See what you're actuallybetting on.

Stop guessing why your portfolio moves. See exactly what's driving it.

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How It Works

NVDA Stock Return Attribution YTD

Auto-cycling · 1 / 5

2Y view when live data

Market

Sector

Subsector

L3 residual

Gross

VIEW LIVE ATTRIBUTION → NVDA +14.9% YTD • +24.8% BETA LIFT • -9.9% RESIDUAL DRAG • RANK YOUR TICKER NEXT

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Shareable API outputs

What one analysis can become.

These are real RiskModels snapshots for NVDA and AGTHX: one stock due-diligence view and one fund fit view, both generated from the same institutional risk stack.

NVDA

Single-stock due diligence snapshot

Cumulative returns, factor bridge, peer residual analytics, and hedgeable risk layers from the RiskModels API.

AGTHX

Mutual fund fit snapshot

Five-year NAV attribution, holdings risk contribution, active risk mix, and fund fit profile from the funds pipeline.

Seamless Model Integrity

Connect your entire book of business via Plaid. No CSVs or manual data entry. Our engine automatically resolves your holdings against an institutional-grade security master, ensuring your risk models are always synced with live brokerage data.

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Structural Attribution

Move past the 'Factor Zoo.' Decompose your performance into Market, Sector, and Industry residuals to see the truth behind your diversification. Identify unintended concentration before it leads to a drawdown.

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Tactical Risk Calibration

Translate academic insights into tradeable reality. ERM3 provides dollar-denominated hedge ratios for liquid ETFs like SPY, XLK, and SMH. Calibrate your exposure to specific industries while keeping your high-conviction idiosyncratic bets intact.

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Run a snapshot on your portfolio

Institutional rigor with retail privacy. Your full holdings never leave your machine; our SDK runs locally on your terms.

FAQ

Common questions 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.