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Understand your investment portfolio's strengths, weaknesses, hidden risks and impact— across all your accounts, in one place.
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Ziggma portfolio dashboardImage representing the Ziggma Portfolio Checkup
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.

🔄
Diversification
Are you truly diversified?
Hidden concentration is the most common portfolio risk. Ziggma measures it using the Herfindahl-Hirschman Index (HHI) — the institutional standard — and shows you your top holdings by weight across all accounts.
HHI Index
⭐
Portfolio Quality
How strong are your holdings?
The Ziggma Score (0–100) evaluates the fundamental quality of every holding — profitability, earnings growth, balance sheet health. Your portfolio score is the weighted average. Scores above 90 indicate exceptional quality.
Ziggma Score /100
🌱
Impact
Does it match your values?
See how your portfolio aligns with the future you want to live in — from climate action to social responsibility. Real impact data, not ESG marketing. Because the gains you make should be gains you actually want.
Impact Score /100
📊
Risk
How much risk are you taking?
Portfolio beta tells you how your portfolio moves relative to the market. Ziggma surfaces your highest-risk holdings and shows whether you're positioned for stability or upside — or unknowingly exposed to both.
Portfolio Beta
💰
Income
What is your portfolio paying you?
Dividend yield and income contribution per holding. Know how much your portfolio earns regardless of market movement — and which holdings are contributing nothing.
Portfolio Yield %
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 →
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 ✓ — — —
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
TD Ameritrade
Robinhood
E*TRADE
Interactive Brokers
Webull
+ many more
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 is a proprietary quality score (0–100) that evaluates the fundamental strength of each holding — covering profitability, earnings growth and balance sheet health. Your portfolio-level score is the weighted average across all holdings. Scores above 90 indicate exceptional quality. 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.
Yes. Beyond the Portfolio Checkup, Ziggma also functions as a free portfolio tracker — giving you real-time performance monitoring, holdings breakdown and account aggregation at no cost. The Checkup and Optimizer build on top of that foundation to give you a complete investment management toolkit.
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