myAnalysis Service
Professional portfolio analysis tools for serious investors. Track your performance, compare against benchmarks, and understand the true cost of fees.
Everything you need to analyze your investments!
See how fees and costs eat into your returns over time.
Our tools help you understand the real impact on your portfolio.
Results
ending values (Jan-26)
- Model Value 305,380
- 1.5% Loss/Cost 263,490
- 3.0% Loss/Cost 227,304
underperformance cost
- 1.5% Cost/Loss Ratio -41,890
- 3.0% Cost/Loss Ratio -78,076
- 5.0% Cost/Loss Ratio -118,768
While 1.5% may seem small, compounding turns modest underperformance into substantial wealth erosion over time. A seemingly minor difference compounds year after year, transforming what appears insignificant today into tens of thousands of dollars lost tomorrow. Here 1.5% compounds into $41,890. Do you want a new car or do you want to buy your broker a new car?
When Winning is Losing!
Many investors see positive returns and assume they're doing well. Your account statement shows a gain, so everything must be fine, right? Not necessarily.
The real question isn't whether you made money - it's whether you made as much as you should have. When the market goes up 10% but your portfolio only goes up 6%, you technically "won" with a positive return. But you actually lost compared to what you could have earned.
This is the hidden cost of underperformance. High fees, excessive trading costs, poor timing decisions, and suboptimal asset allocation can silently erode your wealth - even when your account balance is growing.
Our analysis reveals the truth. We compare your actual returns against a simple, low-cost benchmark based on your asset allocation. This shows you exactly how much money you've gained - or left behind.
Even a seemingly small 1-2% annual drag compounds dramatically over time. On a $500,000 portfolio over 10 years, that difference could mean $50,000 to $100,000 in lost returns. That's real money that should have been working for you.
Understanding your true performance is the first step to improving it. We give you the tools and transparency to make informed decisions about your investment strategy - and to hold your financial advisor accountable.
The real question isn't whether you made money - it's whether you made as much as you should have. When the market goes up 10% but your portfolio only goes up 6%, you technically "won" with a positive return. But you actually lost compared to what you could have earned.
Understanding the Loss/Cost Factor
Your underperformance can come from three sources:
- Losses from bad investment decisions
- Costs like commissions, margin interest, and fees
- A combination of both losses and costs
We separate these factors to show you exactly where your money is going - and where you're falling short of market returns.
The Hidden Cost of a 2% Wrap Fee
Many investors accept a 2% wrap fee without understanding its true impact over time. Adjust the portfolio value to see how costs scale.
$100,000 Portfolio Over 10 Years
That's $12,500 in excessive fees compared to the industry average. Or $19,100 compared to a low-cost Vanguard approach.
This calculation assumes an average account balance of $100,000 over 10 years. Your actual costs will vary based on your account size and time period.
A 2% fee doesn't sound like much - until you multiply it across your portfolio value and years of compounding. Understanding these costs is the first step to reducing them.
Powerful Analysis Tools
Comprehensive tools to understand your investment performance at a glance.
- Net Gain or Loss
See your actual dollar gains and losses. No more guessing - know exactly where you stand.
- Rate of Return
Calculate your true time-weighted and money-weighted returns accounting for all cash flows.
- Model Performance
Compare your results to a customizable benchmark based on your asset allocation.
- Dollar Comparison with Model
See the dollar difference between your actual performance and what you could have earned.
- Cost Ratios
Understand what percentage of your returns are being consumed by fees and costs.
- Recalculate Variables
Adjust allocation percentages and benchmarks to see how different scenarios would perform.
- Reports
Generate detailed performance reports to track your progress over time.
- Personalized Assistance
Get help setting up your accounts and understanding your analysis results.
- Multi-Account Support
Track and analyze multiple brokerage accounts in one place.
Chart Examples
Numbers are boring and brain numbing - so we love charts!
There are over 20 different charts available to help you analyze your performance.
Brokerage firms don't give you these charts for a reason - they would probably lose your business. (And go out of business.)
What is the Model?
In our opinion, the Model is the most important factor when analyzing any portfolio.
The Model is a hypothetical portfolio that represents what your investments should have returned based on your strategic asset allocation. It serves as a performance benchmark by tracking index returns for your target mix of stocks and bonds.
We use Vanguard no-load index funds to represent the asset classes - Vanguard's Total Stock Market (VTSAX) for stocks and Total Bond Market (VBMFX) for bonds.
For example, if your target allocation is 60% stocks and 40% bonds, the Model tracks what 60% VTSAX and 40% VBMFX would have returned over the same time period with the same contributions.
If the market is up and you are up - that's natural. But how did that compare to the Model's performance? That's the real question.
By comparing your actual returns to the Model, you can see if your investment decisions are adding or subtracting value.
This isn't about beating the market - it's about understanding whether your strategy is working for you or against you. You deserve the return of the market you invested in.
Real example: One client's $500,000 portfolio earned $45,000 last year. Sounds good? The Model showed they should have earned $62,000. That $17,000 difference reflects the underperformance based on poor management and/or costs.
Pricing plans for different needs.
Review your own account and save - or let us handle it for you.
For less than many investors pay in a single commission, we'll analyze your entire account from top to bottom.
Online Access
You do your own analysis.
$75 /one time
Get Started- You do yourself.
- One Account
- Historical analytics
- Ability to add additional accounts.
- Initial setup by us - $35.
Not all accounts are the same - contact us for any special requests.
Multiple Accounts
Access for 5 accounts.
$100 /one time
Get Started- You do yourself.
- Five Accounts
- Historical analytics
- VIP service
- Initial setup by us - $35 per account.
Not all accounts are the same - contact us for any special requests.
Historical Analysis
We analyze your accounts.
$75 /per account
Get Started- We perform for you.
- One account
- Real-time access into the future.
- Up to 10 years.
- Additional accounts for $75 each.
Not all accounts are the same - contact us for any special requests.
Annual Updates
We do annual updates.
$75 /one time
Get Started- We perform for you.
- Performed Annually
- Can change to quarterly or monthly updates.
- VIP service
- Additional accounts for $75 each.
Not all accounts are the same - contact us for any special requests.
We are happy to help in any way we can. Just ask us about additional services. Ask us for more help.
Important Questions to Ask Yourself
- How much money did I actually make - or lose?
- What was my true rate of return?
- How does that compare with my Model rate of return?
- Did I outperform or underperform the market?
- How much did my underperformance cost me in actual dollars?
- What percentage of my returns went to fees and expenses?
- How much did I spend on commissions and fees?
- Am I trading too frequently?
- Is my asset allocation appropriate for my goals and risk tolerance?
- Am I getting the market return I deserve based on my allocation?
- How much wealth am I leaving on the table due to poor performance?
- Would I be better off with low-cost index funds?
- Is my advisor adding value or extracting it?
- And most importantly - what has my stockbroker done for me...or to me?
Note: The testimonials below are placeholder examples and do not represent actual client feedback.
"I had no idea how much I was losing to fees until I used myAnalysis. The charts made it crystal clear - I was paying over $15,000 more than I needed to over the past decade."
"Finally, a tool that shows me what my broker never would. The comparison to a simple index fund benchmark was eye-opening. I've since switched to a low-cost approach."
Important Disclaimer
The information and analysis provided by myAnalysis™ are for educational and informational purposes only. This service is not to be used for any legal, accounting, tax, or other professional purposes. The reports, charts, and analysis generated by our platform do not constitute legal advice, financial advice, accounting advice, or professional consultation of any kind.
Users should consult with qualified legal, accounting, tax, and financial professionals before making any decisions based on the information provided. myAnalysis™ and its operators make no representations or warranties regarding the accuracy, completeness, or suitability of the information for any particular purpose.
By using this service, you acknowledge and agree that myAnalysis™ shall not be held liable for any decisions made or actions taken based on the information provided through this platform.