Portfolio Review + Monitoring
Understand the whole portfolio, then keep it checked
Start with a complete holdings-based review and every qualifying what-if scenario in our supported universe. Save the dated baseline you choose, then we run 12 monthly holdings checks and add human review when a material change is detected.
If we cannot monitor your portfolio properly, we will refund the payment in full and cancel the subscription. Cancel future renewals by replying to any service email.
- Initial delivery
- Full portfolio review
- Scenarios
- All qualifying what-ifs
- Monitoring
- 12 monthly holdings checks
- Human review
- When material change is detected
Three steps, no dashboard to learn
- Pay, then enter your portfolios. The annual plan is $149 USD. Fund tickers and allocation percentages are enough.
- Receive the complete review. It includes every qualifying what-if scenario and the dated baseline you choose.
- Keep it checked. We run 12 monthly holdings checks and a human reviews the result when a material change is detected.
What the initial review covers
- Pairwise weighted overlap between your ETFs
- Combined exposure to individual stocks
- Top-five stock concentration
- Sector exposure and meaningful changes
- Every qualifying same-role what-if scenario in the supported universe
- Holdings source dates and freshness status
Clear limits
- No brokerage login or account numbers
- No real-time trading alerts or monthly human-written report when nothing material changed
- No buy, sell, or rebalance recommendations
- No confirmed drift without comparable holdings data
Human review format
Sample material-change review
This anonymous example uses a fixed 50% SPYD and 50% XLE allocation with public State Street holdings. It is not customer data.
Material-change review
Example portfolio A
50% SPYD / 50% XLE · State Street official daily holdings
| Metric | Baseline | Current | Change | Result |
|---|---|---|---|---|
| SPYD and XLE weighted overlap | 8.10% | 4.89% | −3.21 pp | Flagged |
| Shared holdings | 6 | 4 | −2 | Context only |
| Largest stock: XOM | 10.39% | 10.37% | −0.03 pp | No change flag |
| Top-five stock concentration | 27.91% | 26.91% | −1.00 pp | Flagged |
| Energy sector exposure | 54.35% | 52.35% | −2.00 pp | Flagged |
In this comparison, weighted overlap fell 3.21 percentage points. Top-five stock concentration fell 1.00 point and Energy exposure fell 2.00 points. The report names the holdings that drove each change and shows the dates being compared.
How the monitoring rules work
Each monthly holdings check compares compatible official holdings snapshots. Changes are shown in percentage points: current weight minus baseline weight. If dates are not comparable, the check does not claim confirmed drift. A human reviews the result when a material change crosses the documented rules; a monthly human-written report is not promised when nothing material changed.
| Metric | Default reporting threshold |
|---|---|
| Pairwise weighted overlap | ≥ 3.0 percentage-point change, or a move across the under 30%, 30% to under 70%, or 70%+ house ranges |
| Underlying-stock concentration | ≥ 1.0 percentage-point change in one stock or the top-five total, or one stock crossing the 5.0% house level |
| Sector exposure | ≥ 2.0 percentage-point change, only when sector-classification coverage is comparable |
| Shared-holdings count | Shown for context; count alone does not trigger a change flag |
These are OverlapCheck house thresholds, not industry standards, personalized risk limits, or investment advice. Crossing one prompts human inspection of the dated holdings data; it is not a recommendation to trade.
Data freshness states
| Status | Meaning |
|---|---|
| Comparable update | Every fund required for the metric has a newer successful official snapshot, and its dates meet the comparison rule documented at setup. Confirmed drift can be calculated. |
| No new comparable data | At least one required fund has no newer comparable official snapshot. The source may have been checked, but no overlap drift is confirmed for the period. |
| Mixed-date / not comparable | The available snapshots do not represent compatible dates or reporting periods. A current estimate may be shown with the dates, but it is not labeled confirmed drift. |
| Fallback snapshot | A source check failed and a previously stored snapshot was reused. It is labeled stale or fallback, never presented as a new update. |