32
FX Impact Scenarios
Interactive currency sliders showing portfolio impact from FX moves. Drag USD/EUR, USD/GBP, or USD/JPY to see real-time value changes across affected holdings.
33
Rebalancing Simulator
Models the trades required to reach target allocation. Shows tax consequences, transaction costs, and the optimal rebalancing sequence.
34
Factor Exposure
Decomposes portfolio returns into factor exposures: value, growth, momentum, quality, size, and volatility. Shows where returns actually come from vs where you think.
35
Vintage & Pacing
PE/VC commitment timeline and vintage year concentration. Flags J-curve clustering and years where multiple funds mature simultaneously.
36
Redemption Calendar
Maps when locked positions become redeemable. Shows the earliest liquidity windows for each restricted holding and total capital available by quarter.
37
Estate & Transfer Risk
Evaluates generational transfer complexity: illiquid assets that can't be easily divided, concentrated positions with tax implications, and heir obligation mapping.
38
AI Exposure
Scores each holding on AI disruption risk and opportunity. Separates beneficiaries from casualties and quantifies portfolio-level exposure to the AI transition.
Interactive Lenses
39
Holdings Explorer
Interactive table of every extracted holding with search, sort, and group-by controls. Filter by asset class, sector, or geography. Sortable by value, weight, or name.
40
AI Exposure Lens
Score every holding against 20 AI disruption dimensions including automation risk, data advantage, and compute dependency. Adjustable assumption dials with real-time portfolio impact.
41
Geopolitical Risk Lens
16-dimension geopolitical risk scoring covering trade policy, sanctions exposure, supply chain dependency, and regional instability. Heat grid visualization with adjustable scenario weights.
Data Integrity
42
Data Audit
Transparency layer showing Excel source rows vs parsed text vs extracted holdings. Green/amber/red status banner for data integrity. Verifies nothing was lost in translation.