Risk Indexing for Smarter Portfolios

Your Risk Index is a single metric that summarizes how much market "noise" is affecting your portfolio. By deconstructing your individual stocks, ETFs, and Mutual Funds, we reveal your true "Active Exposure"—the parts of your portfolio driven by your unique investing edge rather than just following a broad market index.

We use "Cross-Product Indexing" to look past the fund name and analyze the underlying holdings. Many investors unknowingly "over-index" by holding mutual funds that overlap significantly with their individual stock picks. Our model identifies these factor overlaps across all asset types so you can quantify your actual concentration risk.

Absolutely. Your specific portfolio holdings and financial data never reach our servers. We use a "Local-First" architecture where your data from Plaid is combined with our ERM3 risk model directly in your browser. We only see that you have linked an account at a specific institution (e.g., Fidelity or Schwab); we never see or store the actual assets you own.

Scaling allows you to adjust your market exposure without selling your winners and triggering a capital gains tax event. If your Risk Audit shows you are over-indexed to a specific sector, you can "scale down" that risk by using an inverse ETF hedge. This keeps your capital invested and growing while protecting you from targeted volatility.