Indiciel · portefeuille d’exemple

Le portefeuille à trois fonds.

Actions américaines, actions internationales et obligations dans un exemple 50/30/20. L’analyse utilise les trois positions en fonds ; elle ne mesure ni les titres sous-jacents ni les chevauchements entre fonds.

Le portefeuille

VTI50%
VXUS30%
BND20%

Pondérations comme indiqué, profil de risque Faible. 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

23.1 / 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.

3 positions résolues · profil de risque Faible · moteur 2026-03-07-v5

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

Plus grosse position: 50.0% VTI
Positions effectives: 2.6 sur 3 détenues
Bêta pondéré: 0.99 sensibilité au marché
Vous êtes à: 100% investi 0% de liquidités

Scores par composante

Équilibre du risque50
Qualité42
Signal11
Tendance0

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
80.0% 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 -1.94. Le mix s’appuie sur des titres aux lectures faibles.

Positions

Ticker	Secteur	Valeur	Poids	Signal	Score	Profil
VTI	—	50,000	50.0%	VENDRE	-2.06	fonds
VXUS	—	30,000	30.0%	VENDRE	-2.30	fonds
BND	—	20,000	20.0%	CONSERVER	-1.11	fonds

Limites des preuves :

Données de notation 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,
    "evaluation": {
        "engine_version": "2026-03-07-v5",
        "score": 23.10000000000000142108547152020037174224853515625,
        "health_score": 23.10000000000000142108547152020037174224853515625,
        "status": "Weak",
        "status_key": "weak",
        "count": 3,
        "weighted_score": -1.939999999999999946709294817992486059665679931640625,
        "max_position_weight": 50,
        "max_position_ticker": "VTI",
        "effective_positions": 2.62999999999999989341858963598497211933135986328125,
        "weighted_beta": 0.9899999999999999911182158029987476766109466552734375,
        "signal_mix": {
            "buy": 0,
            "hold": 20,
            "sell": 80
        },
        "trend_alignment_pct": 0,
        "trend_negative_pct": 100,
        "weighted_grade_score": null,
        "weighted_dividend_score": 4.19000000000000039079850466805510222911834716796875,
        "top_sector": "Financial Services",
        "top_sector_weight": 100,
        "score_components": {
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            "diversification": 25.89999999999999857891452847979962825775146484375,
            "risk": 50,
            "quality": 41.89999999999999857891452847979962825775146484375,
            "trend": 0,
            "macro": 0
        },
        "trajectory": {
            "direction": "deteriorating",
            "confidence": 100,
            "summary": "Negative signal concentration or weakening trend"
        },
        "context_alignment": {
            "score": 0,
            "coverage_pct": 100,
            "matched_weight_pct": 100,
            "top_sector_view": null
        },
        "forward_confidence": 95,
        "exposure_plan": {
            "target_invested_pct": 25,
            "target_cash_pct": 75,
            "min_invested_pct": 25,
            "max_invested_pct": 37,
            "min_cash_pct": 63,
            "max_cash_pct": 75,
            "base_invested_pct": 55,
            "stance": "defensive",
            "deployment_speed": "gradual",
            "confidence": 67,
            "market_regime_score": 50,
            "market_regime_code": "",
            "reason_codes": [
                "negative_signal_balance",
                "negative_trend_pressure",
                "high_sell_weight",
                "concentration_risk",
                "strong_forward_confidence"
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            "components": {
                "market_adjustment": 0,
                "signal_adjustment": -10.67999999999999971578290569595992565155029296875,
                "trend_adjustment": -10,
                "sell_penalty": 16,
                "concentration_penalty": 18
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        },
        "holding_analysis": [
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                "sector": "Financial Services",
                "profile": "fund",
                "lens": "allocation",
                "classification_confidence": 95,
                "classification_quality": "strong",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "is_fund"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 0,
                "factor_has_sufficient_evidence": true,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 95
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            {
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                "signal": "SELL",
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                "classification_confidence": 95,
                "classification_quality": "strong",
                "classification_ambiguous": false,
                "classification_reason_codes": [
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                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
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                "factor_has_sufficient_evidence": true,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 95
            },
            {
                "ticker": "BND",
                "weight_pct": 20,
                "score": -1.1100000000000000976996261670137755572795867919921875,
                "signal": "HOLD",
                "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,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 0,
                "factor_has_sufficient_evidence": true,
                "factor_matched_factors": [],
                "top_factor": null,
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        ],
        "coverage": {
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            "grade_pct": 0,
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        },
        "diagnostics": {
            "risk_level": "low",
            "risk_profile": {
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                "target_sector_weight": 0.299999999999999988897769753748434595763683319091796875,
                "target_sell_weight": 0.1000000000000000055511151231257827021181583404541015625,
                "target_effective_positions": 10,
                "beta_band_min": 0.59999999999999997779553950749686919152736663818359375,
                "beta_band_max": 1
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            "profile_mix": {
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            "lens_mix": {
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            "classification": {
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                "quality": "strong",
                "low_confidence_weight_pct": 0,
                "ambiguous_weight_pct": 0,
                "weak_count": 0,
                "low_confidence_tickers": []
            },
            "factor_evidence": {
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                "low_confidence_weight_pct": 100,
                "missing_weight_pct": 0,
                "aligned_weight_pct": 0,
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            },
            "sector_context": {
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                "top_sector": "Financial Services",
                "top_sector_score": null,
                "top_sector_detail": null
            },
            "market_regime": {
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                "mode": "missing",
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                "weights_pct": {
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            "data_gaps": [
                "Missing grade data for part of the portfolio",
                "Weak factor evidence confidence reduces forward-looking reliability"
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            },
            {
                "id": "target_invested_pct",
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                "cash_pct": 75,
                "stance": "defensive",
                "confidence": 67,
                "tone": "warn"
            },
            {
                "id": "effective_positions",
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            },
            {
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            },
            {
                "id": "top_sector",
                "value": 100,
                "sector": "Financial Services",
                "tone": "risk"
            },
            {
                "id": "signal_mix",
                "buy": 0,
                "hold": 20,
                "sell": 80,
                "tone": "risk"
            },
            {
                "id": "portfolio_trajectory",
                "value": "deteriorating",
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                "confidence": 100
            },
            {
                "id": "weighted_beta",
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            {
                "id": "macro_alignment",
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            },
            {
                "id": "lens_confidence",
                "value": 95,
                "tone": "good"
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        ],
        "suggestions": [
            {
                "tone": "risk",
                "code": "reduce_single_position",
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                "weight_pct": 50,
                "target_pct": 20,
                "risk_level": "low"
            },
            {
                "tone": "warn",
                "code": "diversify_sector",
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            },
            {
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            {
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            {
                "tone": "risk",
                "code": "hold_higher_cash_buffer",
                "cash_pct": 75,
                "invested_pct": 25,
                "deployment_speed": "gradual"
            },
            {
                "tone": "warn",
                "code": "lift_quality_score",
                "weighted_score": -1.939999999999999946709294817992486059665679931640625
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        ],
        "portfolio_input": {
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            "holdings_value": 100000,
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            "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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