Concentration · portefeuille d’exemple

Portefeuille d’exemple inspiré de Berkshire, noté

Panier illustratif publié le 17 septembre 2026. Les pondérations affichées sont des données fixes pour explorer la concentration, pas des positions actuelles vérifiées de Berkshire Hathaway ni le contenu d’une déclaration 13F précise. Une nouvelle notation actualise l’analyse, pas le panier.

Le portefeuille

AAPL40%
AXP15%
BAC12%
KO10%
CVX8%
OXY5%
MCO3%
KHC3%
CB3%
DVA1%

Pondérations comme indiqué, profil de risque Moyen. Renoté automatiquement environ une fois par semaine ; la date et la version du moteur figurent sur le résultat.

74.0 / 100

Score de portefeuille Bon

Solide, avec des points précis à resserrer.

La structure tient. Une ou deux composantes tirent le score vers le bas ; elles sont nommées ci-dessous par ordre de priorité.

Faible Neutre Bon Solide

10 positions résolues · profil de risque Moyen · moteur 2026-03-07-v5 · trajectoire en amélioration (36% de confiance)

Qu’est-ce qu’un bon score ? → Noter mon propre portefeuille

Plus grosse position: 40.0% AAPL · limite 30%
Positions effectives: 4.6 sur 10 détenues · cible 8
Secteur principal: 40.0% Technologie
Bêta pondéré: 0.88 sensibilité au marché
Plan d’exposition: 74% investi 26% de liquidités · équilibrée
Vous êtes à: 100% investi 0% de liquidités

Scores par composante

Diversification80
Équilibre du risque91
Qualité59
Signal96
Tendance59
Contexte de marché0

Une composante affiche « pas de données » quand le moteur manque de preuves pour elle : c’est signalé, pas deviné.

Quoi regarder en premier

Priorité La plus grosse position dépasse la limite du profil
AAPL représente 40.0% de la valeur investie. Le profil de risque Moyen considère 30.0% comme plafond pour une seule position.
À surveiller Moins de positions effectives qu’il n’y paraît
Le dimensionnement des positions donne à ce portefeuille la concentration d’environ 4.6 positions équipondérées, sous la cible du profil.
Priorité Poids important dans des positions à signal négatif
30.0% de la valeur investie se trouve dans des positions à signal négatif, au-delà de ce que le profil tolère.
À surveiller Le plan d’exposition privilégie un coussin de liquidités
Compte tenu des preuves actuelles de signal, de tendance et de concentration, le plan vise environ 73.7% investi et 26.3% de liquidités, déployés à un rythme progressif.
À surveiller Preuves factorielles limitées
Les preuves factorielles manquent pour 100.0% de la valeur investie, ce qui limite le contexte prospectif que le moteur peut soutenir.
À surveiller La confiance prospective est limitée
La confiance de lentille est en moyenne de 46.3%. Considérez les composantes tendance et contexte de marché comme provisoires.

Positions

Ticker	Secteur	Valeur	Poids	Signal	Score	Profil
AAPL	Technologie	40,000	40.0%	ACHETER	6.20	cœur
AXP	Services financiers	15,000	15.0%	VENDRE	-2.00	redressement
BAC	Services financiers	12,000	12.0%	VENDRE	-4.86	redressement
KO	Consommation défensive	10,000	10.0%	ACHETER	5.80	cœur
CVX	Énergie	8,000	8.0%	CONSERVER	0.00	cyclique
OXY	Énergie	5,000	5.0%	ACHETER	2.44	cyclique
MCO	Services financiers	3,000	3.0%	CONSERVER	-1.30	redressement
KHC	Consommation défensive	3,000	3.0%	VENDRE	-2.49	redressement
CB	Services financiers	3,000	3.0%	ACHETER	3.63	cœur
DVA	Santé	1,000	1.0%	CONSERVER	-1.04	défensive

Limites des preuves :

Données de notation manquantes pour une partie du portefeuille
Données de qualité du dividende manquantes pour une partie du portefeuille
Faible confiance dans la classification du type d’action pour une partie du portefeuille
Preuves factorielles propres à la lentille manquantes pour une grande partie du portefeuille
La faible confiance dans les preuves factorielles réduit la fiabilité prospective

POST /evaluate

Chaque chiffre ci-dessus provient d’un seul appel à l’API.

Cette page est le JSON ci-dessous, mis en forme. Construisez la même chose dans un tableau de bord, un outil pour conseillers ou un agent IA. Même moteur sur toutes les offres, cinq évaluations gratuites par mois avec une clé API.

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Afficher la réponse brute

{
    "ok": true,
    "evaluation": {
        "engine_version": "2026-03-07-v5",
        "score": 74,
        "health_score": 74,
        "status": "Good",
        "status_key": "good",
        "count": 10,
        "weighted_score": 2.279999999999999804600747665972448885440826416015625,
        "max_position_weight": 40,
        "max_position_ticker": "AAPL",
        "effective_positions": 4.57000000000000028421709430404007434844970703125,
        "weighted_beta": 0.88000000000000000444089209850062616169452667236328125,
        "signal_mix": {
            "buy": 58,
            "hold": 12,
            "sell": 30
        },
        "trend_alignment_pct": 58,
        "trend_negative_pct": 34,
        "weighted_grade_score": 4.5,
        "weighted_dividend_score": 3.020000000000000017763568394002504646778106689453125,
        "top_sector": "Technology",
        "top_sector_weight": 40,
        "score_components": {
            "signal": 95.7000000000000028421709430404007434844970703125,
            "diversification": 79.5,
            "risk": 91.2999999999999971578290569595992565155029296875,
            "quality": 59.2999999999999971578290569595992565155029296875,
            "trend": 58.60000000000000142108547152020037174224853515625,
            "macro": 0.299999999999999988897769753748434595763683319091796875
        },
        "trajectory": {
            "direction": "improving",
            "confidence": 36.10000000000000142108547152020037174224853515625,
            "summary": "Positive signal and trend balance"
        },
        "context_alignment": {
            "score": 0.299999999999999988897769753748434595763683319091796875,
            "coverage_pct": 100,
            "matched_weight_pct": 100,
            "top_sector_view": null
        },
        "forward_confidence": 46.2999999999999971578290569595992565155029296875,
        "exposure_plan": {
            "target_invested_pct": 73.7000000000000028421709430404007434844970703125,
            "target_cash_pct": 26.300000000000000710542735760100185871124267578125,
            "min_invested_pct": 60.7000000000000028421709430404007434844970703125,
            "max_invested_pct": 86.7000000000000028421709430404007434844970703125,
            "min_cash_pct": 13.300000000000000710542735760100185871124267578125,
            "max_cash_pct": 39.2999999999999971578290569595992565155029296875,
            "base_invested_pct": 72,
            "stance": "balanced",
            "deployment_speed": "gradual",
            "confidence": 55.39999999999999857891452847979962825775146484375,
            "market_regime_score": 50,
            "market_regime_code": "",
            "reason_codes": [
                "positive_signal_balance",
                "negative_trend_pressure",
                "high_sell_weight",
                "concentration_risk",
                "low_forward_confidence"
            ],
            "components": {
                "market_adjustment": 0,
                "signal_adjustment": 12.5600000000000004973799150320701301097869873046875,
                "trend_adjustment": 2.399999999999999911182158029987476766109466552734375,
                "sell_penalty": 4.5,
                "concentration_penalty": 8
            }
        },
        "holding_analysis": [
            {
                "ticker": "AAPL",
                "weight_pct": 40,
                "score": 6.20000000000000017763568394002504646778106689453125,
                "signal": "BUY",
                "sector": "Technology",
                "profile": "core",
                "lens": "core_quality",
                "classification_confidence": 28,
                "classification_quality": "weak",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "fallback_core"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 28
            },
            {
                "ticker": "AXP",
                "weight_pct": 15,
                "score": -2,
                "signal": "SELL",
                "sector": "Financial Services",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "negative_medium_score"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "BAC",
                "weight_pct": 12,
                "score": -4.86000000000000031974423109204508364200592041015625,
                "signal": "SELL",
                "sector": "Financial Services",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "negative_medium_score"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
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                "lens_confidence": 68
            },
            {
                "ticker": "KO",
                "weight_pct": 10,
                "score": 5.79999999999999982236431605997495353221893310546875,
                "signal": "BUY",
                "sector": "Consumer Defensive",
                "profile": "core",
                "lens": "core_quality",
                "classification_confidence": 28,
                "classification_quality": "weak",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "fallback_core"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 28
            },
            {
                "ticker": "CVX",
                "weight_pct": 8,
                "score": 0,
                "signal": "HOLD",
                "sector": "Energy",
                "profile": "cyclical",
                "lens": "macro_cyclical",
                "classification_confidence": 64,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "cyclical_sector"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 64
            },
            {
                "ticker": "OXY",
                "weight_pct": 5,
                "score": 2.439999999999999946709294817992486059665679931640625,
                "signal": "BUY",
                "sector": "Energy",
                "profile": "cyclical",
                "lens": "macro_cyclical",
                "classification_confidence": 64,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "cyclical_sector"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 64
            },
            {
                "ticker": "MCO",
                "weight_pct": 3,
                "score": -1.3000000000000000444089209850062616169452667236328125,
                "signal": "HOLD",
                "sector": "Financial Services",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "negative_medium_score"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "KHC",
                "weight_pct": 3,
                "score": -2.4900000000000002131628207280300557613372802734375,
                "signal": "SELL",
                "sector": "Consumer Defensive",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "negative_medium_score"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "CB",
                "weight_pct": 3,
                "score": 3.62999999999999989341858963598497211933135986328125,
                "signal": "BUY",
                "sector": "Financial Services",
                "profile": "core",
                "lens": "core_quality",
                "classification_confidence": 28,
                "classification_quality": "weak",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "fallback_core"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 28
            },
            {
                "ticker": "DVA",
                "weight_pct": 1,
                "score": -1.04000000000000003552713678800500929355621337890625,
                "signal": "HOLD",
                "sector": "Healthcare",
                "profile": "defensive",
                "lens": "defensive_quality",
                "classification_confidence": 74,
                "classification_quality": "usable",
                "classification_ambiguous": true,
                "classification_reason_codes": [
                    "defensive_sector",
                    "beta_supports_defensive"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 4,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 74
            }
        ],
        "coverage": {
            "beta_pct": 100,
            "grade_pct": 80,
            "dividend_pct": 90,
            "trend_pct": 100,
            "macro_pct": 100
        },
        "diagnostics": {
            "risk_level": "medium",
            "risk_profile": {
                "target_max_weight": 0.299999999999999988897769753748434595763683319091796875,
                "target_sector_weight": 0.40000000000000002220446049250313080847263336181640625,
                "target_sell_weight": 0.200000000000000011102230246251565404236316680908203125,
                "target_effective_positions": 8,
                "beta_band_min": 0.75,
                "beta_band_max": 1.25
            },
            "profile_mix": {
                "core": 53,
                "turnaround": 33,
                "cyclical": 13,
                "defensive": 1
            },
            "lens_mix": {
                "core_quality": 53,
                "recovery": 33,
                "macro_cyclical": 13,
                "defensive_quality": 1
            },
            "classification": {
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                "quality": "weak",
                "low_confidence_weight_pct": 53,
                "ambiguous_weight_pct": 1,
                "weak_count": 3,
                "low_confidence_tickers": [
                    "AAPL",
                    "KO",
                    "CB"
                ]
            },
            "factor_evidence": {
                "avg_confidence": 0,
                "quality": "weak",
                "low_confidence_weight_pct": 100,
                "missing_weight_pct": 100,
                "aligned_weight_pct": 0,
                "avg_lens_confidence": 46.2999999999999971578290569595992565155029296875
            },
            "sector_context": {
                "scores": [],
                "top_sector": "Technology",
                "top_sector_score": null,
                "top_sector_detail": null
            },
            "market_regime": {
                "selected_code": "",
                "mode": "missing",
                "score": null,
                "weights_pct": {
                    "OSL": 0,
                    "US": 0,
                    "GLOBAL": 0
                },
                "selected_regime": null
            },
            "data_gaps": [
                "Missing grade data for part of the portfolio",
                "Missing dividend quality data for part of the portfolio",
                "Weak stock-type classification confidence for part of the portfolio",
                "Missing lens-specific factor evidence for large parts of the portfolio",
                "Weak factor evidence confidence reduces forward-looking reliability"
            ]
        },
        "insights": [
            {
                "id": "weighted_score",
                "value": 2.279999999999999804600747665972448885440826416015625,
                "tone": "good",
                "status_key": "good"
            },
            {
                "id": "target_invested_pct",
                "value": 73.7000000000000028421709430404007434844970703125,
                "cash_pct": 26.300000000000000710542735760100185871124267578125,
                "stance": "balanced",
                "confidence": 55.39999999999999857891452847979962825775146484375,
                "tone": "risk"
            },
            {
                "id": "effective_positions",
                "value": 4.5999999999999996447286321199499070644378662109375,
                "tone": "risk"
            },
            {
                "id": "largest_position",
                "value": 40,
                "ticker": "AAPL",
                "tone": "risk"
            },
            {
                "id": "top_sector",
                "value": 40,
                "sector": "Technology",
                "tone": "warn"
            },
            {
                "id": "signal_mix",
                "buy": 58,
                "hold": 12,
                "sell": 30,
                "tone": "risk"
            },
            {
                "id": "portfolio_trajectory",
                "value": "improving",
                "tone": "good",
                "confidence": 36.10000000000000142108547152020037174224853515625
            },
            {
                "id": "weighted_beta",
                "value": 0.88000000000000000444089209850062616169452667236328125,
                "tone": "good"
            },
            {
                "id": "macro_alignment",
                "value": 0.299999999999999988897769753748434595763683319091796875,
                "tone": "risk"
            },
            {
                "id": "lens_confidence",
                "value": 46.2999999999999971578290569595992565155029296875,
                "tone": "risk"
            }
        ],
        "suggestions": [
            {
                "tone": "risk",
                "code": "reduce_single_position",
                "ticker": "AAPL",
                "weight_pct": 40,
                "target_pct": 30,
                "risk_level": "medium"
            },
            {
                "tone": "warn",
                "code": "increase_diversification",
                "effective_positions": 4.5999999999999996447286321199499070644378662109375
            },
            {
                "tone": "risk",
                "code": "lower_sell_exposure",
                "sell_pct": 30
            },
            {
                "tone": "warn",
                "code": "hold_higher_cash_buffer",
                "cash_pct": 26.300000000000000710542735760100185871124267578125,
                "invested_pct": 73.7000000000000028421709430404007434844970703125,
                "deployment_speed": "gradual"
            },
            {
                "tone": "warn",
                "code": "expand_factor_coverage",
                "missing_weight_pct": 100
            },
            {
                "tone": "warn",
                "code": "lower_forward_confidence",
                "lens_confidence": 46.2999999999999971578290569595992565155029296875
            }
        ],
        "portfolio_input": {
            "cash_balance": 0,
            "holdings_value": 100000,
            "total_value": 100000,
            "cash_pct": 0,
            "invested_pct": 100,
            "missing_tickers": []
        }
    }
}

Les résultats de PORTIQA constituent une analyse quantitative fournie à titre informatif uniquement et ne constituent pas un conseil en investissement. Voir l’avertissement financier.

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