Insightfolio
Insightfolio · Leaning · Business
Insightfolio is an AI portfolio analysis tool that turns your holdings into a plain-language report on risk, diversification, costs, and hidden overlaps between funds.
About Insightfolio
What Is Insightfolio
Insightfolio is a web app built in Berlin that reads a list of stocks, ETFs, and funds and explains what the mix actually means. You enter your holdings and their weights, or connect a broker account, and it produces a portfolio report covering risk, diversification, sector and regional exposure, fees, past performance against benchmarks, and a Monte Carlo simulation of future outcomes. Every section carries a written explanation in everyday language, so you can follow the argument without reading the charts.
The gap it targets sits between what a broker app shows and what a portfolio really contains. A broker lists positions. It rarely tells you that two ETFs hold the same forty companies, that a quarter of your money rides on one sector, or that fund fees quietly take a slice of the return. Insightfolio looks through each fund to its underlying holdings and reports that overlap in plain numbers.
Two limits shape when it fits. Coverage stops at stocks, ETFs, and mutual funds listed in the US, UK, Germany, France, Canada, and Mexico, and crypto and derivatives are not supported. The output is also educational by design: the company says outright that it doesn't give financial advice, so read the report as a second opinion on your own thinking rather than an instruction to trade.
Getting Started
- Create an account at insightfol.io. Your first report is free and no card is needed.
- Add holdings by searching for each stock, ETF, or fund, then enter its weight as a percentage or a currency amount. Connect a broker or upload a CSV if you would rather skip the typing.
- Run the report. Generation takes about two minutes and returns the risk, exposure, cost, and projection sections with written commentary.
- Read the summary first, then open the sections that match your question. Concentration, fund overlap, and fee findings tend to matter most.
- Switch on Portfolio Pulse if you want ongoing portfolio monitoring, with daily checks and drift alerts against your target weights.
Product Information
A quick look at Insightfolio's pricing, supported platforms, and performance.
Best for
The users, tasks, and scenarios where this tool fits best.
Users
- ETF investors holding three to ten funds
- First-time investors who own a portfolio but not the vocabulary
- Independent financial advisors
Tasks
- Checking ETF overlap before adding a new fund
- Running a portfolio risk analysis before raising your equity weight
- Getting a second opinion ahead of an advisor meeting
- Reviewing drift after a strong year
Scenarios
- An annual portfolio review
- Planning a long horizon
- Auditing a portfolio you inherited or copied from a friend
Key features
A Full Portfolio Report in About Two Minutes
You enter holdings and weights, and the engine returns a written analysis instead of a data dump. The report covers investor type suitability, past performance against benchmarks, asset class and sector splits, market cap distribution, dividend income, costs, and an efficient frontier chart. Each block closes with a short explanation of what the numbers imply for someone holding this mix.
Look-Through Analysis of Funds
Most portfolio tools stop at the ticker. Insightfolio opens ETFs and mutual funds to the securities inside them, then aggregates everything at the holding level. That is how it surfaces an ETF overlap you would otherwise miss, such as two global funds that both lean on the same handful of megacap stocks. The company puts coverage at more than 76,000 assets.
Risk, Diversification, and Cost Scoring
The report scores diversification and profiles the portfolio's risk, then compares your allocation with common benchmarks. A cost section adds up fund fees and shows what they take out over time. For a long-term holder, that fee line often lands harder than any performance chart, because it's the one number you can change today.
Monte Carlo Projections and Efficient Frontier
Future performance is projected through a Monte Carlo simulation that runs thousands of scenarios from your current allocation, so you see a spread of outcomes rather than a single forecast. The efficient frontier chart places your portfolio against alternative risk and return combinations. The company is explicit that historical data drives these projections and that they illustrate possibilities, not guarantees.
Portfolio Pulse Monitoring
Pulse turns a one-off report into ongoing portfolio monitoring. It pulls market close data daily, compares each position with your target weight, and sends drift alerts when something moves past your threshold. A 100-point health score summarizes the state of the portfolio, and a scheduled email digest lands at the cadence you pick. Logging a trade updates the dashboard immediately.
MCP Access Inside Claude and ChatGPT
Insightfolio runs a remote MCP server at insightfol.io/mcp. Add it in Claude as a remote server, or in ChatGPT through developer mode plugins, then connect your account. From there you can ask an assistant to list your reports, pull a summary, check report status, or start a new one without leaving the chat. Account linking happens in the browser, and login codes are never typed into the conversation.
Pros and cons
Pros
- The report explains itself. Every section ends with a plain-language read of the numbers, which is the part most portfolio tools leave out.
- Look-through holdings catch fund overlap that position-level views hide, and that overlap is often the largest unintended bet in a simple ETF portfolio.
- Entry cost is low. The first report is free with no card, and Pulse starts at $6.99 per month after a 14-day trial.
- Drift alerts arrive by email on your schedule, so rebalancing decisions come from a signal rather than a hunch.
- The MCP endpoint lets you query your own reports from Claude or ChatGPT, which saves exporting anything.
Cons
- Crypto and derivatives are unsupported, and coverage ends at six markets. A portfolio with coins, options, or emerging market listings will be only partly visible.
- It doesn't execute trades, handle tax, or give advice, so it sits beside your broker rather than replacing it.
- Monthly report allowances are tight on the cheap plans. Pulse includes five reports, Pro includes fifteen, and extra packs cost $9.99 for three or $24.99 for ten.
- Accuracy depends on the weights you enter. A rough guess at position sizes produces a confident-looking report built on shaky inputs.
Frequently asked questions
It analyzes an investment portfolio and explains risk, diversification, costs, and exposure in plain language. People use it to check what their ETFs actually hold, to see whether their allocation matches their risk tolerance, and to project a range of future outcomes.
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