Portfolio Checkup — Where Is Your Risk Really?
Eight holdings. Really 6.5.
Eight stocks sound diversified until one of them is 30% of the money. Most people don't know where their risk actually sits until the market tells them.
What you get
- How diversified you really are: the Herfindahl index turned into "effective holdings" — the number of equally weighted positions your portfolio behaves like — plus weights by holding, sector, region and asset class.
- Red / amber / green flags: a single holding over 25%, one sector over 40%, effective holdings under 5, drift beyond your band, weighted fees over 1%, cash above 30% — each flagged with the number behind it.
- Two ways to rebalance: the amounts to buy and sell, or, if you'd rather not sell, how many months of new contributions close the gap. Both paths, your call.
- What fees cost: weighted annual fee rate, the amount per year, your three most expensive holdings, and the long-run gap at an assumed return.
- Income: annual and monthly cash flow from the yields you enter.
Who it's for
Worth running once you hold more than three things. Dividend investors, ETF investors, anyone who wants to check they aren't quietly concentrated. Any country, any market, any currency.
What it does not do
- No live prices — every value and fee rate comes from you
- No recommendations, no opinions on individual companies, no price forecasts
- No tax or regulatory judgements
How to use
- Download from Capafy — you get a zip file (no need to unzip).
- In Claude, turn on code execution, then upload the zip under Settings → Skills. (Claude Code users: unzip into ~/.claude/skills/.)
- Describe your situation in plain English. Claude asks for the numbers it needs, runs the model, and walks you through the results.
Output and language
Claude explains the results in your language. The Excel workbook and written report are currently labeled in Traditional Chinese; English labels are planned for a future version.
Privacy
Runs locally in your own Claude environment. No external connections, no API keys, and your numbers never leave your machine.
Requirements
A Claude environment that can run Python (e.g. Claude Code, or Claude with code execution enabled). Uses openpyxl; Claude can install it on first run.
Disclaimer
Calculations follow the numbers you provide. The tool never fetches market data and never issues a buy, sell or hold recommendation. Thresholds and assumed returns are general parameters, not advice for your situation, and guarantee nothing. Investing carries risk — decide for yourself, and consult a qualified local professional where appropriate.
