An AI rating for your stock portfolio: how the 0–100 score works

Fit with your themes — 60% of the score

For each theme you chose, every holding is marked Benefits, Hurt, Neutral or Mixed, with a one-line reason. Weighted by what each holding is worth, a portfolio that mostly benefits from your themes scores high, one that is mostly neutral lands around 50, and one that is mostly hurt by them scores low. A holding marked Mixed counts half each way. If less than half of the portfolio’s value has been marked, there is no fit score yet, and the card says so.

Diversification — 20%

Half of it is concentration: how evenly your money is spread, with every point a single holding sits above 20% of the portfolio costing 2 points. The other half is correlation: how closely your holdings’ daily returns have moved together over the past year. Two companies that rise and fall together count as one bet, however many tickers you hold.

Volatility — 20%

A portfolio that swings less is easier to hold through a bad year, and it keeps more of what it earns. Deep swings set you back further than they look: a 50% fall needs a 100% gain just to get back to even, and the wider the swings, the bigger the gap between the average yearly return and what the portfolio actually compounds to. A steadier portfolio also recovers from a drop sooner and depends less on the timing of the money you add or take out.

StockDashes takes your holdings at today’s weights and measures how much the whole portfolio’s value moved from day to day over the last 250 trading days, in your chosen currency — euros or US dollars — then turns that into a yearly figure: annual volatility. The S&P 500’s figure over the same days is shown next to it for reference. 12% a year or less scores 100; above that, each extra percentage point takes off about 2.9 points, down to 20 at 40% or more. The fictional example portfolio below swings 18% a year and scores 83.

On your dashboard, open Volatility on the score card: it shows your annual volatility, the S&P 500’s over the same days, and the holdings with the largest share of the portfolio’s volatility.

The total and its label

The three parts add up to one number from 0 to 100, labelled Weak (under 40), Mixed (40–59), Solid (60–79) or Strong (80 and up). An AI-written summary on the score card — one sentence and three points — says what drives it, using only those inputs: the fit with your themes, concentration, the group of holdings that move together, the holding that fits your themes least, and volatility against the S&P 500.

Your real return — next to the score, not in it

The dashboard and the performance page show your time-weighted return against the S&P 500 total return, both in the currency you chose — euros or US dollars. It is kept out of the score on purpose: the score is about how your portfolio is built today, the return about how it has done.

Is there an AI tool that rates my stock portfolio?

Yes. StockDashes rates your portfolio from 0 to 100: 60% fit with the investment themes you chose, 20% diversification and 20% volatility, with the reasons behind each part. AI marks how each holding relates to each theme; the rest is calculated from your holdings and their prices.

What does the 0–100 score measure?

How well your holdings fit your themes, how concentrated and how correlated they are, and how much the portfolio swings. Under 40 is Weak, 40–59 Mixed, 60–79 Solid and 80 and up Strong.

Does the score include my return?

No. Your time-weighted return against the S&P 500, in euros or US dollars, is shown next to the score, on the dashboard and the performance page, but it isn’t part of it.

Will it tell me what to trade?

No. It describes how your portfolio fits the views you chose and where the risk sits; it never says what to trade or when.

What do I need to get a score?

An account, your holdings — imported from your broker’s export or typed in — and up to 4 themes, picked from a list or written in your own words.

Which holdings can it score?

Holdings listed in the US, and European shares that also trade in the US. Other European listings and UCITS ETFs are shown by name and left out of the score, and the app says so.