Why Standard ETF Trackers Aren't Enough
Most portfolio trackers tell you what you own. Guardfolio tells you what's at risk. For ETF investors, the difference matters more than you think.
When you hold VTI in your Fidelity 401k, QQQ in your Robinhood account, and VOO in your Vanguard IRA, a basic tracker shows you three positions. Guardfolio shows you that all three overlap significantly in large-cap US tech — and that your real tech exposure is 45%, not the 20% you intended.
💡 The ETF Overlap Problem
A portfolio of 5 ETFs can have hidden 60%+ overlap in the same underlying stocks. Standard trackers miss this entirely. Guardfolio's correlation and concentration analysis reveals your true exposure across all accounts and funds.
What Guardfolio Does for ETF Investors
ETF Overlap Detection
See how much your ETFs share the same underlying holdings across all your accounts. Know your real sector and stock exposure, not just your fund allocation.
Concentration Risk Alerts
Get notified when any sector, geography, or asset class exceeds your target allocation — even when the concentration is hidden inside multiple ETFs.
Multi-Brokerage Aggregation
Connect Fidelity, Vanguard, Schwab, Robinhood, and 30+ brokers and exchanges. See your entire ETF portfolio in one unified view.
Portfolio Health Score
A single score that reflects your ETF portfolio's diversification, volatility, and risk-adjusted performance. Updated continuously.
Correlation Matrix
Visualize how your ETFs move relative to each other. True diversification means low correlation — verify yours is actually working.
Volatility Monitoring
Track rolling volatility of your ETF portfolio over time. Receive alerts when overall portfolio volatility exceeds your comfort threshold.
ETF Investors Who Benefit Most
The Three-Fund Portfolio Investor
If you hold a simple VTI + VXUS + BND allocation across multiple accounts, Guardfolio ensures your target allocation stays on track as markets move. Know the moment your equity/bond ratio drifts beyond your threshold.
The Factor ETF Investor
Tilting toward value, small-cap, or momentum ETFs? Guardfolio's correlation analysis shows you when factor premiums are moving together — reducing the diversification benefit you're counting on.
The 401k + Brokerage Investor
Managing a 401k at work alongside a personal brokerage account is where most tools fail. Guardfolio aggregates both into one risk view so you can optimize your total portfolio, not each account in isolation.
Know What Your ETFs Are Really Doing
Stop guessing about overlap, concentration, and correlation. Guardfolio gives you the full picture across every account and every fund.
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