Yes, completely free. Enter your name and email and you'll get instant access, no credit card required.

Do I need the full prospectus, or can I use a news summary?

The more detail you can paste in, ideally from the actual prospectus, the more accurate the analysis. A news summary works as a starting point but misses the fine print these prompts are designed to catch.

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Analyze Your Mutual Fund & ETF Portfolio Using AI

By Namya Aankur Gupta · Updated Nov 9, 2026

Are your mutual funds and ETFs really diversifying your portfolio, or do several funds own the same stocks? Copy one prompt into ChatGPT and find out.

Spot overlap: see whether several funds hold the same companies

See your sector and market-cap exposure across all your funds

Get a diversification score out of 10 and a one-page Portfolio Health Report

Review gaps and simplification ideas instead of blind advice to buy more funds

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Why This Matters

Many investors own several funds and assume that means diversification. Funds in the same category often hold many of the same large companies, so you can be more concentrated than you think. This prompt asks AI to check your whole portfolio in one pass and to tell you what it could not verify.

What's Inside

One copy-and-paste prompt that makes AI analyse your portfolio across eight areas: a portfolio overview, overlap between funds, sector exposure, market-cap exposure, a diversification score, a risk analysis, what is missing, and an action plan of three to five areas to review. It ends with a one-page Portfolio Health Report covering strengths, weaknesses and improvement opportunities.

The prompt tells the AI not to invent fund holdings, returns or expense ratios, to state the date of the data it uses, to ask you for anything it cannot find, and to separate verified data from estimates. The PDF also shows you how to enter your investments, with an example.

Sample from the PDF

"Act as a professional investment research analyst specialising in mutual funds, ETFs and portfolio analysis. I want you to analyse my mutual fund and ETF portfolio and help me understand how well it is structured."

"Do not invent fund holdings, returns or expense ratios. Clearly mention the date of the data used. Distinguish between verified data and estimates."

Who This Is For

Anyone who holds two or more mutual funds or ETFs and wants to check overlap, sector and market-cap exposure, and diversification gaps.

FAQ

Is this really free?

Yes. Enter your name and email and you get instant access to the PDF, with no card needed.

Which AI tool should I use?

The PDF is written for ChatGPT. Other assistants that can look up fund factsheets also work. Always check the numbers against the fund's official factsheet.

Will the AI make up my fund holdings?

The prompt tells it not to and to state the date of its data, but AI can still make mistakes. Verify overlap and exposure figures on the official fund pages.

The example in the PDF uses funds from one country. Can I use my own?

Yes. Replace the example funds, amounts and country with your own, and the same prompt works for funds in any market.

Is this financial advice?

No. It is an education resource. AI is a research assistant, not a financial advisor, so verify everything before you make decisions.