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Portfolio Analyser

Enter your stocks and mutual fund holdings. Get a full risk analysis, Sharpe ratio, optimal allocation, and an AI-generated verdict — all instantly and for free.

Analyse My Portfolio →

Requires a free SpendKeep account

Smart Search

Search 10,000+ Indian mutual funds and global stocks by name

Historical Analysis

1 year of real price data fetched automatically — no manual entry

Sharpe Ratio

Nobel Prize-winning metric to measure return per unit of risk

Optimal Weights

Minimum variance portfolio weights suggested automatically

Risk Breakdown

See which holding is contributing the most risk to your portfolio

AI Verdict

Plain-English analysis and actionable recommendation via AI

Understanding the Portfolio Analysis — How It Works

What is Portfolio Analysis?

Portfolio analysis is the process of evaluating a collection of investments to understand its overall risk, return, and diversification. Rather than looking at each stock or mutual fund in isolation, portfolio analysis considers how all assets move together — their correlations — to give you a holistic picture of your financial health.

How to Use This Tool

Step 1: Log in to SpendKeep and navigate to Portfolio Analyser from the sidebar.

Step 2: Use the search box to find your mutual funds (e.g., "HDFC Flexi Cap") or stocks (e.g., "Infosys", "Apple").

Step 3: For mutual funds, choose SIP (enter monthly amount + start date) or Lumpsum (enter invested amount + date). For stocks, enter number of units/shares.

Step 4: Add all your holdings, then click Analyse My Portfolio. The system fetches 1 year of real price data automatically.

Step 5: Review your results — Sharpe Ratio, annualised return, volatility, risk contribution per holding, optimal weights, and your AI verdict.

Understanding the Sharpe Ratio

The Sharpe Ratio measures how much return you earn for each unit of risk taken. A Sharpe Ratio above 1.0 is considered excellent — you are being well-compensated for the risk. Between 0.5 and 1.0 is good. Below 0.5 means you might be taking more risk than your returns justify. A negative Sharpe Ratio means your portfolio is underperforming even a risk-free FD or government bond.

What is the Optimal Weight Suggestion?

Using the Minimum Variance Portfolio technique from Modern Portfolio Theory (MPT), the tool calculates the ideal allocation across your holdings that minimises overall portfolio volatility. The red line on each weight bar shows this suggested weight. If your actual allocation significantly diverges from the optimal, a rebalancing recommendation is flagged.

Risk Contribution Explained

Even if an asset is a small part of your portfolio by value, it could be contributing a disproportionately large share of your total risk — especially if it is highly volatile or correlated with other holdings. The risk contribution percentage tells you exactly which holding is driving your portfolio's volatility so you can make informed decisions.

Are Results Saved?

Yes. Every analysis you run is automatically saved to your account. When you log back in, your last portfolio analysis and AI verdict are loaded instantly without re-running the analysis or consuming API tokens. You can re-analyse at any time to get updated results with the latest market data.

Frequently Asked Questions

Which mutual funds and stocks are supported?

All 10,000+ SEBI-registered Indian mutual funds are supported via MFAPI. For stocks, global markets are supported including NSE, BSE, NYSE, and NASDAQ — essentially any ticker available on Yahoo Finance (e.g., INFY.NS, RELIANCE.NS, AAPL, MSFT).

How accurate is the analysis?

The analysis is based on 1 year of actual daily price/NAV data fetched in real time. The metrics (Sharpe ratio, volatility, returns) are calculated using standard financial formulas used by professional fund managers. However, past performance does not guarantee future results.

What is the difference between SIP and Lumpsum for mutual funds?

SIP (Systematic Investment Plan) means you invest a fixed amount every month. The tool simulates your monthly purchases at historical NAVs from your start date to calculate your total units and current value. Lumpsum means you made a one-time investment on a specific date, and the tool calculates units based on the NAV on that date.

Does the tool look inside a mutual fund's underlying stocks?

No — and this is intentional. Each mutual fund's NAV already reflects the performance of all its internal holdings. Treating the fund as a single asset with its own return and volatility series is the industry-standard approach and avoids double-counting issues if you hold both a fund and its individual stocks.

How often should I re-analyse my portfolio?

We recommend re-running the analysis quarterly or after any significant market movement. Portfolio weights drift over time as different assets grow at different rates, so periodic rebalancing checks are a healthy financial habit.

Is my financial data safe?

Yes. Your portfolio data is stored securely in your private Supabase account with row-level security — no other user can access your data. No actual brokerage account connectivity is involved; you simply enter your holdings manually.