Your portfolio health score
Add the funds you actually hold, what goes in each month and what you did with them. You get one score out of 100, the six checks behind it, which funds are falling behind similar funds, and a fund-by-fund table. Everything is computed here in your browser; nothing is uploaded, and there is no account.
Add a holding
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Your holdings
Saved in this browser, so you can come back to it. A free account keeps it on every device. Clear all removes it.
What the score covers
- Against similar funds
Each fund's 3 and 5-year return against every fund in its category. A fund in the bottom quarter over 3 years and below the middle over 5 is flagged as lagging; one bad year is not.
- Behaviour gap
What your pauses, sales and profit booking cost against the same instalments left alone. The biggest leak for most people and the only one advice can close.
- Overlap
How closely your funds moved together over three years, plus duplicates in the same category. Two funds that move together 93% of the time are one bet held twice.
- Cost drag
What regular-plan commission costs on today's value over the next ten years. Usually the easiest money to recover.
- Concentration
Whether mid and small caps, sector funds or a single fund dominate beyond what a risk profile would allow.
- Fund count
Beyond four or five diversified funds, more funds add paperwork rather than protection.
Statement upload from CAMS and KFintech is coming, and will also run in your browser. Until then, entering holdings by hand takes about a minute.