Free portfolio analysis: what is really inside your portfolio?
Import your portfolio, check its structure, measure your real return — Planafolio shows concentration risk, costs, and the actual country and currency split behind your ETFs.
Last reviewed: September 2026
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Basics
What is a portfolio analysis?
A portfolio analysis is a systematic review of your investment account. It answers four questions: What are you actually invested in? What risk are you carrying? What does it cost you per year? And what return is genuinely left at the end? Your broker's overview shows only a slice of that — usually a list of positions with a current price and a plus or minus next to it.
The blind spot appears wherever funds are involved. Two ETFs with entirely different names can hold largely the same companies. A portfolio that feels "globally diversified" can in fact depend by half on a single country and a single currency. That only becomes visible once you break the funds open and add up their real constituents across every position — which is exactly what a portfolio analysis does.
A free portfolio analysis therefore does not replace investment advice. It provides the numbers you need before you can decide anything at all — and shows whether your portfolio is doing what you set it up to do.
What you see
What a portfolio analysis reveals
Six questions a plain holdings list leaves open.
Concentration risk
Which position, country and sector dominate your portfolio? The analysis computes your largest single holding, your home bias against the world market, and sector concentration — across all portfolios and ETFs at once.
Expense ratio (TER)
Your funds' ongoing charges are weighted by portfolio share into one overall expense ratio. The published TERs of common core ETFs are on file; positions without a stored expense ratio are left out rather than estimated.
Real return
XIRR and TTWROR (Pro) answer two different questions: one is how the money you put in was compounded, the other how good the investment itself was — regardless of when you paid in or out.
Currency exposure
How much of your wealth rides on the dollar? Foreign-currency exposure is derived from the fund look-through, not from the trading currency of the ETF share — the two often have little to do with each other.
Countries & sectors
Every recognised ETF is resolved into the countries and sectors it actually holds. "1 × world ETF" turns into a real map of your portfolio instead of a single bar.
ETF overlap
Two funds, one market: the overlap analysis shows which of your ETFs largely duplicate each other — the most common reason a portfolio looks broader than it is.
The result
What the output looks like
Health score and fund look-through — the two building blocks the analysis rests on.
Portfolio health score
A score from 0 to 100 built from 6 dimensions: diversification, concentration, home bias, fund overlap, risk & stability and crisis resilience. Dimensions without a solid data basis are left out rather than guessed. The overall score and verdict are free for your own portfolio; Pro shows the breakdown by dimension with the weak spots.
Real fund look-through
Your world ETF doesn't count as one position on one exchange — it is split into the countries and sectors it genuinely holds.
Illustrative figures — your own analysis is based solely on your own portfolio data.
Measuring returns
TTWROR or XIRR: which return is the real one?
"How did my portfolio do?" has two correct answers, and they don't contradict each other. The time-weighted return (TTWROR) ignores deposits and withdrawals and measures only how the invested capital developed. That makes it the fair figure for comparing against an index or someone else's portfolio: a large deposit right before a strong month doesn't flatter it.
The money-weighted return (XIRR, the internal rate of return) does the opposite. It accounts for the timing of every single payment and answers how the money you actually committed was compounded. If you invest regularly, this is the more honest personal number — but it is not comparable to an index.
Only both figures side by side give the full picture: if XIRR is well below TTWROR, the timing of your deposits was the cause, not the investment. Planafolio computes both separately and never mixes them.
How to
A portfolio analysis in five steps
From the broker export through the review to your financial plan.
1. Bring the data together
Get every account into one place: via your broker's CSV export, as a PDF statement, or through automatic synchronisation. Only once everything sits together are allocation and return correct across your whole portfolio — one account left out skews every figure.
2. Review the structure
Look at the split by asset class, country, currency and sector — with the fund look-through, not by portfolio rows. Anything you didn't expect is worth a second look: a country weight you never consciously chose, or a sector arriving from several ETFs at once.
3. Judge risk and cost
Work through your largest position, home bias, ETF overlaps (Pro), foreign-currency share and weighted expense ratio (Pro). Volatility, maximum drawdown (Pro) and a crisis stress test (2008, 2020, 2022) (Pro) additionally show how your current mix would have behaved in bad phases.
4. Put the return in context
Read XIRR and TTWROR side by side and hold the time-weighted return against a benchmark such as MSCI World, S&P 500 or DAX. After that you know whether anything needs doing — and where.
5. Take it into your financial plan
The imported portfolio becomes the starting capital of your financial plan. There you see what share of your retirement needs your wealth is expected to cover — and how savings rate or retirement age change that.
A common rhythm is one thorough analysis a year, for instance at the turn of the year when the tax paperwork comes around anyway.
Free & Pro
What the free portfolio analysis covers
Included in the free plan
The account is permanently free and needs no payment details. Included: one portfolio with unlimited positions, import via CSV and PDF as well as Auto-Sync for supported providers, the full value history, the XIRR return, your portfolio allocation including the ETF look-through by country, sector and currency, the concentration-risk indicator, the overall health score, the dividend calendar and the tax overview.
What belongs to Pro
The in-depth evaluation — including TTWROR (time-weighted return), Health score breakdown with action items, Savings scenarios compared and Monte Carlo simulation — is part of Pro at €7.99/month or €79/year (equivalent to €6.58/month). That's stated here on purpose, not behind a signup form.
Topic overview
Portfolio analysis step by step
Measure returns, check your allocation, know your costs, import your data: here you can see which page answers which question.
1. Measure returns correctly
Simple return, XIRR or TTWROR – which number answers which question and how to calculate it yourself.
2. Allocation and rebalancing
How your capital is spread across securities and currencies and how to get back to a target allocation. The model portfolios show allocations for comparison.
3. Costs and income
What ongoing fund costs (TER) add up to over the years and how much net dividend income your portfolio generates.
Sources and calculation basis
What the linked calculators are based on. Laws with their legal status; linked where a verified address is available.
- XIRR: internal rate of return, discounted daily on a 365-day year
- TTWROR: chain-linked sub-periods following Portfolio Performance's convention (inflows at period start, outflows at period end)
- Risk metrics: computed from cash-flow-adjusted period returns, not the raw portfolio value
- Costs: ETF cost calculator, TER as an ongoing deduction from the gross return
Last reviewed: September 2026
Frequently asked
Questions about portfolio analysis
A portfolio analysis systematically reviews your investment account for structure, risk, cost and return. It answers what you are actually invested in — including the countries, sectors and currencies inside your funds — and how your portfolio has developed so far.
The account is free and needs no payment details. The free plan includes one portfolio, import via CSV and PDF as well as Auto-Sync for supported providers, the full value history, the XIRR return, your portfolio allocation including the ETF look-through, the concentration-risk indicator, the overall health score, the dividend calendar and the tax overview. The Pro plan at €7.99/month or €79/year (equivalent to €6.58/month) adds 35 more features, including TTWROR (time-weighted return), Health score breakdown with action items, Savings scenarios compared and Monte Carlo simulation.
No. You can import your portfolio via a CSV export or a PDF statement, which requires no credentials at all. Only the optional automatic synchronisation uses an API key that you create yourself at your provider — read permissions are enough. Use only API keys with read permissions.
TTWROR ignores deposits and withdrawals and measures only how the invested capital developed; that is the figure comparable to an index. XIRR accounts for the timing of every payment and shows how the money you actually committed was compounded. Both are correct, they simply answer different questions.
Concentration risk exists when a large share of your portfolio depends on a single holding, country or sector. It usually only becomes visible after the fund look-through: the analysis computes your largest single position, your home bias against the world market and the overlap between your ETFs.
A common rhythm is once a year, for instance at the turn of the year when the tax paperwork comes around anyway. After larger reallocations or when starting a new savings plan, an extra look at structure and cost is worthwhile.
No. The review only puts your own portfolio data into context. It is not investment advice and not a recommendation to buy or sell any particular security.
The portfolio analysis is an evaluation of your own data for orientation — not investment advice and not a buy or sell recommendation.
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