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Find what your broker
isn't showing you.
Free portfolio risk score in 2 minutes.

Portfolio risk analytics software for every brokerage, IRA, and 401k. Track volatility, concentration, allocation drift, and ETF overlap. Get instant alerts before risk costs you.

  • Unified view across all brokerages & accounts
  • Real-time volatility, concentration & drift alerts
  • ETF X-Ray: see inside every fund you own
  • No broker login — CSV import in under 2 minutes
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7-day free trial · Cancel anytime · 2-minute setup

Risk Analysis
72/100
Medium-High
Low RiskMediumHigh Risk
⚠ Tech concentration: 43% HIGH
↗ Allocation drift: 8.2% WATCH
✓ Geographic spread OK
Guardfolio portfolio risk monitoring dashboard showing concentration risk, allocation drift, and risk scores across all accounts
140+
Investors Monitoring Risk
2 min
Setup Time
0
Broker Logins Required
256-bit
Bank-Grade Encryption
7 days
Free Trial

Works with your brokerage — direct connection or CSV import

Fidelity
Charles Schwab
Vanguard
E*TRADE
Robinhood
Interactive Brokers
Webull
+ Any CSV Export

Don't see yours? Import a CSV — works with any brokerage that lets you export your holdings.

The Solution

Guardfolio Monitors Your Risk
So You Don't Have To

Everything you need to stay truly diversified, catch problems before they cost you, and invest with real confidence.

Unified Portfolio View

See total exposure across every brokerage, 401k, IRA, and account — stocks, ETFs, mutual funds, bonds — all in one clean dashboard.

Smart Risk Alerts

Get notified the moment concentration spikes above your threshold, allocation drifts off target, or correlated holdings put you at risk.

ETF X-Ray & Overlap

See inside every ETF and fund. Instantly discover when different holdings are actually buying the same stocks or sectors — without you knowing.

Rebalancing Suggestions

Plain-language, actionable steps to get your portfolio back on target. No financial jargon. No guesswork. Just clear, specific guidance.

AI-Powered Analysis

AI evaluates sector, geographic, and factor exposures to surface risks a human eye might miss — then explains them in plain English.

Private & Secure

No broker login needed. You control your data. Read-only analysis with bank-grade encryption. Your financial data stays yours — always.

Your privacy and security are non-negotiable

We built Guardfolio so you never have to hand over broker credentials. Your data is analyzed, never exposed.

No broker login We never ask for your brokerage username or password
AES-256 encryption Bank-grade encryption on all stored data, at rest and in transit
Read-only analysis Guardfolio can only read portfolio data — no trading permissions, ever
Never sold or shared Your financial data is never sold, shared, or used for advertising

Full Report View

Risk & Performance Analysis

Every metric that matters — volatility, Sharpe ratio, drawdown, concentration — in one view.

app.guardfolio.ai — Risk & Performance Analysis
Risk & Performance Analysis
Volatility, concentration & risk-adjusted return
Low Risk
Portfolios | All Portfolios
Information only — not personalized investment advice.
Risk Score
4.0 /100
Rebalance to adjust risk.
Portfolios Health
98 /100
Key Metrics
Volatility (1Qd) ⓘ
0.47%
Sharpe Ratio (1Y) ⓘ
6.76
Max Drawdown (1Y) ⓘ
−13.97%
Total Return (1Y) ⓘ
+15.02%
Top Sector ⓘ
Technology (26.1%)
Benchmark ⓘ
S&P 500 (SPX)
Beta vs S&P 500 ⓘ
0.87
Treynor Ratio (1Y) ⓘ
0.13
Sortino Ratio (1Y) ⓘ
3.29
Concentration Top 3 ⓘ
9.47%
Concentration Top 5 ⓘ
14.73%
Is your risk worth it?
Sharpe ratio (1Y): 6.76 — Your risk is well compensated — return per unit of risk is strong.
1-year return vs S&P 500 (SPX): Your portfolio returned 1.85% less than S&P 500 over the last year.

How It Works

Get Started in 3 Simple Steps

1

Sign Up Free

Create your account in under 60 seconds. No broker credentials required. Your data stays private.

~1 minute
2

Add Your Holdings

Import from a CSV export or enter holdings manually. Works with Vanguard, Fidelity, Schwab, and all major brokerages.

~1 minute
3

See Your Risk Instantly

Get a complete risk breakdown — concentration score, drift analysis, ETF overlap, and plain-language rebalancing suggestions.

Instant
Start Free in 2 Minutes

Pricing

Start Free. Upgrade When You're Ready.

7-day free trial on all paid plans — cancel anytime, no questions asked

No surprises. Start with a free risk report, then upgrade if you want ongoing monitoring and alerts.

Guardian

Get started for free

$0/mo
  • ✓ Online risk report
  • ✓ Portfolio risk score
  • ✓ Concentration analysis
  • ✓ 1 portfolio (up to 10 holdings)
  • ✓ Monthly email summary
Get Free Risk Report
Most Popular

Guardian Pro

Full portfolio risk monitoring

$29.99/mo
$20.99/mo
30% off with code EARLYBIRD
7-day free trial included
  • ✓ 3 accounts & 3 broker connections
  • ✓ Stocks, ETFs & Mutual Funds
  • ✓ Health scores & benchmarks
  • ✓ Advanced portfolio analysis
  • ✓ Correlation analysis
  • ✓ ETF X-Ray & overlap detection
  • ✓ Rebalancing suggestions
  • ✓ Risk alerts & custom settings
  • ✓ Instant chat support
Start Free Trial

Guardian Elite

For serious portfolios

$59/mo
$41.30/mo
30% off with code EARLYBIRD
7-day free trial included
  • ✓ Everything in Pro
  • ✓ Unlimited accounts
  • ✓ Multiple broker connections
  • ✓ Priority support
Start Free Trial
Built by
Elad Nahum
Elad Nahum
Co-Founder & CEO · 17+ yrs Portfolio Management
|
Moshe Cohen Pur
Moshe Cohen Pur
Co-Founder & CTO
Our story

Real Investors. Real Results.

What People Are Saying

★★★★★
"I had no idea my 'diversified' ETF portfolio was 42% tech. Guardfolio caught it in the first scan. I rebalanced immediately. Worth every penny."
DK
David K.
Boglehead-style investor · $340k portfolio
Verified Guardfolio User
★★★★★
"Finally one place to see my 401k, IRA, and taxable accounts together. The drift alerts alone saved me from making a costly rebalancing mistake."
SM
Sarah M.
Pre-retiree · 3 accounts
Verified Guardfolio User
★★★★★
"Simple, clean, no BS. Shows me exactly what's wrong with my portfolio and which actions to review next. The rebalancing suggestions are spot on."
JR
James R.
DIY investor since 2018
Verified Guardfolio User

FAQ

Common Questions

Yes. We never require your broker login or password. You import holdings via a CSV export from your brokerage — the same file you can download in minutes. All data is encrypted with AES-256 bank-grade encryption, stored securely, and never shared or sold to third parties.
We support all major brokerages including Vanguard, Fidelity, Charles Schwab, TD Ameritrade, E*TRADE, Robinhood, and more. If your brokerage lets you export a CSV of your holdings, it works. You can also enter holdings manually in under 2 minutes if you prefer.
The free Guardian plan includes an online risk report, portfolio risk score, concentration analysis, 1 portfolio with up to 10 holdings, and a monthly email summary. It's a great way to get a quick read on your risk exposure. Upgrading to Pro unlocks unlimited accounts, real-time alerts, ETF overlap analysis, and ongoing rebalancing suggestions.
Yes — cancel anytime, no fees, no penalties. You'll keep access through the end of your billing period. You can export or permanently delete your data at any time from your account settings. No lock-in, no hassle.
Early Bird Pricing — 30% Off with Code EARLYBIRD

Your Portfolio Has Risks
You Can't See. Let's Fix That.

Join 140+ investors who use Guardfolio to stay truly diversified, catch drift early, and invest with clarity.

Start Your Free 7-Day Trial Get Free Risk Report First

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