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Add your holdings and get a plain English educational breakdown of your portfolio structure, diversification, risk exposure and concentration.
Part of the StockEducation tool library built for clearer investor learning.
A portfolio can own many positions and still depend heavily on one stock, sector or theme. Check concentration by grouping holdings by sector and measuring each position as a share of the total. Then look at how much the largest few positions control together. The free StockEducation AI Portfolio Learning Tracker accepts manual entries or a CSV file and reports position weights, sector exposure, concentration measures and the overall mix. It cannot see your income, taxes, other assets or ability to bear losses. Use the result to decide what deserves a closer review, not as an order to trade.
ticker,quantity,cost_basis,current_price,sector
Free Daily Uses · CSV Import · Educational Portfolio Review
Use it to organise your thinking, not to make the decision.
This output is generated by AI from OpenAI and Perplexity. It is good at structuring information and explaining what a figure means. It can be wrong about facts, out of date, or confidently invent things that are not true.
It knows nothing about your finances, goals or tax position. Everyone who enters the same information gets the same output.
Before you act on anything here, check it against the company's own filings on SEC EDGAR. This is not a recommendation to buy or sell.
Disclaimer · Terms of Use
Educational content only. Not financial, investment, legal or tax advice. This tool is for learning purposes only. Always speak with a licensed professional before making investment decisions.
The Portfolio Analyzer is a free educational tool that helps investors review holdings, diversification, sector exposure, concentration risk and portfolio structure in plain English.
Enter ticker, quantity, cost basis, current price and sector for each position. Add as many as you need. Or import a CSV to skip manual entry.
Leave blank for a full diversification summary. Or ask focused questions like “which sectors am I overexposed to?” for a targeted answer.
The AI returns sector exposure, top holding concentration, diversification observations and structural gaps. Use the output to plan rebalances, not as trade signals.
A four-chapter written walkthrough of adding holdings, importing CSVs, and reading the diversification output.
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Written walkthrough · video version coming soon.
Why use it
Specific outcomes for portfolio review.
Most retail portfolios are more concentrated than they look. The AI surfaces top holding %, sector weight, and overlap across funds.
Consistent diversification, concentration, sector tilts read every time. Track changes over time as you rebalance.
Holdings stay in your session. We do not store, log or share them. Re enter at each review.
Below is a sample of the portfolio breakdown the AI returns. Exact percentages vary with your holdings; analyze your own to see real output.
Portfolio value calculated by summing quantity x current price. Position weights calculated as position value / total value. Top 3 concentration is a standard diversification metric. All math direct from user inputs; high confidence.
Concentration threshold uses the conventional 50% top 3 cutoff. Sector classification uses GICS. Tech tilt calculated by summing tech holdings. Note that VTI itself contains 25-30% tech in its own composition, increasing effective tech exposure further; AI surfaces this overlap.
Diversification gaps identified by comparing portfolio composition against a balanced multi asset framework. Rebalance ideas are educational suggestions, not recommendations. Confidence moderate because optimal allocation depends on your goals, age, and risk tolerance, which the AI does not know.
What you see in the raw input vs what the AI surfaces from it.
AI output is a starting point, not a conclusion. Use this 3 step check before acting on anything the AI says:
Your input text is sent to the AI model provider (OpenAI via API) for processing. Your input is sent to the AI provider for processing and is not stored on our servers. The AI provider may briefly process input under their published data policy. See the OpenAI data policy[1].
Most retail portfolios drift toward concentration over time. The winners get bigger, the losers get sold, and slowly the portfolio becomes a bet on two or three stocks even though you may have started with twenty.
This tool gives you a periodic structural read. Add your holdings, get a plain English breakdown of position weights, sector exposure, concentration and diversification gaps. It is a checkup, not advice. Use it as input to rebalance decisions you make with your adviser or based on your own research.
We use the base GPT model with a custom system prompt tuned for portfolio analysis. The prompt calculates position weights, applies sector classifications, identifies concentration thresholds, and surfaces structural gaps. Knowledge cutoff is recent; recent price moves may not be reflected unless you enter current prices.
Top 3 concentration is the fastest signal. Above 50% is concentrated; above 70% is essentially a 3 stock portfolio.
Sector tilts matter more than they look. A tech tilt during a tech sell off is the dominant risk regardless of stock count.
The biggest factor in AI output quality is the input. Three side by side examples.
AI is excellent at calculating portfolio structure from inputs. It cannot replace your adviser on tax, goals or rebalance timing.
Yes. Free to use, no signup required.
GPT via the OpenAI API with a custom prompt tuned for portfolio analysis. Knowledge cutoff is recent.
No. No input or output is logged or stored on our servers. Holdings remain in your session and are sent to the AI provider only for processing.
Use CSV import. Most brokers offer holdings export to CSV. Format the columns as ticker, quantity, cost_basis, current_price, sector.
No. The analyzer surfaces structural observations. For personalized advice, consult a licensed financial adviser.
Quarterly is reasonable for most investors. Monthly if you trade actively; annually if you rarely change holdings.
Still works. CSV import handles large portfolios. AI still surfaces top concentration and sector tilts.
Yes. ASX, LSE, HKEX tickers work. Sector classifications follow GICS where available.
The AI used in this tool is GPT via the OpenAI API. Editorial team maintains the prompt and reviews quarterly. Portfolio analysis methodology references standard portfolio theory frameworks.
This AI tool is provided for general educational purposes only. It does not constitute financial product advice. Portfolio observations are structural; they do not factor in your tax situation, personal goals or time horizon. Consult a licensed financial adviser before making rebalance or allocation decisions.
Add your holdings and get a structural breakdown in 30 seconds. Free, no signup, no storage.
Educational content only. Not financial advice.
Use these lessons to understand the investing concepts behind the tool and interpret the results in context.
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