Free Portfolio
Health Check
Upload a CSV, Excel, PDF, or screenshot of your holdings and get a portfolio health score in minutes — covering concentration, ETF overlap, sector exposure, and diversification gaps. No account required.
What is a portfolio health check?
A portfolio health check is a fast diagnostic that surfaces hidden exposures returns alone don't reveal — concentration in single stocks, sector skew, ETF overlap, and volatility versus a personal baseline — and summarizes them in a single health score. Guardfolio's free health check runs from an uploaded CSV, Excel, PDF, or screenshot in minutes. No account required.
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:
Upload Your Portfolio
We'll analyze your holdings and send you a detailed risk report
What the free portfolio health check covers
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. For the longer-form playbook behind these checks, see our portfolio risk management guide.
Concentration risk
Flags outsized stock, ETF, sector, or asset-class exposure that can dominate portfolio outcomes. Learn more.
ETF overlap
Looks for duplicated holdings across funds so wrapper count does not hide repeated exposure. Try the dedicated ETF overlap checker for pairwise comparisons.
Diversification quality
Checks whether holdings are genuinely different risk drivers or just correlated versions of the same bet. See our diversification methodology.
Drawdown sensitivity
Highlights where a single theme, sector, or volatile sleeve could shape downside behavior.
What your report looks like
Here is a representative sample of the output, generated from a typical self-directed US portfolio. Real reports use your own holdings, with the same sections and structure. Values shown below are illustrative.
Sample report
Portfolio Health Check — May 2026
Health score
62 / 100
Concentration
28% of portfolio in a single position (AAPL). Above the 20% threshold typically flagged as concentrated.
ETF overlap
VOO + VTI + QQQ share 47% of underlying weight across top 10 holdings — effective diversification is lower than ticker count suggests.
Sector skew
Information Technology = 42% of equity exposure. Versus a balanced reference around 26%.
Diversification
14 distinct holdings with reasonable cross-asset spread — fixed income and international sleeves both present.
Sector breakdown
Illustrative sample. Educational and informational only — not personalized financial advice. Your real report uses your own holdings and updates the thresholds based on what is found.
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.”
How it compares to other portfolio risk tools
Most free portfolio risk tools require an account, a broker connection, or both. Guardfolio's free health check is one of the few that accepts a CSV, Excel, PDF, or screenshot upload with no signup. Here is how the common alternatives stack up for a one-time portfolio risk snapshot:
| Tool | Free | No account | File upload | Concentration & overlap |
|---|---|---|---|---|
| Guardfolio free health check | Yes | Yes | CSV, Excel, PDF, screenshot | Both, with health score |
| Morningstar Portfolio X-Ray | Premium only | Account required | Manual entry / broker import | Strong fund-level look-through |
| Empower Investment Checkup | Yes | Broker login required | No, broker aggregation | Allocation focus, lighter on overlap |
| Portfolio Visualizer | Free tier + paid | Account for saved portfolios | Manual entry / paste | Backtesting first, not overlap |
Positioning is based on publicly visible product capabilities as of May 2026. See our full comparison of portfolio risk analysis tools for deeper trade-offs across workflow, monitoring, and tax-reporting needs.
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.
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.
How accurate is the free portfolio health check?
Accuracy depends on the completeness of the file you upload. When holdings and weights are clearly parsed, concentration and ETF-overlap findings are typically within a few percentage points of broker-reported figures. The free check is designed for directional risk insight, not basis-point precision. It can miss positions not shown in your file, options structures, and uncommon non-US listings.
How does this compare to my broker's risk tool?
Broker risk tools usually cover only the holdings inside that one account. The Guardfolio health check accepts a combined view across brokerages, retirement accounts, and crypto wallets — anything that fits in a CSV, Excel, PDF, or screenshot — so you can see whole-portfolio concentration and overlap that single-account tools cannot detect.
What happens to my file after the report is sent?
Files are transferred over HTTPS and used to generate your report. Guardfolio does not sell your portfolio file. You should still avoid including full account numbers, social security numbers, or unrelated sensitive documents in any screenshot or PDF you upload.