Portfolio risk analytics: exposure, diversification & concentration risk
Portfolio Analytics gives investors a clearer view of diversification, hidden exposure, and concentration risk across stocks, ETFs, sectors, regions, currencies, and account scopes.
How it works
- Bring in your holdings. Connect a Trading 212 account or enter positions manually. PnLock never executes trades, it only reads positions to analyse them.
- Look through the funds. Where holdings data is available, ETFs are decomposed to their underlying companies so overlapping funds stop hiding real exposure.
- Map every dimension. Exposure is broken down by holding, sector, industry, country, currency, market-cap band, and portfolio beta.
- Grade the concentration. A Herfindahl-style concentration score flags where risk is genuinely pooled, so you can rebalance or hedge with intent.
Beyond headline holdings
A portfolio can look diversified while still depending heavily on one mega-cap, one sector, one country, or a cluster of overlapping ETFs. PnLock surfaces those hidden concentrations in one dashboard.
ETF passthrough visibility
Where holdings data is available, PnLock looks through ETFs to estimate underlying exposure instead of treating every fund as a black box.
Actionable risk review
The goal is not to prescribe a portfolio. It is to make risks visible so investors can rebalance, hedge, or simply monitor with more context.
Common questions
What is concentration risk?
Concentration risk is the possibility that too much of a portfolio depends on one holding, theme, sector, country, or factor.
Does PnLock replace a financial adviser?
No. PnLock is software for monitoring and analysis. It does not provide personalized financial advice.