Know what you really own.
A comprehensive, independent assessment of an existing investment portfolio, across ETFs, individual stocks, funds, private investments, property, cash and digital assets.
Discuss Your Portfolio →Portfolios are built over years. Risk is rarely examined all at once.
Investors with significant capital tend to accumulate holdings across multiple accounts, managers and asset classes over time.
Each decision may have made sense when it was taken. But few investors know where the underlying risk is actually concentrated once everything is examined together.
A diversified-looking portfolio can still contain concentrated risk.
A portfolio may contain several ETFs, funds and individual investments and appear highly diversified.
But once the underlying exposures are examined, the same handful of companies, industries, currencies or economic drivers may dominate the portfolio.
Diversification by product does not necessarily mean diversification by risk.
Silver Cross looks beneath the labels to understand what the investor actually owns.
Eleven lenses on one portfolio.
Concentration
Single-name and thematic concentration across the whole portfolio, including through funds.
Sector exposure
True sector weightings, with look-through on funds and ETFs.
Geographic exposure
Where revenue and risk actually sit, not just where a fund is domiciled.
ETF overlap
Hidden duplication across products that each appear diversified.
Valuation
What the market is already pricing in across current holdings.
Business quality
The Silver Cross framework applied to the largest underlying positions.
Currency exposure
Unhedged currency risk across the portfolio as a whole.
Correlation
Where holdings move together more than investors assume.
Downside scenarios
How the portfolio behaves under adverse conditions, across bull, base and bear cases.
Liquidity
What can actually be sold, and how quickly, if needed.
Material vulnerabilities
The small number of exposures most likely to cause lasting damage.
A written report, built around what matters most.
The analysis is delivered as a clear written report and discussed with you directly. It closes with a single page:
“The five things that matter most in your portfolio today.”
Discuss Your Portfolio →The Portfolio Diagnostic is independent investment research and analysis. It is not a personal recommendation to buy or sell any investment. Capital is at risk.