The important key figure for ETF investors is missing:

How is my portfolio strategically divided between stocks and bonds?

Request: Automatic asset class analysis (including ETF classification) with percentage presentation.

The overall dashboard overview in the app is great. What I'm missing on the web is the item “Your Assets” in the overall view. On the web, I don't immediately see what sums are invested in the individual assets.

Are you planning to adjust this?

Money market ETFs such as DBX0AN are increasingly interesting and used as an alternative to overnight money. Accordingly, it would be great to be able to determine for yourself via holding company whether it is a security or, in this case, “cash” (even though, in fact, it remains an ETF).

I would find it helpful if the total is above the first position of an asset class. Or in addition to the previous information, with the up and down arrows, as well as the number of positions. Showing the sum there would be enough.

For example, via “Cash”, the total sum of all positions. Or, via securities, the total sum of all securities.

Simply add up the calculation as if I were simply selecting an asset class.

Brief summary:

I would like the point diversification to be added to the analysis section. Funds, ETFs and individual positions (as a group) should be listed under this heading. From my point of view, you can also list individual stocks, individual bonds, share ETF, bond ETF, mixed ETF as individual points. It is important to recognize your diversification. Under Type, on the other hand, the categories of bonds, stocks, gold, etc. should be listed, regardless of whether the assets belonging to the category are in an ETF or exist as an individual position. In other words, bonds include all bonds, bond ETFs, so that you can see the proportion of bonds in the portfolio.

Long explanation:

Sumit sees a different risk profile for equities and equity ETFs due to the security. But that is not true. The minimization of the risk profile of ETFs comes from diversification. However, this does not change the risk profile of equities. A useful clustering would be as a counterpart for ETF, then individual positions (individual bonds and individual stocks are listed here). Here, the risk is presented in relation to diversification. An ETF that only contains 30 individual stocks (see Gaming ETF) has almost as much risk of crashing as a single share. The greater the spread, the lower the risk. This is how you control your risk/reward ratio.

BUT assets have their own risk profile, depending on their core. Stocks have an equity risk, regardless of whether they are in an ETF or individually. Real estate has an interest rate risk, whether individually or as part of an ETF. Bonds have an interest rate risk, whether as an ETF or as an individual bond. These assets depend on the economic cycles to which they are subject. This means that I know what the ratio of my assets is, I know how my portfolio is likely to behave in certain economic cycles.

This is not the case with an ETF, as the ETF is based on the assets that are inherent in it. In essence, owning an ETF does not give me any knowledge of how it will behave, because in order to do so, I need to know the values contained in the ETF and their diversity.

Ray Dalio offers a simple explanation of how assets behave in economic cycles with his all-weather portfolio. Just in case you want more information about that.

This means that a portfolio tracker only has added value for me as a customer when I use it to recognize which assets I am invested in and how heavily. Only then can I really assess my risk profile.

X-Ray is really nice to know whether I am overweight in a stock due to ETF, but that is really the smallest point for me. I want to know much more how I am weighted in asset classes, since I want to know my risk over economic cycles. This only becomes relevant when we slide out of a boom phase into a real recession and depression. That's when assets other than stocks become interesting again.

Can you enter a sum in the dashboard for securities and cash, as well as the percentage distribution for the individual positions. You can then see the distribution between securities and cash at a glance. (Chart 1)

I would find the option even better if ETFs were listed separately as a block (Figure 2). You then have the distribution between securities and ETF at a glance and the percentage distribution.