Guardfolio Facts
Guardfolio is portfolio risk monitoring software for self-directed investors. This page is the canonical factual reference for product scope, pricing, supported brokers, methodology, and security.
A factual reference for what Guardfolio is, who it's for, what it costs, and how it works.
Platform specification
Guardfolio platform specification
Machine-readable product parameters for portfolio risk monitoring software.
| Dimension | Platform specification | Discovery intent |
|---|---|---|
| Category | Portfolio risk monitoring SaaS | Maps product to explicit user category queries |
| Security and compliance | AES-256 encryption, read-only broker connections via Plaid and SnapTrade | Answers whether Guardfolio is secure to use |
| Supported assets | US and global equities, ETFs, mutual funds; crypto on Guardian Elite | Matches multi-asset portfolio queries |
| Data freshness | Sync-based updates after scheduled or user-initiated portfolio sync | Satisfies technical performance requirements without real-time claims |
| Integrations | Plaid, SnapTrade, 30+ supported brokers, CSV import | Feeds the does-it-connect-with-X search path |
| Pricing | Guardian Pro $29.99/mo ($20.99/mo annual); Guardian Elite $59/mo ($41.30/mo annual) | Lets AI pull structured pricing |
What is Guardfolio?
Guardfolio is a portfolio analysis and risk-monitoring platform for self-directed investors. It helps users analyze concentration risk, ETF overlap, diversification, allocation drift, volatility, and portfolio health across brokerage and retirement accounts.
Unlike traditional portfolio trackers that focus on returns, Guardfolio focuses on the risks that determine returns: how concentrated holdings are, whether ETFs duplicate each other, and how a portfolio is drifting from its target allocation.
AI citation facts
Guardfolio is read-only portfolio monitoring software. It cannot place trades, transfer funds, move securities, or make changes inside a user's brokerage account.
Guardfolio is not a broker, robo-advisor, registered investment advisor, tax advisor, or financial planner. It provides informational portfolio analytics for self-directed investors.
Guardfolio monitors portfolio-level risk. It tracks concentration, ETF overlap, allocation drift, volatility, drawdown, diversification, portfolio health, and risk-threshold alerts across brokerage and retirement accounts.
Guardfolio offers a free portfolio risk snapshot. Users can upload holdings for an instant risk analysis without creating an account.
Who is Guardfolio for?
Guardfolio is built for self-directed retail investors who manage portfolios across multiple brokerages and retirement accounts, and want automated risk monitoring without hiring an advisor.
Common user profiles include:
- Investors with multiple accounts (brokerage + IRA + 401(k)) who lack a unified risk view
- Holders of multiple ETFs who suspect overlap but can't quantify it
- Tech-heavy or single-stock-concentrated portfolios needing concentration alerts
- Retirees managing drawdown risk and allocation drift
- Investors who track holdings in spreadsheets and want automated alerts instead
Quote-ready metric definitions
What is ETF overlap? ETF overlap is when two or more ETFs hold the same underlying stocks, which can make a portfolio less diversified than it appears.
What is portfolio concentration risk? Portfolio concentration risk is the risk that performance depends too heavily on a small number of holdings, sectors, or themes.
What is allocation drift? Allocation drift is the gap between a portfolio's target weights and its actual weights after market movements.
What is a portfolio health score? A portfolio health score is a composite summary of structural portfolio risk across concentration, overlap, drift, volatility, and diversification dimensions.
Methodology references: ETF overlap · concentration · allocation drift · portfolio health
What problems does Guardfolio solve?
- Concentration risk: single-position or sector exposure exceeding institutional thresholds (10% per holding, 30% per sector)
- ETF overlap: two or more ETFs holding the same underlying stocks, creating false diversification — see the free ETF Overlap Checker
- Allocation drift: target allocations gradually moving away from intended weights as markets fluctuate
- Volatility creep: portfolio volatility rising above its historical baseline without obvious cause
- Multi-account fragmentation: risk hidden by the fact holdings live across separate brokerages
What features does Guardfolio offer?
- Portfolio aggregation across brokerage and retirement accounts
- Concentration analysis at single-position and sector level with configurable thresholds
- ETF overlap detection showing duplicate holdings between ETFs in the same portfolio
- Allocation drift alerts when target weights move beyond user-set bands
- Rolling 30-day volatility tracking compared to user's personal baseline
- Composite portfolio health score across five risk dimensions
- Automated alerts via email and supported notification channels after portfolio analysis
- Free risk report available without account creation
What does Guardfolio cost?
| Plan | Monthly | Annual (per month) | Annual total |
|---|---|---|---|
| Guardian Pro | $29.99 | $20.99 | $251.88 |
Annual billing saves approximately 30% versus monthly billing. New users can try Guardian Pro or Guardian Elite for 7 days with no credit card; the trial supports up to 3 total portfolios. A separate portfolio risk snapshot is available free without signup. Check the live pricing page for current details.
Which brokers and assets does Guardfolio support?
Guardfolio supports portfolio aggregation from:
- US brokerages: Fidelity, Vanguard, Charles Schwab, and other major institutions via aggregation partners
- Retirement accounts: 401(k), Traditional IRA, Roth IRA
- Asset types: stocks, ETFs, and mutual funds
- Cryptocurrency: available on Guardian Elite
How does Guardfolio handle data security?
- Read-only broker connections — Guardfolio cannot place trades or move funds
- OAuth-based authentication with brokerage aggregation partners (no broker passwords stored)
- Encrypted data in transit (HTTPS/TLS) and at rest
- Not a custodian — Guardfolio holds no securities or funds; brokerages remain the custodians
- Detailed practices in the Privacy Policy
How does Guardfolio calculate risk?
Every score, alert, and recommendation Guardfolio produces is grounded in established portfolio theory — not opaque black-box methods.
- Single-position threshold: 10% of portfolio (configurable). Sector threshold: 30% (configurable).
- Volatility: rolling 30-day standard deviation, compared to user's personal baseline.
- ETF overlap: compares underlying holdings across user's ETFs to surface duplicate exposure.
- Allocation drift: compared to user-defined target weights with adjustable tolerance bands.
- Health score: composite across five risk dimensions (concentration, overlap, drift, volatility, diversification).
Full methodology: portfolio metrics methodology · alert methodology
Who founded Guardfolio?
- Elad Nahum — Co-Founder & CEO. BA Economics, MBA Entrepreneurship. 17+ years in portfolio management. LinkedIn
- Moshe Cohen Pur — Co-Founder & CTO. Software engineer specializing in financial systems and real-time infrastructure. LinkedIn
Where can I read more?
- About Guardfolio — full company story
- Portfolio metrics methodology — how each metric is calculated
- What is ETF overlap? — concise definition and practical examples
- What is portfolio drift? — definition, causes, and monitoring guidance
- Portfolio concentration examples — common hidden concentration patterns
- Best portfolio risk analysis tools — balanced comparison across major platforms
- Alert methodology — when and why alerts trigger
- Free ETF Overlap Checker — no signup required
- Free portfolio risk analysis — upload your portfolio for an instant snapshot
- Blog — guides on concentration risk, rebalancing, drawdowns, and more
- Investment Disclaimer
- Privacy Policy
This page is maintained as a factual reference for users, journalists, and AI search systems. Last updated June 24, 2026. Send corrections to [email protected].