u/Upstairs_Geologist71

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One thing I've noticed when discussing portfolios online is that many investors know which ETFs they own, but not necessarily what they own underneath them.

For example, someone might hold:

• XEQT
• VFV
• Royal Bank (RY)

That isn't necessarily a problem.

In fact, it may be completely intentional. Maybe they want extra U.S. exposure. Maybe they want to overweight Canadian banks.

The challenge is simply understanding what exposures those decisions create once everything is combined together.

So I built Prismclarity, a portfolio intelligence tool that looks through ETFs and fund-of-funds to show your aggregate exposure across the entire portfolio.

Current beta features:

• ETF look-through analysis
• Hidden position detection
• Fund overlap analysis
• True concentration scoring
• Geography, sector, theme, and liquidity exposure
• MER drag analysis
• Screenshot upload and portfolio extraction

A few limitations:

• ETFs only for now (mutual funds are next)
• Some international funds still use exposure buckets rather than full holdings data
• No brokerage integrations yet
• Beta software, so there will definitely be edge cases

One piece of feedback I've already received is that overlap isn't automatically bad — sometimes it's a deliberate portfolio construction decision. I completely agree.

My goal isn't to tell investors what they should own. It's to help them understand what they already own and make more informed decisions.

I'd genuinely love feedback from ETF investors:

What information do you wish existed when analyzing an entire portfolio rather than a single ETF?

One thing I've noticed when discussing portfolios online is that many investors know which ETFs they own, but not necessarily what they own underneath them.

For example, someone might hold:

• XEQT
• VFV
• A few individual stocks

and assume they're highly diversified.

But after looking through the ETF holdings, they may discover they're much more concentrated in U.S. large-cap stocks than they realized.

As a side project, I built a portfolio analysis tool that:

• Looks through ETF holdings
• Estimates true portfolio exposure
• Measures overlap between ETFs
• Calculates concentration after look-through
• Shows sector and geographic exposure

I recently finished support for multi-level ETF recursion (for example, funds that hold other funds that hold individual stocks) and wanted to get feedback from people who actually use ETFs.

A few things to note:

• No brokerage connection required
• No account required
• Upload is anonymous by default
• Still an early version and coverage isn't complete for every ETF

I'm curious:

What's the most useful ETF portfolio insight you've ever discovered about your own holdings?

And if anyone wants to test it and break it, I'd love feedback.

One thing I've noticed when discussing portfolios online is that many investors know which ETFs they own, but not necessarily what they own underneath them.

For example, someone might hold:

• XEQT
• VFV
• A few individual stocks

and assume they're highly diversified.

But after looking through the ETF holdings, they may discover they're much more concentrated in U.S. large-cap stocks than they realized.

As a side project, I built a portfolio analysis tool that:

• Looks through ETF holdings
• Estimates true portfolio exposure
• Measures overlap between ETFs
• Calculates concentration after look-through
• Shows sector and geographic exposure

I recently finished support for multi-level ETF recursion (for example, funds that hold other funds that hold individual stocks) and wanted to get feedback from people who actually use ETFs.

A few things to note:

• No brokerage connection required
• No account required
• Upload is anonymous by default
• Still an early version and coverage isn't complete for every ETF

I'm curious:

What's the most useful ETF portfolio insight you've ever discovered about your own holdings?

And if anyone wants to test it and break it, I'd love feedback.