Start with what you actually own
List every holding across every account: funds, ETFs, shares, cash. Then look through the funds to the companies inside them. The fund names are a starting point, not the full picture.
Things a review can look at
Each of these describes your portfolio. None of them, on its own, says what to do.
- Overlap: companies that appear in more than one holding
- Concentration: how much a few companies drive the result
- Sectors and regions: where the shares part of your portfolio sits
- Costs: each fund's ongoing charge in pounds a year, and what is not included
- Currency: how much is priced in other currencies
- Past movements: how a portfolio like yours behaved in earlier falls, which is history and not a forecast
What a tool can and cannot do
A tool like Ownsight can show the first list quickly and in plain English. It cannot know your goals, your timescale, your tax position or how much risk you can afford to take, so it cannot tell you whether your portfolio suits you.
That judgement is personal. A regulated financial adviser can give personal advice. MoneyHelper (moneyhelper.org.uk) can help you find one, and the FCA register (register.fca.org.uk) shows whether a firm is authorised.
About the numbers Ownsight shows
Ownsight is in private preview. Fund holdings come from a demo dataset of each fund's largest holdings, so company-level totals cover the part we have data for, and the results say how much that is. Past movements are history, not a forecast, and the research page explains how each model was tested and where it falls short.
Questions
- How often should a portfolio be reviewed?
- That is a personal matter that depends on your circumstances, and Ownsight does not advise on it.
- Does Ownsight review my portfolio for me?
- It describes what you hold: companies, overlap, concentration, sectors, regions, charges and past movements. It does not give personal advice.
- Do I need an account to run a check?
- No. You can add your holdings and see the results without one. An account is only needed to save holdings and come back to them.
Try it on your own holdings
Add what you hold and see the companies, overlap, concentration and charges behind it. Ownsight never connects to your broker or bank.
Run a portfolio check