Wealth management and asset management, explained

Industry-first integrated concentration intelligence shows actual underlying holdings and overlaps across funds for Truthifi's platform monitoring $400M+ across 18,000+ institutions

PRINCETON, NJ, UNITED STATES, July 1, 2025 /EINPresswire.com/ -- Truthifi, the world's first investment monitoring app, today announced the launch of Advanced Equity Overlap Analysis, a sophisticated integrated concentration intelligence system that reveals true portfolio composition by analyzing underlying holdings across all funds, ETFs, and investment vehicles. This breakthrough technology provides investors with unprecedented visibility into what they actually own—not just fund labels, but the real stocks, sectors, and geographic exposures that determine portfolio behavior and opportunity.

Advanced Equity Overlap Analysis serves Truthifi's platform, which monitors over $400 million in assets across 18,000+ financial institutions—including accounts at Vanguard, Fidelity, Charles Schwab, Merrill Lynch, Morgan Stanley, TD Ameritrade, E*TRADE, and platforms like Robinhood, Wealthfront, and Betterment—delivering institutional-grade holdings analysis that enables informed decisions about diversification, concentration, and portfolio construction. The platform transforms how investors understand their portfolios by looking through fund wrappers to reveal the actual securities and exposures that drive returns and risk.

"There's tremendous opportunity in truly understanding what you own rather than just assuming your portfolio works the way you think it does," said Scott Blandford, CEO of Truthifi. "Advanced Equity Overlap Analysis gives investors something they've never had before—complete visibility into their actual holdings across all their funds. When you can see that your S&P 500 fund, total market fund, and growth fund all hold significant positions in the same companies, you can make informed choices about whether that concentration serves your goals or whether you'd benefit from different exposures."

Advanced Equity Overlap Analysis delivers comprehensive portfolio intelligence through deep holdings examination across all investment vehicles. The system analyzes underlying securities in mutual funds, ETFs, index funds, and actively managed vehicles, revealing mutual fund holdings and ETF holdings in complete detail. By examining stock overlap across different funds in the portfolio, investors gain clarity about actual stock holdings, sector exposures, geographic concentrations, and market capitalization biases that determine how portfolios respond to market movements. The analysis spans all connected accounts regardless of institution, creating complete visibility into portfolio composition that account-level analysis cannot provide.

The platform reveals portfolio patterns that traditional fund-level portfolio analysis obscures. When investors hold multiple index funds—such as S&P 500, total market, and large-cap growth funds—the stock overlap analysis shows precisely how much exposure exists to individual stocks like Apple, Microsoft, Amazon, and other mega-cap holdings across all funds. The system examines mutual fund holdings and ETF holdings in detail, creating visualization that makes clear whether portfolio construction achieves intended diversification or inadvertently concentrates exposure through overlapping fund selections. Sector concentration becomes visible when multiple funds favor technology, healthcare, or financial stocks, enabling informed assessment of whether those exposures align with investment philosophy and risk tolerance.

Geographic exposure analysis reveals whether portfolios achieve intended international diversification. Funds labeled as "global" or "international" often hold significant US exposure, while "US" funds may have substantial international revenue sources. Advanced Equity Overlap Analysis looks through marketing labels to actual holdings and exposures, helping investors understand their true geographic diversification. The analysis includes breakdown by region, country, and developed versus emerging markets, providing clarity about actual international exposure beyond fund classifications.

"Understanding your true portfolio composition opens up possibilities for better decision-making," Blandford explained. "When you see your actual holdings clearly, you can evaluate whether your portfolio structure serves your goals well or whether adjustments might create better outcomes. Maybe you discover opportunities to reduce redundancy and add exposure to areas you're underweighting. Maybe you realize your current structure works perfectly and you can invest with greater confidence. Either way, you're making decisions based on complete information rather than assumptions about what fund labels mean."

The overlap analysis identifies opportunities for portfolio optimization without prescribing specific actions. The system shows where funds duplicate similar exposures, enabling investors to evaluate whether that redundancy serves strategic purposes or represents inefficiency. Alternative fund suggestions help investors explore different ways to achieve desired market exposure with less overlap. The analysis respects that concentration can be intentional and beneficial while ensuring investors make those choices consciously rather than accidentally through unexamined fund selection.

Diversification scoring provides quantitative assessment of true portfolio diversification based on actual holdings rather than fund counts. Owning five funds doesn't guarantee diversification if all five hold similar stocks—true diversification requires exposure to different securities with varying return characteristics. The scoring methodology examines holdings overlap, correlation patterns, and exposure distribution to quantify actual diversification. Investors gain clarity about whether their portfolio structure provides the diversification they intend or whether adjustments could improve risk-adjusted outcomes.

Visual portfolio mapping makes complex holdings relationships intuitive and accessible. Interactive displays show concentration levels across individual securities, sectors, industries, and geographies through comprehensive portfolio analysis tools. Drill-down capabilities enable exploration from high-level portfolio views to individual fund holdings. The visualization transforms abstract data about thousands of holdings into clear insights about portfolio structure and composition that inform better investment decisions.

Real-time holdings updates ensure analysis reflects current portfolio composition. The system processes fund holdings changes, corporate actions, portfolio rebalancing, and new purchases to maintain accuracy. When fund managers adjust holdings or investors add positions, the overlap analysis updates to reflect current reality. This continuous processing means investors always see current portfolio truth rather than outdated snapshots that may no longer represent actual exposures.

"We're giving investors the clarity that enables genuine portfolio ownership," Blandford noted. "When you truly understand what you hold, you can evaluate whether your investments align with your goals, risk tolerance, and values. That knowledge creates confidence in your investment approach and helps you engage more productively with financial advisors about portfolio strategy. Complete transparency is empowering rather than overwhelming when paired with good tools for making sense of complexity."

Advanced Equity Overlap Analysis addresses the fundamental challenge that modern investing creates through proliferation of similar index products. Investors can easily accumulate overlapping exposures without realizing that seemingly different funds hold substantially similar portfolios. The analysis reveals these patterns, enabling conscious choices about portfolio construction. The tool serves long-term investors building diversified portfolios, active investors managing concentrated positions, retirement savers optimizing 401(k) allocations, and anyone seeking to understand what they actually own beyond fund marketing descriptions.

The platform integrates seamlessly with all Truthifi capabilities including The Truthifi Financial Health Score, The Truthifi Total Cost of Ownership Report, and The Truthifi Financial Health Agent. Overlap analysis connects with fee analysis to show whether redundant funds justify their costs through incremental benefits. Integration with performance tracking reveals whether concentrated positions deliver returns that compensate for reduced diversification. The comprehensive platform enables holistic portfolio understanding rather than isolated insights.

Unlike platforms that focus narrowly on overlap percentages without broader context, Advanced Equity Overlap Analysis provides complete portfolio intelligence that enables informed decision-making. The system shows not just what overlaps but how those overlaps affect overall portfolio characteristics and how current structure aligns with stated investment objectives. This comprehensive approach respects that investors need context and possibilities rather than just data points.

The platform's enterprise-grade infrastructure currently processes data for over $400 million in assets across 18,000+ supported financial institutions, maintaining the comprehensive coverage and analytical depth that enables Advanced Equity Overlap Analysis. The system seamlessly integrates with accounts at major institutions including Vanguard, Fidelity Investments, Charles Schwab, Merrill Lynch, Morgan Stanley, TD Ameritrade, E*TRADE, Interactive Brokers, Goldman Sachs, UBS, Wells Fargo Advisors, JPMorgan Chase, Bank of America, as well as platforms like Robinhood, Wealthfront and Betterment.

Users of Advanced Equity Overlap Analysis report that visibility into true holdings transforms how they think about portfolio construction. "Truthifi has revealed to me substantial stock concentrations in my funds that I was unaware of," said Marco S., a platform user. "Thanks to this, I made more informed financial decisions. I highly recommend it." The insight enables investors to build portfolios intentionally rather than accidentally, aligning actual holdings with intended strategy.

"We're creating tools that respect investors' intelligence and empower their decision-making," concluded Blandford. "Advanced Equity Overlap Analysis represents our belief that transparency creates opportunity rather than anxiety. When investors see their true portfolio composition clearly, they make better choices about diversification, concentration, and overall strategy. That clarity strengthens relationships with advisors, improves investment outcomes, and builds confidence in financial planning. This is transparency that enhances investment success for everyone."

About Truthifi

Truthifi is a cutting-edge financial technology company dedicated to empowering individual investors with innovative tools that simplify portfolio management, enhance financial transparency, and drive smarter investment decisions. Through user-friendly, data-driven solutions, Truthifi is revolutionizing the way investors interact with their wealth. Currently monitoring over $400 million in assets across 18,000+ supported institutions with military-grade security, Truthifi serves investors who want clarity, advisors who want distinction, and an industry that needs trust. The company is headquartered in Princeton, New Jersey.

Connect with Truthifi: LinkedIn: linkedin.com/company/truthifi Website: Truthifi: see what your portfolio is really doing