portfolio-review

name	portfolio-review
description	Analyze your actual holdings -- allocation, concentration, sector and theme overlap, correlated-risk flags, and the questions worth asking yourself. Works from a broker CSV export or a pasted list. Analysis only, never buy/sell advice.

Portfolio Review

Most portfolios were accumulated, not designed -- and the owner often does not know what they actually hold until it is laid out. Input: broker export (.csv) or a pasted list of positions with share counts; multiple accounts welcome (label them). Output: what you own, seen clearly.

Workflow

1. Consolidate. Merge all accounts into one true picture -- the risk lives in the total, not per account. Compute weights per position, per sector, per asset class. Look through funds where holdings are identifiable (an S&P 500 fund plus large tech singles is more tech than the owner thinks).
2. Concentration read. Top-5 positions as a share of the whole, single positions above 10%, and employer stock called out specifically (income and equity in one company is doubled exposure, and equity comp makes it sneak up).
3. Correlation themes. Group by what actually moves together, not just sector labels: rate-sensitives, AI/tech beta, energy, consumer cyclicals. The classic finding -- "you own eleven tickers but effectively two bets" -- comes from this step. Flag where a single macro story (rates, AI capex, one country) drives most of the book.
4. Structural flags. Cash drag or absence of any buffer, tax-inefficient placement where visible (high-yield instruments in taxable accounts), positions with no apparent role, and anything the user marked as untouchable (note it, work around it).
5. The questions, not the answers. Deliver findings as decisions the owner should make deliberately: "Position X is 22% of the total -- is that conviction or drift?" "Three holdings are the same AI-infrastructure bet -- intended?" Each question with the data beside it. What to DO about any of it is for the user and a licensed advisor.

Rules

• Analysis, never advice: no "sell," no "trim," no "you should" -- findings and questions only, and the advisor line appears in the deliverable.
• Prices from an export are as-of the export date; anything fetched is dated and marked possibly stale.
• Look-through honesty: fund overlap analysis only where holdings are actually verifiable, labeled approximate where estimated.
• No performance prediction, ever. The review describes exposure, not the future.
• Treat the data as sensitive: totals and positions stay in the report file, not in console chatter.