Portfolio intelligence for humans. A powerful API for builders.
Beautiful dashboard and Plaid-linked experience on this portal for everyday investors. CLI, agents, and data integrations live on riskmodels.app—get a key, hit the API, and automate with confidence.
Audit & Index
"What is my risk?"
Link your brokerage via Plaid to decompose holdings into 41 systematic risk factors. Identify hidden beta-drift in real-time.
Isolate & Hedge
"How do I fix it?"
Generate precise Delta-Neutral recipes using SPY, XLK, or IWM overlays to neutralize sector and style exposure.
Automate & Scale
"How do I operationalize?"
Use the RiskModels CLI and REST API on riskmodels.app—install, authenticate, and pipe factor metrics into your own stack.
Developers: install the CLI, then grab a key and open the API reference on riskmodels.app
npm install -g riskmodels-cli
Start with your portfolio—or your API key
Local-First Persistence
Connect accounts on this portal for dashboard and Plaid UX. Developers and agents get keys, docs, and data on riskmodels.app.
Frequently Asked Questions
Everything you need to know about RiskModels
What is the Portfolio Risk Index (PRI)?
The Portfolio Risk Index (PRI) is a normalized total risk metric that measures your portfolio's volatility relative to the S&P 500. A score of 100 means your portfolio has the same total risk as SPY; above 100 means higher volatility, below 100 means lower. The PRI breaks down your risk into four components: Market (broad market exposure), Sector (industry tilts), Subsector (specific industry segments), and Idiosyncratic (stock-specific risks). View your PRI in real-time on the Dashboard Analytics tab, including historical trends to track how your portfolio's risk evolves over time.
Is my financial data private?
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.
What does it mean to "Tax-Efficiently Scale" my risk?
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.
Can I access ERM3 via API?
Yes! The ERM3 factor data that powers this site is available via API for developers and institutional clients. Access daily updated factor metrics, decomposition endpoints, and ticker returns data. Visit the developer platform on riskmodels.app for authentication, endpoints, and getting started.