Portfolio Checkup.See what yourinvestments add up to.

Spot hidden concentration and see how your portfolio measures up on quality, risk, income, and impact.

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Free to start · No credit card required

What the Checkup Analyzes

Five Dimensions.
One Complete Picture.

Most investors look at each holding in isolation. The Checkup looks at how everything works together — across all your accounts at once. Here's how investment analysis works before you run yours.

🔄
Diversification
Are you truly diversified?
Owning the same stocks in three accounts hides how concentrated you really are. Ziggma measures it across all your accounts with the Herfindahl-Hirschman Index (HHI).
HHI Index
⭐
Portfolio Quality
How strong are your holdings?
A few weak holdings can drag down an otherwise strong portfolio. The Ziggma Score rates every holding 0 to 100 on growth, valuation, profitability and financial health.
Ziggma Score /100
🌱
Impact
Does it match your values?
ESG ratings measure risk to the company, not what your money funds. The Impact Score shows each holding's real-world impact, from climate action to fair labor.
Impact Score /100
📊
Risk
How much risk are you taking?
Your portfolio may swing harder than the market without you noticing. The Beta Risk Factor shows by how much, and which holdings drive it.
Beta Risk Factor
💰
Income
What is your portfolio paying you?
Some holdings pay you nothing while others carry your income. Ziggma shows your portfolio yield and each holding's share of it.
Portfolio Yield %
How We Compare

What No Other Tool
Shows You Together

Most portfolio tools show you one slice. Ziggma's Checkup gives you the full picture — across all your accounts — in one diagnostic.

Capability Ziggma Empower Broker Tools Morningstar
Full portfolio diagnostic in one view ✓ Partial — —
Diversification score (HHI) ✓ Basic — Fund level
Portfolio quality scoring per holding ✓ — — Paid only
Impact alignment ✓ — — Partial
Portfolio Risk ✓ — — —
Income / dividend yield analysis ✓ ✓ Basic ✓
Multi-account aggregation ✓ ✓ — —
Plain-language diagnostic summary ✓ Basic — —
Portfolio Optimizer ✓ — — —

See all five dimensions for your own portfolio.

Free to start · No credit card required

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How It Works

Your Checkup in
Four Steps

No spreadsheets. No manual data entry. Just clear, instant answers about your portfolio.

01
Link Your Accounts
Connect your brokerage and retirement accounts securely via read-only access. Supports Fidelity, Schwab, Vanguard, Robinhood, and dozens more. Under 2 minutes.
02
Run Your Checkup
Ziggma instantly evaluates your entire portfolio across diversification, quality, impact, risk and income — consolidating all accounts into one unified view.
03
Read the Diagnosis
Get a plain-language summary of your portfolio's strengths, weaknesses and hidden risks. Each dimension is scored and the lowest-performing holdings are surfaced for you.
04
Take Action
Seeing the problem is only half the work. Use the Portfolio Optimizer to improve your scores — higher quality, lower risk, better alignment — in a few clicks.
Checkup → Action

Diagnose. Then Improve.

The Checkup tells you what's wrong. The rest of Ziggma helps you fix it.

Step 1 · Already here
Portfolio Checkup
Full diagnostic across all your accounts. Diversification, quality, impact, risk and income — in one place. Understand your portfolio's strengths, weaknesses and hidden risks in seconds.
Run My Free Checkup →
Step 2 · After your checkup
Portfolio Optimizer
Once your Checkup is complete, the Portfolio Optimizer shows you exactly how to improve it — higher quality, lower risk, better alignment with your goals — in a few clicks. Enter a trade and see how your portfolio scores change before you execute.
Open the Optimizer →
Supported Brokers

All Your Accounts,
One Checkup

Link brokerage and retirement accounts from dozens of major providers. Ziggma aggregates everything so you get a complete picture — not just a partial one.

Fidelity
Charles Schwab
Vanguard
Robinhood
E*TRADE
Interactive Brokers
Coinbase
+ many more

Bring every account into one Portfolio Checkup.

Free to start · No credit card required

Run My Checkup →
As Seen In
Forbes
CNN
Benzinga
Finimize
Investopedia

$2 billion in assets linked to date

5+
Dimensions evaluated in every Checkup — simultaneously, across all your accounts
2min
Average time to link your accounts and get your first complete portfolio diagnostic
$2B
In assets linked to Ziggma by self-directed investors seeking genuine portfolio clarity
Frequently Asked Questions

Common Questions About
Portfolio Checkups

Everything you need to know about getting a clear, honest read of your portfolio.

A portfolio checkup is a structured diagnostic of your investment portfolio that evaluates how your holdings work together — not just individually. Ziggma's Portfolio Checkup analyzes five dimensions simultaneously: diversification, portfolio quality, impact alignment, risk and income. The result is a plain-language summary of your portfolio's strengths, weaknesses and hidden risks across all your accounts. Learn more about how to analyze a stock portfolio.
Most investors underestimate hidden concentration — especially when holdings are spread across multiple brokerage and retirement accounts. Ziggma aggregates all your accounts into one view and measures true diversification using the Herfindahl-Hirschman Index (HHI). It shows your top holdings by weight and flags where concentration risk is building quietly. Learn how to track investments across multiple accounts effectively.
The Ziggma Score rates every holding from 0 to 100 against its peers on four pillars: Growth, Valuation, Profitability and Financial Health. Your portfolio score is the weighted average across all holdings. Learn more about the Ziggma Stock Score methodology.
Brokers show you individual account performance. Ziggma's Portfolio Checkup gives you a portfolio-level diagnostic across all your accounts simultaneously — analyzing quality, diversification, risk, income and impact together in one place. Your broker will never tell you which holdings are quietly dragging down your returns. See how Ziggma compares in our portfolio analysis tools comparison.
Morningstar is primarily a fund research tool. Ziggma is built for self-directed investors managing their own stock portfolios — it brings all your accounts together and evaluates them as a whole, rather than rating individual funds in isolation. Read the full Ziggma vs. Morningstar comparison.
Seeing the problem is only half the work. Once your Checkup is complete, Ziggma's Portfolio Optimizer shows you exactly how to improve it — higher quality, lower risk, better alignment with your goals — in a few clicks. Enter a trade and see how your portfolio scores change before you execute. The Checkup diagnoses; the Optimizer fixes.
Ziggma evaluates every holding against real impact data — from climate action to social responsibility — and gives your portfolio an overall Impact Score. This isn't ESG marketing; it's granular data on what your investments are actually doing in the world. Explore impact investing with Ziggma or learn how to reduce the climate impact of your portfolio.
For most self-directed investors, a quarterly checkup is sufficient to stay on top of concentration drift and quality changes. That said, it's worth re-running after significant market moves, major earnings reports, or any time you make changes to your portfolio. Ziggma updates in real time so you can run your checkup whenever you like. Learn more about how to optimize your portfolio on an ongoing basis.
Yes. Ziggma connects to your brokerage via read-only access — Ziggma can never move money or make trades on your behalf. Your credentials are never stored by Ziggma. All data is encrypted in transit and at rest. See the full details on our secure portfolio tracking page, or read is Plaid safe for linking accounts for a closer look at how the connection itself works.
Yes. Ziggma's free portfolio tracker covers unlimited holdings through manual entry or CSV import. Linking brokerage accounts is included in paid plans and the 7-day free trial. The Checkup and Optimizer build on top of that foundation.
Get Started Free

Most investors can't answer
three simple questions
about their portfolio.

Not because they aren't paying attention.
Because brokers and trackers aren't built to help them.
Ziggma was.

Run My Free Checkup →
✓ Free to start
✓ No spreadsheets
✓ No guesswork
✓ Read-only access
✓ Takes 2 minutes