Portfolio Analyzer
What you own, what it costs you, and what it is likely to do next.
See what your portfolio is actually doing. Allocation, factor exposure, fee drag, stress tests, and a Monte Carlo projection, with every term explained as you go. The analysis institutions run on themselves, in language you can use.
Your holdings
| Fund or ticker | How much you have in it |
|---|
Drop your holdings file here
Most brokerages have a Download or Export button on the holdings page. Save it as CSV and drop it in. Every row comes through, including tickers we have never seen.
Almost there. Tell us which columns to read.
What we read from your file
That works fine. Tell us what the whole account is worth and we will convert, or enter 100 to work purely in percentages.
Check the value column against your brokerage before you go on. If a row is wrong, uncheck it or fix the category once it is imported.
The file is read inside your browser. It is not uploaded to Wynfull or anywhere else.
About your situation
Long horizon. Volatility matters far less than staying invested.
New money going in, across all accounts.
In today's money. Leave it blank if you have no number in mind.
Anything ticked is left out of the suggested target, since you already hold it.
Portfolio analysis
Add a holding or upload a file and your read appears here.
Asset allocation
Factor exposure
Two answers to "what will this return?"
Fee drag
Findings
Go deeper
You have seen what you hold. Now see what it does.
The analysis above is the diagnosis. What is behind this is the part that changes decisions, and it is free. Enter your email and it opens on this page, immediately.
- Optimizer. The efficient frontier for your holdings, and the trades that move you onto it
- Black-Litterman. Your own view of the market, blended into the expected returns
- Monte Carlo. 2,000 paths, success rates, and the range you could actually land in
- Stress tests. What this portfolio would have done in 2000, 2008, 2020 and 2022
- Correlation matrix. Whether your holdings are genuinely different bets
- Ask AI. Any question about your own numbers, answered in plain language
Your holdings never leave your browser. We use the email only to send you this read and the weekly Wynfull letter. One click unsubscribes, and we never sell your details.
Balanced. Real growth, with drops you can sit through.
Concentration limit. Caps how much any one asset class can hold.
Floor on bonds and cash, the part you could sell in a drawdown without realizing equity losses.
Anything you already own elsewhere, or simply do not want, is kept out entirely.
Each blue dot is a feasible allocation and the gold line is the efficient frontier, the best return available at each level of risk. The frontier ends where it does because it is built from asset classes using forward estimates, not from a backtest of the best funds of the last decade. Switch the basis on the Assumptions tab to see the difference.
Your allocation, next to a suggestion
A suggestion, not an instruction. It knows your horizon and your goal but nothing about your taxes, your job, or what you own elsewhere. Gaps under 2% are left out, since trading them costs more than they recover.
| Asset class | You hold | Suggested | Suggested change |
|---|
Taxes are not included. Selling inside a regular taxable account can create a bill bigger than the problem you are fixing, so check that first.
Forward estimates are long run capital market assumptions. They sit below recent history because starting valuations are higher now.
Twenty years covers 2008, 2020 and 2022, and a strong run for US equities.
This is the honest answer to why a frontier tops out where it does. Switch to the historical basis and the ceiling moves, because US growth returned far more than any forward model will project. Neither basis is a forecast.
Type over any figure to use your own. Volatility and correlation stay as they are, since those are far more stable through time than returns.
Modelling your current holdings. Switch to compare against the suggested mix from the first tab.
Shared with the Assumptions tab, so the whole page stays consistent.
Rental property is modelled at its own return and volatility rather than lumped in with stocks, so a landlord's plan is not scored as if the equity in a house behaved like the S&P 500.
Returns are inflation adjusted at 2.5%, so every figure below is in today's purchasing power.
The solid line is the median path. Bands show the 25th to 75th and 10th to 90th percentiles. Watch the lower band rather than the upper one, because that is the path that makes people abandon a plan.
Ask AI about your own portfolio AI powered
This is a live AI model reading the figures from your own Analyzer, not a canned FAQ. Ask in whatever words you have and the answer comes back using your numbers, defining terms as it goes. It will not tell you what to buy, because nobody who has never met you should.
When you ask a question, the shape of your portfolio (percentages, fees, risk) is sent to Wynfull to answer it. Your dollar amounts and ticker names are not.