Indiciel · portefeuille d’exemple

Rien que des ETF.

Six fonds couvrant l’essentiel du monde investissable. Le plus intéressant est ce que le moteur signale comme manquant : les positions au niveau du fonds portent moins de preuves que les actions individuelles, et le score est honnête là-dessus.

Le portefeuille

VOO25%
QQQ20%
VEA15%
VWO10%
BND20%
GLD10%

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.

Les fonds sont traités comme des positions individuelles. Leurs titres sous-jacents et les chevauchements entre fonds ne sont pas analysés ; les chiffres de concentration décrivent la répartition entre fonds, pas la diversification entre émetteurs sous-jacents. Comment fonctionne le score

41.4 / 100

Score de portefeuille

Analyse au niveau des fonds : les positions sous-jacentes ne sont pas analysées

Ce score traite chaque ETF comme une position. Il n’analyse ni les titres détenus par les fonds ni les chevauchements entre fonds. Les chiffres de concentration décrivent la répartition entre fonds, pas la diversification entre émetteurs sous-jacents. Ce manque de détail limite le score et les suggestions.

6 positions résolues · profil de risque Moyen · moteur 2026-03-07-v5

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

Plus grosse position: 25.0% VOO
Positions effectives: 5.4 sur 6 détenues
Bêta pondéré: 0.96 sensibilité au marché
Vous êtes à: 100% investi 0% de liquidités

Scores par composante

Équilibre du risque87
Qualité38
Signal27
Tendance11

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

Quoi regarder en premier

Priorité Poids important dans des positions à signal négatif
35.0% de la valeur investie se trouve dans des positions à signal négatif, au-delà de ce que le profil tolère.
À surveiller Le score pondéré des positions est bas
Le score pondéré par la valeur sur l’ensemble des positions est de -1.15. Le mix s’appuie sur des titres aux lectures faibles.
Priorité Positions importantes aux lectures faibles
QQQ, VEA, GLD pèsent lourd avec des scores de position bas. Ce sont elles qui tirent le plus le score composite vers le bas.

Positions

Ticker	Secteur	Valeur	Poids	Signal	Score	Profil
VOO	—	25,000	25.0%	CONSERVER	0.29	fonds
QQQ	—	20,000	20.0%	VENDRE	-2.32	fonds
BND	—	20,000	20.0%	CONSERVER	-0.96	fonds
VEA	—	15,000	15.0%	VENDRE	-2.29	fonds
VWO	—	10,000	10.0%	CONSERVER	-0.48	fonds
GLD	—	10,000	10.0%	CONSERVER	-1.73	fonds

Limites des preuves :

Données de notation manquantes pour une partie du portefeuille
Données de qualité du dividende manquantes pour une 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.

Obtenir une clé API gratuite Référence de l’API →

Afficher la réponse brute

{
    "ok": true,
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        "score": 41.39999999999999857891452847979962825775146484375,
        "health_score": 41.39999999999999857891452847979962825775146484375,
        "status": "Weak",
        "status_key": "weak",
        "count": 6,
        "weighted_score": -1.149999999999999911182158029987476766109466552734375,
        "max_position_weight": 25,
        "max_position_ticker": "VOO",
        "effective_positions": 5.410000000000000142108547152020037174224853515625,
        "weighted_beta": 0.95999999999999996447286321199499070644378662109375,
        "signal_mix": {
            "buy": 0,
            "hold": 65,
            "sell": 35
        },
        "trend_alignment_pct": 0,
        "trend_negative_pct": 65,
        "weighted_grade_score": null,
        "weighted_dividend_score": 3.8300000000000000710542735760100185871124267578125,
        "top_sector": "Financial Services",
        "top_sector_weight": 100,
        "score_components": {
            "signal": 27,
            "diversification": 55.89999999999999857891452847979962825775146484375,
            "risk": 86.900000000000005684341886080801486968994140625,
            "quality": 38.2999999999999971578290569595992565155029296875,
            "trend": 11,
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        "trajectory": {
            "direction": "deteriorating",
            "confidence": 68.900000000000005684341886080801486968994140625,
            "summary": "Negative signal concentration or weakening trend"
        },
        "context_alignment": {
            "score": 0,
            "coverage_pct": 100,
            "matched_weight_pct": 100,
            "top_sector_view": null
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        "forward_confidence": 95,
        "exposure_plan": {
            "target_invested_pct": 56.89999999999999857891452847979962825775146484375,
            "target_cash_pct": 43.10000000000000142108547152020037174224853515625,
            "min_invested_pct": 45.2999999999999971578290569595992565155029296875,
            "max_invested_pct": 68.400000000000005684341886080801486968994140625,
            "min_cash_pct": 31.60000000000000142108547152020037174224853515625,
            "max_cash_pct": 54.7000000000000028421709430404007434844970703125,
            "base_invested_pct": 72,
            "stance": "defensive",
            "deployment_speed": "gradual",
            "confidence": 71.599999999999994315658113919198513031005859375,
            "market_regime_score": 50,
            "market_regime_code": "",
            "reason_codes": [
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            "components": {
                "market_adjustment": 0,
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                "sell_penalty": 6.75,
                "concentration_penalty": 0
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        },
        "holding_analysis": [
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                "classification_quality": "strong",
                "classification_ambiguous": false,
                "classification_reason_codes": [
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                "factor_evidence_confidence": 0,
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            {
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                "classification_quality": "strong",
                "classification_ambiguous": false,
                "classification_reason_codes": [
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                "factor_evidence_confidence": 0,
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            },
            {
                "ticker": "BND",
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                "sector": "Financial Services",
                "profile": "fund",
                "lens": "allocation",
                "classification_confidence": 95,
                "classification_quality": "strong",
                "classification_ambiguous": false,
                "classification_reason_codes": [
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                "factor_evidence_confidence": 0,
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                "factor_matched_factors": [],
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            },
            {
                "ticker": "VEA",
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                "signal": "SELL",
                "sector": "Financial Services",
                "profile": "fund",
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                "classification_confidence": 95,
                "classification_quality": "strong",
                "classification_ambiguous": false,
                "classification_reason_codes": [
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                "factor_evidence_confidence": 0,
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            {
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                "factor_evidence_confidence": 0,
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        "coverage": {
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            "trend_pct": 100,
            "macro_pct": 100
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        "diagnostics": {
            "risk_level": "medium",
            "risk_profile": {
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            "lens_mix": {
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                "quality": "strong",
                "low_confidence_weight_pct": 0,
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                "low_confidence_tickers": []
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            "factor_evidence": {
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                "missing_weight_pct": 0,
                "aligned_weight_pct": 0,
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            "sector_context": {
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                "top_sector": "Financial Services",
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                "top_sector_detail": null
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            "market_regime": {
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                "weights_pct": {
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                    "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 factor evidence confidence reduces forward-looking reliability"
            ]
        },
        "insights": [
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                "id": "weighted_score",
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                "tone": "risk",
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            {
                "id": "target_invested_pct",
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                "id": "effective_positions",
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                "tone": "warn"
            },
            {
                "id": "largest_position",
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                "tone": "warn"
            },
            {
                "id": "top_sector",
                "value": 100,
                "sector": "Financial Services",
                "tone": "risk"
            },
            {
                "id": "signal_mix",
                "buy": 0,
                "hold": 65,
                "sell": 35,
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            },
            {
                "id": "portfolio_trajectory",
                "value": "deteriorating",
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            {
                "id": "weighted_beta",
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            },
            {
                "id": "macro_alignment",
                "value": 0,
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            },
            {
                "id": "lens_confidence",
                "value": 95,
                "tone": "good"
            }
        ],
        "suggestions": [
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                "code": "increase_diversification",
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            },
            {
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                "code": "lower_sell_exposure",
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            {
                "tone": "risk",
                "code": "hold_higher_cash_buffer",
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                "deployment_speed": "gradual"
            },
            {
                "tone": "warn",
                "code": "lift_quality_score",
                "weighted_score": -1.149999999999999911182158029987476766109466552734375
            },
            {
                "tone": "risk",
                "code": "review_weak_positions",
                "tickers": [
                    "QQQ",
                    "VEA",
                    "GLD"
                ]
            }
        ],
        "portfolio_input": {
            "cash_balance": 0,
            "holdings_value": 100000,
            "total_value": 100000,
            "cash_pct": 0,
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            "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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