Portfolio X-Ray Tool
See what's really inside your ETF portfolio. Uncover hidden overlaps, sector blind spots, and fee drag in seconds.
Most investors pick ETFs one at a time without checking how they interact. The result is often unintended sector concentration, duplicate holdings across funds, and fees that silently compound against you over decades. This free Portfolio X-Ray tool lets you enter your ETF holdings and allocation percentages, then instantly reveals six critical dimensions of your portfolio: sector exposure, holdings overlap, cumulative fee impact, risk profile, coverage blind spots, and an overall diversification score.
Start with the pre-filled three-fund portfolio below or clear it and add your own ETFs. Adjust allocation percentages to match your actual portfolio, then click Analyze to get your full X-ray report.
Build Your Portfolio
Explore More Tools
Frequently Asked Questions
What does the Portfolio X-Ray tool analyze?
The Portfolio X-Ray tool breaks down your ETF portfolio across six dimensions: combined sector exposure, holdings overlap between ETFs, fee impact analysis over 10-30 years, risk assessment based on weighted beta, blind spots in sector coverage, and an overall diversification score from 1-10.
Why does holdings overlap matter in a portfolio?
When multiple ETFs in your portfolio hold the same stocks, you end up with concentrated positions without realizing it. For example, both VOO and QQQ hold large positions in Apple and Microsoft. The overlap analysis helps you spot these hidden concentrations so you can adjust your allocations for true diversification.
How is the fee drag calculated?
Fee drag shows the cumulative cost of expense ratios on your portfolio over time. We calculate the difference between a portfolio growing at 8% annual return with and without the weighted expense ratio applied. On a $100,000 portfolio, even a 0.10% expense ratio difference can cost thousands over 20-30 years.
What is a good diversification score?
A diversification score of 7 or above out of 10 is considered strong. The score factors in sector spread across the 11 standard sectors, total number of underlying holdings, international exposure, and number of ETFs. A three-fund portfolio with US stocks, international stocks, and bonds typically scores 7-8.