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Portfolio Risk Analysis
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A portfolio risk analysis tool helps investors quantify concentration, diversification, overlap, volatility, and drawdown risk from real holdings data. Guardfolio reviews uploaded portfolios and highlights where risk is clustered so investors can make allocation decisions with better context.
Concentration Risk Detection
Find hidden overlaps between your "diversified" holdings
Diversification Analysis
See exactly how balanced your portfolio really is
Volatility Assessment
Understand your portfolio's risk level vs. your tolerance
Risk Observations
See what your data reveals about where risk is concentrated
This free page gives a one-time, file-based snapshot of portfolio-level themes such as concentration, diversification quality, volatility context, and fund overlap. It is educational and informational only, not personalized financial advice.
Your Report Will Include:
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We'll analyze your holdings and send you a detailed risk report
What the free portfolio risk analysis checks
A portfolio can look fine by balance and still carry hidden risk. The snapshot focuses on the exposures that most often surprise self-directed investors after a selloff: repeated top holdings, sector crowding, correlated positions, and oversized bets that grew quietly over time.
Concentration risk
Flags outsized stock, ETF, sector, or asset-class exposure that can dominate portfolio outcomes.
ETF overlap
Looks for duplicated holdings across funds so wrapper count does not hide repeated exposure.
Diversification quality
Checks whether holdings are genuinely different risk drivers or just correlated versions of the same bet.
Drawdown sensitivity
Highlights where a single theme, sector, or volatile sleeve could shape downside behavior.
Methodology & inputs
This free check is designed as a fast snapshot—not a substitute for personalized financial advice. We parse the positions shown in your file, infer weights where possible, and benchmark common risk themes (concentration, diversification, volatility context, and fund overlap) against typical DIY portfolios.
- Inputs: symbols/weights from CSV, spreadsheet, statement PDF, or screenshot.
- Outputs: health-style score, sector/security concentration callouts, overlap notes, and plain-language observations.
- Limits: snapshot only; may miss holdings not in the file, options structures, or non-US listings not recognized.
Example findings you might see
Overlap: “VTI and VOO both heavily weight the same top US names—your ‘two-fund’ portfolio may be less diversified than it looks.”
Concentration: “A single sector represents more than 40% of equity exposure—consider rebalancing toward your policy weights.”
Drift: “International sleeve has fallen below your stated target for three weeks—review whether to top up or update the target.”
Common portfolio risk scenarios
These guides show the same risk lens on common holdings and fund combinations. Use them to understand what the snapshot may flag in your own portfolio.
Related tools & guides
After your report, most investors pair this snapshot with ongoing monitoring and deeper diagnostics:
- ETF overlap checker — quick fund intersection view
- Concentration risk primer — how weights turn into drawdown risk
- Portfolio monitoring — always-on alerts after you connect brokers
- Portfolio analytics — interpret exposure and drivers in depth
- Risk management workflow — thresholds, reviews, and governance habits
From one-time snapshot to ongoing monitoring
The free upload shows what your portfolio looked like at one moment. A Guardfolio account keeps the same risk checks current with read-only brokerage connections, alerts, and portfolio drift monitoring.
Start ongoing monitoringFAQ
What file formats can I upload?
CSV, Excel, PDF, or a screenshot (max 5MB). You can paste a screenshot with Ctrl+V when the drop zone is active.
What does the report analyze?
Portfolio-level risk themes such as concentration, ETF overlap, allocation drift context, volatility context, and a portfolio health score. A portfolio health score is a composite summary of structural portfolio risk across concentration, overlap, drift, volatility, and diversification dimensions.
What is allocation drift?
Allocation drift is the gap between a portfolio's target weights and its actual weights after market movements.
How is my data handled?
Transferred over HTTPS and used to generate your report. We do not sell your portfolio file. Avoid including full account numbers in screenshots.
Why connect brokers after this?
A file is a one-time snapshot. Read-only connections keep positions current so drift, earnings windows, and overlap stay accurate without manual exports.
Can this detect ETF overlap?
Yes. ETF overlap is when two or more ETFs hold the same underlying stocks, which can make a portfolio less diversified than it appears. When holdings data is available, the analysis looks for repeated exposure across ETFs and direct holdings, including cases where different fund names still contain the same underlying companies.
Is this investment advice?
No. Guardfolio provides educational, informational risk analysis. It does not recommend trades, manage assets, or act as a registered investment advisor.