Index · example portfolio

The three-fund portfolio.

US stocks, international stocks and bonds in a 50/30/20 example. The analysis uses the three fund positions; it does not measure the underlying securities or overlap between funds.

The portfolio

VTI50%
VXUS30%
BND20%

Weights as shown, Low 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

23.1 / 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.

3 holdings resolved · Low risk profile · engine 2026-03-07-v5

What is a good score? → Score your own portfolio

Largest position: 50.0% VTI
Effective positions: 2.6 of 3 held
Weighted beta: 0.99 market sensitivity
You are at: 100% invested 0% cash

Component scores

Risk balance50
Quality42
Signal11
Trend0

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
80.0% 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 -1.94. The mix leans on names with weak readings.

Holdings

Ticker	Sector	Value	Weight	Signal	Score	Profile
VTI	—	50,000	50.0%	SELL	-2.06	fund
VXUS	—	30,000	30.0%	SELL	-2.30	fund
BND	—	20,000	20.0%	HOLD	-1.11	fund

Evidence limits:

Missing grade data for part of the portfolio
Weak factor evidence confidence reduces forward-looking reliability

POST /evaluate

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{
    "ok": true,
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        "status": "Weak",
        "status_key": "weak",
        "count": 3,
        "weighted_score": -1.939999999999999946709294817992486059665679931640625,
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        "signal_mix": {
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        "trend_alignment_pct": 0,
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        "weighted_grade_score": null,
        "weighted_dividend_score": 4.19000000000000039079850466805510222911834716796875,
        "top_sector": "Financial Services",
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            "quality": 41.89999999999999857891452847979962825775146484375,
            "trend": 0,
            "macro": 0
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        "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
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        "forward_confidence": 95,
        "exposure_plan": {
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            "max_cash_pct": 75,
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            "stance": "defensive",
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            "market_regime_code": "",
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                "factor_evidence_confidence": 0,
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                "classification_quality": "strong",
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                "classification_reason_codes": [
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                "factor_evidence_confidence": 0,
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        "coverage": {
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            "grade_pct": 0,
            "dividend_pct": 100,
            "trend_pct": 100,
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        "diagnostics": {
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                "target_sector_weight": 0.299999999999999988897769753748434595763683319091796875,
                "target_sell_weight": 0.1000000000000000055511151231257827021181583404541015625,
                "target_effective_positions": 10,
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            "lens_mix": {
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                "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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            "market_regime": {
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                    "US": 0,
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            {
                "id": "target_invested_pct",
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            {
                "id": "top_sector",
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                "sector": "Financial Services",
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                "hold": 20,
                "sell": 80,
                "tone": "risk"
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                "id": "macro_alignment",
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                "tone": "risk",
                "code": "reduce_single_position",
                "ticker": "VTI",
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                "target_pct": 20,
                "risk_level": "low"
            },
            {
                "tone": "warn",
                "code": "diversify_sector",
                "sector": "Financial Services",
                "weight_pct": 100
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            {
                "tone": "warn",
                "code": "increase_diversification",
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            {
                "tone": "risk",
                "code": "lower_sell_exposure",
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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",
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        ],
        "portfolio_input": {
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            "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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