Index · example portfolio

Nothing but ETFs.

Six funds covering most of the investable world. The interesting part is what the engine reports as missing: fund-level holdings carry less evidence than single stocks, and the score is honest about that.

The portfolio

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

Weights as shown, Medium risk profile. Re-scored automatically about once a week; the date and engine version are on the result.

Funds are treated as individual positions. Underlying holdings and overlap between funds are not analysed; concentration figures describe fund allocations, not diversification across underlying issuers. How the score works

41.4 / 100

Portfolio score

Fund-level analysis: underlying holdings are not analysed

This score treats each ETF as one position. It does not analyse the securities inside the funds or overlap between funds. Concentration figures describe the allocation between funds, not diversification across underlying issuers. The score and suggestions are limited by this missing detail.

6 holdings resolved · Medium risk profile · engine 2026-03-07-v5

What is a good score? → Score your own portfolio

Largest position: 25.0% VOO
Effective positions: 5.4 of 6 held
Weighted beta: 0.96 market sensitivity
You are at: 100% invested 0% cash

Component scores

Risk balance87
Quality38
Signal27
Trend11

A component is “no data” when the engine lacks evidence for it, which is reported rather than guessed.

What to look at first

Priority Material weight in negative-signal holdings
35.0% of invested value sits in holdings with a negative signal reading, above what the profile tolerates.
Watch Weighted holding score is low
The value-weighted score across holdings is -1.15. The mix leans on names with weak readings.
Priority Sizeable positions with weak readings
QQQ, VEA, GLD carry material weight and low holding scores. They are the largest drag on the composite.

Holdings

Ticker	Sector	Value	Weight	Signal	Score	Profile
VOO	—	25,000	25.0%	HOLD	0.29	fund
QQQ	—	20,000	20.0%	SELL	-2.32	fund
BND	—	20,000	20.0%	HOLD	-0.96	fund
VEA	—	15,000	15.0%	SELL	-2.29	fund
VWO	—	10,000	10.0%	HOLD	-0.48	fund
GLD	—	10,000	10.0%	HOLD	-1.73	fund

Evidence limits:

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

POST /evaluate

Every number above came from one API call.

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{
    "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": {
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            "hold": 65,
            "sell": 35
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        "trend_alignment_pct": 0,
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        "weighted_grade_score": null,
        "weighted_dividend_score": 3.8300000000000000710542735760100185871124267578125,
        "top_sector": "Financial Services",
        "top_sector_weight": 100,
        "score_components": {
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            "quality": 38.2999999999999971578290569595992565155029296875,
            "trend": 11,
            "macro": 0
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        "trajectory": {
            "direction": "deteriorating",
            "confidence": 68.900000000000005684341886080801486968994140625,
            "summary": "Negative signal concentration or weakening trend"
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        "context_alignment": {
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            "coverage_pct": 100,
            "matched_weight_pct": 100,
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        "forward_confidence": 95,
        "exposure_plan": {
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            "max_cash_pct": 54.7000000000000028421709430404007434844970703125,
            "base_invested_pct": 72,
            "stance": "defensive",
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            "market_regime_score": 50,
            "market_regime_code": "",
            "reason_codes": [
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                "concentration_penalty": 0
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        "holding_analysis": [
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                "classification_quality": "strong",
                "classification_ambiguous": false,
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                "factor_evidence_confidence": 0,
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            {
                "ticker": "QQQ",
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                "signal": "SELL",
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                "classification_quality": "strong",
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                "factor_evidence_confidence": 0,
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            },
            {
                "ticker": "BND",
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                "signal": "HOLD",
                "sector": "Financial Services",
                "profile": "fund",
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                "classification_quality": "strong",
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                "factor_evidence_confidence": 0,
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            {
                "ticker": "VEA",
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                "sector": "Financial Services",
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                "classification_quality": "strong",
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                "factor_evidence_confidence": 0,
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                "lens_confidence": 95
            },
            {
                "ticker": "VWO",
                "weight_pct": 10,
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                "signal": "HOLD",
                "sector": "Financial Services",
                "profile": "fund",
                "lens": "allocation",
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                "classification_quality": "strong",
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                "factor_evidence_confidence": 0,
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                "factor_matched_factors": [],
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            {
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        "coverage": {
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            "dividend_pct": 83.2999999999999971578290569595992565155029296875,
            "trend_pct": 100,
            "macro_pct": 100
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        "diagnostics": {
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            "risk_profile": {
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                "target_sell_weight": 0.200000000000000011102230246251565404236316680908203125,
                "target_effective_positions": 8,
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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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                "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",
                "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 factor evidence confidence reduces forward-looking reliability"
            ]
        },
        "insights": [
            {
                "id": "weighted_score",
                "value": -1.149999999999999911182158029987476766109466552734375,
                "tone": "risk",
                "status_key": "weak"
            },
            {
                "id": "target_invested_pct",
                "value": 56.89999999999999857891452847979962825775146484375,
                "cash_pct": 43.10000000000000142108547152020037174224853515625,
                "stance": "defensive",
                "confidence": 71.599999999999994315658113919198513031005859375,
                "tone": "warn"
            },
            {
                "id": "effective_positions",
                "value": 5.4000000000000003552713678800500929355621337890625,
                "tone": "warn"
            },
            {
                "id": "largest_position",
                "value": 25,
                "ticker": "VOO",
                "tone": "warn"
            },
            {
                "id": "top_sector",
                "value": 100,
                "sector": "Financial Services",
                "tone": "risk"
            },
            {
                "id": "signal_mix",
                "buy": 0,
                "hold": 65,
                "sell": 35,
                "tone": "risk"
            },
            {
                "id": "portfolio_trajectory",
                "value": "deteriorating",
                "tone": "risk",
                "confidence": 68.900000000000005684341886080801486968994140625
            },
            {
                "id": "weighted_beta",
                "value": 0.95999999999999996447286321199499070644378662109375,
                "tone": "good"
            },
            {
                "id": "macro_alignment",
                "value": 0,
                "tone": "risk"
            },
            {
                "id": "lens_confidence",
                "value": 95,
                "tone": "good"
            }
        ],
        "suggestions": [
            {
                "tone": "warn",
                "code": "diversify_sector",
                "sector": "Financial Services",
                "weight_pct": 100
            },
            {
                "tone": "warn",
                "code": "increase_diversification",
                "effective_positions": 5.4000000000000003552713678800500929355621337890625
            },
            {
                "tone": "risk",
                "code": "lower_sell_exposure",
                "sell_pct": 35
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            {
                "tone": "risk",
                "code": "hold_higher_cash_buffer",
                "cash_pct": 43.10000000000000142108547152020037174224853515625,
                "invested_pct": 56.89999999999999857891452847979962825775146484375,
                "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,
            "invested_pct": 100,
            "missing_tickers": []
        }
    }
}

PORTIQA outputs are quantitative analysis for informational purposes only and do not constitute investment advice. See the financial disclaimer.

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Concentration · 7 holdings

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Fund-level analysis: underlying holdings are not analysed

Component scores

What to look at first

Holdings

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