Before you begin
HoldingsCheck is designed to help you understand and visualize your portfolio. Please read and acknowledge the following before proceeding:
- This tool provides educational analysis only and does not constitute investment advice
- Benchmark ranges shown are based on commonly cited industry frameworks, not personalized recommendations
- Overlap alerts are informational — they describe fund composition, not what you should do
- All data you enter stays entirely within your browser and is never transmitted or stored
- Always consult a qualified, licensed financial professional before making investment decisions
Your Investor Profile
Used to compare your portfolio against common age-based benchmark frameworks
Age Range
Risk Tolerance
Your Holdings
Enter each position — ticker symbol and current market value in dollars
Ticker / Fund Name
Current Value ($)
Monthly Contribution Amount (optional)
Used to generate contribution guidance
Portfolio Health Score
Overall Portfolio Health
Scored across diversification, benchmark alignment, overlap, and risk — for educational context only
Plain English Summary
What your portfolio actually looks like
A plain-language description of your current allocation — share this with a partner, friend, or advisor to start a conversation
Portfolio Building Blocks
What's present, partial, or absent in your portfolio
The major asset class categories a broadly diversified portfolio might include — shown for educational awareness only
Holdings Breakdown
Your Portfolio
| Holding | Value | Current % | Benchmark Status |
|---|
Benchmark Comparison
How your allocation compares to common frameworks
Based on Vanguard target-date fund glide paths and widely cited age-based allocation models — for context only, not a recommendation
Overlap Alerts
Potential fund redundancy detected
These pairs share significant underlying holdings — this is informational, not a directive to sell or change anything
Educational Context
Asset classes you may want to learn more about
Based on what's absent or underrepresented in your current portfolio — for educational awareness only
Contribution Framing
One way to think about directing future contributions
This illustrates how contributions could be directed to move toward benchmark ranges over time. This is not a recommendation — consult a financial professional before making changes.
| Holding | Suggested Monthly $ | Context |
|---|