Portfolio Tools

Portfolio Review Center

Investment Education, Research & Tools for Smarter Decisions.

Enter your holdings or import a CSV file to see dimension-level diagnostics across allocation, concentration, fees, drift, and risk contribution. No single portfolio score, no broker connection, and nothing leaves your browser.

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By Swoopr Editorial Team

Published · Updated

AI-assisted content · Swoopr Investment is responsible for the final published article.

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Direct Answer

The Swoopr Portfolio Review Center is a free educational tool that reviews a portfolio you enter manually or import from a CSV file across 12 independent dimensions, allocation, concentration, correlation exposure, fees, risk contribution, and more, and reports each one as Normal, Review, or High concentration/high uncertainty rather than one combined score. Everything runs in your browser: nothing you enter is uploaded, stored on a server, or connected to a brokerage account.

Review Your Holdings

All inputs stay in your browser; nothing is sent to any server. Do not enter real account numbers, broker credentials, or API keys, they are not needed for this tool.

Educational tool, for your own review only. Not personalized investment, financial, tax, or legal advice, and not a recommendation to buy, sell, or hold any security. No single dimension result predicts returns.

How the review works

The review computes 12 dimensions from the holdings you enter. Each dimension is graded independently against a disclosed Swoopr threshold or, where the underlying calculation is shared with another Swoopr tool, the same methodology that tool uses:

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  1. Allocation by asset class: a breakdown of value by the asset class you assign per holding.
  2. Sector / industry concentration: a Herfindahl-Hirschman Index (HHI) over sector weights, only when sector is entered.
  3. Single-position concentration: largest position weight and HHI, always computable.
  4. Factor / style concentration: not computed, this tool has no factor-loading dataset to attach to a ticker list.
  5. Correlation clusters (proxy): largest sector or asset-class grouping, explicitly a proxy, not a statistically estimated correlation matrix. See the Covariance Sensitivity Tool for real correlation modeling.
  6. Realized / unrealized performance: market value minus entered cost basis, only for holdings with a cost basis entered.
  7. Drawdown and volatility: not computed, a holdings snapshot has no historical return series. See the Drawdown Distribution Explorer and Sharpe Ratio & Volatility Calculator.
  8. Contribution to portfolio risk: uses the same marginal-risk-contribution methodology as the Risk Budget Allocation Tool, only when annualized volatility is entered for every holding.
  9. Fee / expense drag: asset-weighted expense ratio and estimated annual dollar cost, computed only over holdings with an expense ratio entered.
  10. Income concentration: each holding's share of total entered income versus its capital weight, only when income is entered.
  11. Tax-location education flags: generic, non-personalized notes triggered by account type plus asset class combinations, never a specific buy/sell action.
  12. Rebalancing drift: uses the same arithmetic as the Portfolio Rebalancing Calculator, only when every holding has a target weight summing to 100%.

Every dimension's own "Assumption" text states the exact threshold or data requirement behind its Normal/Review/High/Data needed label. There is deliberately no step that combines these into one portfolio score, a single number would hide which specific tradeoff is driving the result.

Assumptions and limitations

Frequently asked questions

What is the Portfolio Review Center?

The Portfolio Review Center is a free tool that reviews a portfolio you enter manually or import from a CSV file across twelve independent dimensions, including allocation, concentration, correlation exposure, fees, and rebalancing drift. Each dimension is reported on its own as Normal, Review, High concentration/high uncertainty, or Data needed. It never combines those findings into a single portfolio score.

Does the Portfolio Review Center connect to my brokerage account?

No. This tool never connects to a broker or exchange account. You enter holdings manually or import them from a CSV file you create or export from another source. No broker connection is required or offered.

Is my portfolio data uploaded anywhere?

No. CSV files are parsed entirely in your browser and holdings are saved only to your browser's local storage, not to any Swoopr server or third party. Clearing your browser data deletes them, so export a summary if you want to keep it.

Why is there no single portfolio score?

A single score would compress twelve different, sometimes conflicting dimensions into one number, hiding the tradeoffs and implying a precision the underlying data does not support. This tool reports each dimension separately, with the assumption or threshold behind it stated explicitly, so you can judge which findings actually matter for your situation.

What do 'Normal', 'Review', and 'High concentration / high uncertainty' mean?

Each label reflects a disclosed Swoopr diagnostic threshold for that dimension, shown in the dimension's own "Assumption" text. Normal means the measured value is below that threshold; Review and High concentration / high uncertainty mean it has crossed a progressively higher one. A fourth label, Data needed, appears when a dimension cannot be computed because the relevant optional field was not entered. None of the labels are a recommendation to buy, sell, or hold anything.

What does the review need as input?

A holdings list with enough detail to classify each position and weight it: an identifier, the amount held or its value, and ideally the asset class. Entries can be typed in or imported from a file. The quality of the output is bounded by the completeness of that list, so a review run on part of a portfolio describes that part rather than the whole, and concentration or correlation findings drawn from it can be misleading.

How does the review treat a holding it cannot classify?

It reports the gap rather than assigning a guess, in the same way the site's screeners report insufficient data. A position with no recognized identifier or asset class cannot contribute to an allocation or correlation dimension, so those dimensions describe only the classified portion. Noting how much of the portfolio was classified alongside the results is what keeps a partial review from being read as a complete one.

How often is a portfolio review useful?

On a cadence slow enough that the findings reflect structural change rather than price movement. Allocation and concentration drift meaningfully over quarters, not days, and running the review after every market move produces alarm rather than information. A review is also worth running after a deliberate change: a new large position, a contribution, or a decision to alter targets, since those are the events that actually shift what the review measures.

Does the review account for holdings in other accounts?

Only those entered. Concentration, correlation and allocation are properties of the combined household portfolio, so a review of one account can show a well-diversified picture while the household is concentrated, or the reverse. Entering every account's holdings as one list is what makes those dimensions meaningful, at the cost of losing the per-account view that matters for execution and tax decisions.

Related Tools and Guides

References