See your total portfolio risk. Across every account. See total portfolio risk across every account

In short, Guardfolio is portfolio risk monitoring software for self-directed investors. It aggregates holdings across accounts, highlights concentration, ETF overlap, and allocation drift, and sends sync-based alerts on paid plans. US stocks, ETFs, mutual funds, and retirement-account holdings are supported, with crypto tracking on Guardian Elite.

In short, Guardfolio rolls up positions and ETF look-through exposure so you can see true weights by sector and security. It flags overlap between ETFs and stocks and highlights when correlated holdings move together, even when the portfolio looks diversified on the surface.

In short, after you connect accounts read-only, Guardfolio checks your portfolio against risk metrics you care about after each sync. You get email and Telegram alerts when drift, concentration, or stress indicators cross practical thresholds.

In short, Guardfolio offers a 7-day Guardian Pro trial with no credit card required. The trial includes full portfolio monitoring and risk features, and it ends automatically unless you choose to subscribe.

In short, 30+ brokers and exchanges including Schwab, Fidelity, Vanguard, Robinhood, E*TRADE, TD Ameritrade, IBKR, and more via secure Plaid and SnapTrade connections.

The key difference is breadth: stocks, ETFs, and mutual funds listed on 39+ exchanges across 30 countries, including the US, Canada, UK, Germany, and India. See the full list at supported exchanges.

In short, yes. Bank-level AES-256 encryption with read-only connections. Guardfolio cannot execute trades or access your money. Connections use Plaid and SnapTrade infrastructure.

In short, Guardian Pro is $29.99/month or $20.99/month when billed annually. New users receive a 7-day trial with no credit card required.

In short, annual billing saves about 30% on Guardian Pro. Introductory pricing may be available at checkout for a limited time. If your offer includes an extra discount, enter code EARLYBIRD in the promo field when you subscribe.

Yes! Supports 401k, IRA, Roth IRA, SEP IRA, and employer plans from Fidelity, Vanguard, Schwab, and more.

Guardian Pro supports stocks, ETFs, and mutual funds. Crypto tracking is available on Guardian Elite.

In short, concentration risk is when too much wealth depends on one stock, sector, or asset class. Guardfolio detects concentration across accounts and ETF look-through exposure, then alerts you before a small imbalance becomes a large loss.

The data shows most investors rebalance once or twice a year, or when any asset class drifts more than about 5% from target. Guardfolio tracks allocation after each sync and sends a rebalancing alert when you cross your threshold.

In short, allocation drift is when actual weights move away from your target mix after market moves. A 60/40 portfolio can become 75/25 without a trade. Guardfolio monitors drift after portfolio sync and alerts you when it exceeds your bands.

The key difference is Guardfolio is monitoring software, not a registered investment advisor. It provides informational risk analytics and alerts; it does not provide personalized financial advice or execute trades.

In short, diversification means spreading risk across asset classes, sectors, and geographies without hidden ETF overlap. Guardfolio measures concentration, overlap, and correlation breakdown, then summarizes structural risk in a Portfolio Health Score.