Portfolio Analysis Tool UK

A platform statement tells you that £40,000 is in a Stocks and Shares ISA. It does not tell you that £28,000 of it is American, that two of your funds hold the same forty companies, or that the “global” tracker you bought for diversification is two-thirds one country. Put your holdings in below and see what you are actually invested in — asset class, region, sector and overlap. Free, no sign-up, and nothing leaves your browser.

What are you actually invested in?

Add a holding, say what it is, and the breakdown builds as you go

Worked out entirely in your browser. Nothing is uploaded, nothing is stored and there is no sign-up. General information about how asset allocation works, not financial advice — WealthR Ltd is not authorised by the Financial Conduct Authority.

Where your money is, and what it is invested in, are two different questions

Most people can answer the first one in a few seconds. Two ISAs, a workplace pension, some cash at the bank, maybe a general account left over from a share scheme. That is an answer about boxes.

The second question is about what is inside the boxes, and it is the one that decides what actually happens to the money. A Stocks and Shares ISA, a SIPP and a general investment account are wrappers: they set the tax you pay, not the return you get. You can hold precisely the same global tracker in all three. Your exposure is identical in each — which is why an allocation worked out by account tells you almost nothing.

What does tell you something is the mix underneath: how much is in shares against bonds or cash, which parts of the world those shares are in, which industries, and whether two of your funds are quietly the same bet.

The thing most people are surprised by

A “global” equity tracker is not evenly spread across the world. Global indices weight companies by size, and the largest listed companies are overwhelmingly American — so a FTSE All-World or MSCI World fund has typically run at roughly two-thirds United States in recent years, with the UK in the low single digits. That is not a flaw in the fund; it is what the index is. But somebody holding a global tracker, a US index fund and a technology fund has bought the same large American companies three times, and would reasonably have described all three as diversification.

What this tool does, and what it cannot do

It takes what you tell it and does the arithmetic honestly. It does not pretend to know things it has no way of knowing.

It asks, rather than guessing

Nobody can read the inside of a fund from its name. So you say what each holding is — the asset class, the part of the world, the industry — and the tool does the rest. Anything you leave unanswered is shown as unclassified rather than filled in for you, and the coverage line says how much of your money the percentages are actually reading.

“Spread worldwide” is an answer, not a blank

If a holding is a global tracker, that is a true and useful thing to say about it. Forcing you to invent country percentages for it would manufacture precision nobody has. The same goes for spread across sectors, which is what an index fund genuinely is. Both get a row of their own and are never counted as a single country or a single industry.

Sectors are only asked where a sector means something

A gilt does not have an industry and neither does a cash account, so the question is not asked for them — and the sector percentages are measured against the shares and funds that were asked, not against your whole portfolio. Measuring them against the lot would quietly understate every industry by however much cash you hold.

Overlap means the same mandate, not the same shares

The tool groups holdings you have described identically, because two funds with the same mandate will own many of the same companies. It is not a look-through: listing the individual shares inside a fund needs published fund-composition data, which is licensed and not something this page has. Claiming otherwise would be the easiest way to be confidently wrong.

Nothing is stored and nothing is sent

Every figure here is worked out in your browser. There is no account, no sign-up and no upload. Close the tab and it is gone — which also means it does not remember, and that is the one thing the paid version adds.

The eleven sectors, in plain English

Sector classification sounds technical and mostly is not. The standard framework splits listed companies into eleven industries, and almost every fund factsheet uses it. Here is what each one holds, and where the awkward cases go.

Technology — software, semiconductors, hardware and IT services. There is no “AI” sector: artificial intelligence is a theme that spans technology (the chipmakers and software houses) and communications (the large platform companies), so an AI fund normally sits across both.
Healthcare and pharmaceuticals — drugmakers, medical devices, biotech, hospitals and insurers of care. A large European drug company is healthcare, not consumer goods, however familiar its products are.
Financials — banks, insurers, asset managers and payment companies.
Consumer and retail — the shops, the brands, the food and drink. Split in the formal framework into staples (things people buy whatever happens) and discretionary (things they buy when they feel comfortable).
Industrials — manufacturing, aerospace and defence, transport, construction and business services.
Energy — oil and gas, and increasingly renewables.
Materials and mining — metals, chemicals, packaging, building materials.
Utilities — electricity, gas and water networks and suppliers.
Real estate — property companies and REITs. If you hold a property fund, that is its own asset class here rather than a sector of your equities.
Communications and media — telecoms, entertainment, and the large internet platforms.
Spread across sectors — not one of the eleven, but the honest answer for an index fund, a multi-asset fund or anything deliberately diversified.

Three questions this answers that a platform cannot

A platform app can only see what is held at that platform, and it reports by account. None of these questions survive that.

“How much of my money is in shares?” — not how much is in your ISA, but how much is in equities once the pension, the general account and the cash are all in the same picture. For a lot of people the answer is a good deal lower than they expect, because workplace pension defaults and uninvested cash both sit quietly in the background.
“Am I more exposed to one country than I meant to be?” — the global tracker, the US fund and the technology fund all point the same way, and nothing on a statement adds them up.
“Have I bought the same thing twice?” — three funds from three providers can be three names for one bet. Grouping by the exposure you describe is how that shows up.

What this page deliberately does not do is tell you what to do about any of it. It shows you the figures and stops. WealthR gives general information, never a personal recommendation, and WealthR Ltd is not authorised by the Financial Conduct Authority.

The version that remembers

This page forgets everything the moment you close it, which is the right trade for a free tool with no sign-up. Inside WealthR, Portfolio X-ray does the same job against the holdings you already track — every investment, every pension pot, your whole portfolio rather than what you can be bothered to retype — and it remembers your answers, so your monthly updates carry straight through and you only come back when you add something new. It is part of WealthR Pro.

Start free → See what Pro adds

Questions people ask

What is a portfolio analysis tool?

A portfolio analysis tool looks past the accounts your money sits in and shows what it is actually invested in: how much is in shares, bonds, cash or property; which parts of the world it is exposed to; which industries; and whether two of your holdings are really the same bet. An account statement cannot tell you that, because an ISA, a SIPP and a general account are wrappers — the tax treatment — not the investments inside them.

How do I work out my asset allocation?

Add up what each holding is worth, decide what each one is (shares and equity funds, bonds and gilts, cash and money market, property funds and REITs, physical assets, crypto or mixed), then express each class as a share of the total. The tool on this page does the arithmetic once you tell it what each holding is. Anything you leave unanswered is shown as unclassified rather than guessed at, so the percentages always say how much of your money they are actually reading.

Can two funds hold the same thing?

Yes, and it is extremely common. A global tracker, a developed-world fund and a US index fund all hold the same large American companies, so holding all three is far less diversified than holding three funds sounds. This tool groups holdings you have described the same way — same asset class, same regions, same sectors — because holdings with the same mandate will own many of the same companies.

Does this look inside my funds?

No, and nothing here claims to. Reading the individual shares inside a fund needs published fund-composition data, which is licensed and not something this tool has. What it does instead is group holdings by the exposure you describe, which answers the practical question — am I buying the same thing twice? — without pretending to know the constituents.

Is my data stored or sent anywhere?

No. Everything on this page is worked out in your browser. Nothing is uploaded, nothing is saved to an account, and there is no sign-up. Close the tab and it is gone.

What is a sector, and where do AI shares go?

A sector is the industry a company operates in — the standard list has eleven, from technology and healthcare to utilities and energy. There is no “AI” sector: artificial intelligence is a theme that spans technology (chipmakers and software) and communications (the large platform companies), so an AI fund normally sits across both. A pharmaceutical company such as a large drugmaker is healthcare. An index fund is spread across sectors, which is an answer in itself rather than a blank.

Does an ISA or a SIPP change what I am invested in?

No. A Stocks and Shares ISA, a SIPP and a general investment account are wrappers: they decide the tax you pay, not the return you get. The investments inside them decide the return. You can hold exactly the same global tracker in all three, and your exposure is identical in each — which is why an allocation worked out by account tells you very little.

How often should I check my allocation?

There is no rule, and this page does not tell you what to do with the answer. Many people look once or twice a year, or when they add a new holding, because that is when the mix can change without anyone deciding it should. WealthR gives general information about how allocation works; it is not financial advice and WealthR Ltd is not authorised by the Financial Conduct Authority.