Introducing Portfolio Analytics

While all of us wish that all the stocks we hold go up, it seldom works out that way. There will always be asset classes, sectors, and stocks which underperform your expectations. The “putting all your eggs in one basket” risk with the hope of getting lucky is something all investors need to avoid to increase the odds of succeeding in the long run. Diversification is a technique that reduces this risk by allocating your investment to various assets, sectors, and stocks while also increasing the chances of reaching long term financial goals. 

All of us are also influenced by our cognitive biases which lead to concentrated portfolios. The biggest one being the disposition effect — selling investments that have gained in value while holding on to, or even adding more, to the losers. 

As Zerodha, we have focused primarily on building platforms, tools and utilities to help you execute a trade as efficiently as possible, or teach you how to trade on Varsity until now. We understand that this isn’t enough; most of our clients don’t have a background in finance, or the bandwidth to learn. We need to do a lot more to help our customers make the right trading decisions. Not by forcing our choices, but by using technology to create subtle, intelligent nudges that educate users, while not intruding on their trading and investing experience.

Introducing the portfolio diversification visualisation

Your portfolio can be comprised of:

  • Assets – Equity (stocks), Debt, Equity MFs/ETFs, Debt MFs, and Gold
  • Sectors – Financials, Energy, Materials, etc
  • Market-cap – Large-cap (top 100), Mid-cap (101-250), Small-cap (251 onwards).
  • Stocks – Reliance, HDFC, etc.

The Console holding visualisation now lets you view your portfolio concentration across all of the above. If you are investing directly in stocks and also in mutual funds, the combined exposure to any stock or sector could be much higher than what you’d assume, as Mutual fund underlying holdings could be the same as what you hold directly. So the visualization comes with an option to see stock and sector exposure by including the underlying stock holdings of the Mutual funds you own. The underlying stock holding data from the MF is obtained by the holding disclosures that AMCs are required to make every month. 

Note: Since an MF can hold numerous stocks, we import only the top 20 stocks in value to avoid clutter, but we use the entire sectoral exposure for the fund. Since we don’t import all stocks, if you have selected Equity MF, you will not see market cap breakdown of all the underlying stocks of the fund. 

Filter your holdings to see analytics for specific sectors, instruments, etc.,.

Use the filter option to drill down further. 

Extensive filters for your investments

Insights powered by tickertape provide important information on your direct stocks portfolio. 

Helpful insights for your portfolio

Click here to check it out

What should an ideal portfolio look like? 

There is no single formula, but here are a few general rules of thumb:

  • Subtract your age from 100 and allocate that percentage of your portfolio to equity and the rest in debt. So if I am 35 years of age, 65% to equity and 35% to debt.
  • Across your direct stocks, MFs, and ETFs, maybe diversify across 10 sectors with no more than 25% in a single sector.
  • Across your direct stocks, MFs, and ETFs, hold between 25 to 30 stocks. Maybe lesser if the account size is small. But nothing less than 10 stocks if only direct holding with not more than 25% in a single stock
  • Not more than 50% exposure to small-cap stocks.

The above visualization is just a start for our Nudge project (named after a book with the same name by economist Richard Thaler). I hope that for all of you who haven’t taken the effort to transfer stocks and mutual funds to Zerodha, this now gives you another added reason. 

 

Happy Investing, 

 

Nithin Kamath

CEO @ Zerodha and partnering startups through Rainmatter to help grow and improve the capital market ecosystem in India. Love playing poker, basketball, and guitar. @Nithin0dha on Twitter.

126 comments

  1. Ritika jain says:

    Great Initiative !!

  2. Atanu Das says:

    Sir, This is very good feature which helps long term investors. Thank You Sir

  3. saurabh says:

    Is tickertape that of zerodha or 3rd party.
    If it is 3rd party then doesn’t it mean sharing my data with them?

    • Matti says:

      Hi Saurabh, we don’t share any personally identifiable information with tickertape. We also now have an authorisation that you have to make agreeing to share your portfolio details with tickertape. Only after your consent will your portfolio be shared with tickertape for insights, keeping you in control.

      • Ashish says:

        How to revoke authorization for tickertape ?

        • Ashish says:

          For other app like smallcase, coin,etc there is option in kite to revoke but i am not seeing this .
          Either there is option everytime to authorize OR there should be option to revoke.

        • Ashish says:

          For other app like smallcase, coin,etc there is option in kite to revoke but i am not seeing this .
          Either there is option everytime to authorize OR there should be option to no authorize .

        • Matti says:

          You don’t need to revoke this authorisation because it’s only valid for one session. As soon as you close the browser, you’ll need to reauthorise tickertape.

  4. Srithar A says:

    Nice feature for me, it used to analysis my portfolio better way.

  5. Vineet says:

    Excellent Move

  6. Razeen says:

    Zerodha keeps providing useful updates. Thanks guys

  7. Satyanarayan Mohapatra says:

    Quadrant q3 report is profit .but why these stocks down ward????

  8. Nitin says:

    i think Zerodha team should work more for Intraday trader or Option Trader …. Like
    1. For option trader we don’t have Spread order option (to open strategy).
    2. For Intraday Trader there is no Option Chain available in web platform (KITE).

    • Matti says:

      Hey Nitin, option chain is available on Kite web and mobile. Click on the “…” on any option contract in your market watch and select option chain. Spread orders coming soon!

      • Nitin says:

        Hey thnxs man @Matti…. for ur quick reply

        1. i know option chain available if we have any strike Price in watch list … it would be better if we can open Chain with simple Script symbol too…
        2. & BIG thanks for SPREAD ORDER if it is coming soon… i know u guys also waiting for SEBI notification for Hedge margin 😉

  9. Tarakesh says:

    Excellent! Much awaited feature.. Thanks

    Gold should be a separate class. It does not seem to be there as a separate.

    Thanks again!

    • Nakul says:

      Hey Tarakesh, we do have gold as a separate asset class. Currently, you might be able to see only goldbees under this. We’ll be adding all of the gold mutual funds and ETF’s to this soon.

  10. Harris says:

    great start, guys. it would be lit, if you bring options portfolio analytics (beta weighting, portfolio balancing, consolidated payoff chart for different instruments) too under this project.

    • Nakul says:

      Thanks for the suggestion, Harris. We’ll discuss this internally and find out what all could be offered here. Also, you might wanna check out our partner, Sensibull. They’ve got a custom strategy builder, along with some other cool features, which you can use to build your own strategies and visualize the P&L.

  11. Niranjan says:

    There is a data of account holders being shared of their personal mobile number to the third party for private banks for their business and promotion please never share those details I have messaged you but no response in Twitter hope you take care of this @Nithin Kamath we are proud of your work you have built never break it

  12. Lalit Watts says:

    Good initiative for customers

  13. Sayli Kondhekar says:

    Very nice initiative. Would be immensely helpful to see where capital is deployed and how’s the performance.

    Keep up the great work.

    Waiting eagerly to see the US Investments through Zerodha and quick payout to bank.

    Hope that it will be done soon.

  14. Amol Sale says:

    Hi
    Will you please add the feature of displaying CAGR/XIRR?
    It will be of great help for long term investors.

  15. Victor says:

    I have invested in MFs that invest in foreign (US) stocks. However I don’t see them under the detailed portfolio breakdown. I am able to see the same against that fund name in moneycontrol and also the fund’s website. Why does it not show up in the portfolio analytics?

  16. Jigar says:

    There is a major feature from angel broking which I miss a lot.
    Angel broking portfolio would show individual transaction for a stock.
    Like, I’ve bought ABC stock four times with different prices. It would show the quantity and price and dates when I expand for the transactions view.
    Please consider that as well.

    • siji says:

      Yes, I too miss this feature. In ICICI Direct too we have this. In Zerodha, we have to go to console… its a pain.

    • Matti says:

      Hey Jigar, this is already available. Click on the “…” on any of your holdings and click on “view breakdown”. You’ll see when you bought, price, and the age of the investment.

  17. Murlidhar Khedkar says:

    Dear Sir

    This is very useful for long term investor. If possible can we get total dividend received during year at one place from all stock

    Regards
    Murlidhar Khedkar

  18. Hemant Charya says:

    “Insights” blew my mind! Very close to my estimates. Keep up the stunning work, Team Zerodha. Way to go!

  19. siji says:

    When will you introduce customization of holdings? Eg.I would like to keep Long Term, Medium and Short Term holdings separate. Currently you only have provision to separate Small Case Holding separate. Your CSR says this is in pipeline. I am waiting for you to enable it, so that I can move all my holdings in ICICI Direct to Zerodha. It is becoming difficult to monitor and manage multiple accounts.

    • Matti says:

      Hey Siji, tagging holdings the way you’ve described is on our list of things to do and will be the next major update to Console. 🙂

  20. Antariksh Alba says:

    Cool, let’s begin

  21. Krishna says:

    Awesome 🙂

  22. venkat says:

    excellent 🙂

  23. Rajesh singh Gurjar says:

    Awesome 🖒

  24. Shyam says:

    I would like to split my portfolio into different purpose – eg: buy a home, Children education. This will help me have a different analysis criteria for each portfolio. I can’t do a goal(or other idea) based portfolio in Zerodha now.
    This will help me manage my trades and save a lot of time that I spend on other tools to do the same.

  25. BAPPADITYA GAYEN says:

    very good

  26. Sathesh says:

    Very good feature. I welcome it

  27. Arya says:

    Aisa kuch banao jisme long term holdings alag ho Jaye or short term trading ke stock alag alag dikhne lage.bhai long term holdings bik jati hai iss chakkar me.

    • Matti says:

      Hey Arya, stocks in the demat account always move in a FIFO(first-in-first-out) fashion. Even if we display this differently on Console, for taxation purposes, you’d still have to show the transactions in FIFO.

  28. Prateek Chourasia says:

    Much awaited and has been asked so many times earlier. Finally. Thanks

  29. Prashant. V says:

    There should b a separate column in kite or console on XIRR returns on our stock from the day of investment. I mean my XIRR retuns on that stock instead of Absolute returns bcoz absolute returns does take into account no of days,month or years of investment. Some mutual funds give this.

    • Nakul says:

      This is in our list of things to do on Console and will be added for stocks in one of our future updates. By the way, we are already showing the XIRR for mutual funds on Coin. Do check this post.

  30. Navnath Nivrutti Padwal says:

    Very good feature. I welcome it

  31. D P says:

    Great. Useful updates.

  32. Pushpendra Hajariya says:

    It’s very useful platform and good work for trading like short & long term investment.

  33. Y. K. Sharma says:

    Good features.

  34. Rakesh Lingam says:

    Thank you very much for the update.

    I saw this new feature few days back. However, its not working well in Microsoft Edge. When I keep mouse pointer on the pie-chart, it jumps and not allowing to select any of the items.

    • Matti says:

      Hey Rakesh, we don’t support Microsoft Edge in its current avatar. I would recommend you use Firefox or Chrome. However, Microsoft will soon release Edge based on the Chrome engine where this will work fine. You can download the new Chrome-based edge here even now.

  35. Prashant. V says:

    There should b a separate column in kite or console on XIRR returns on our stock from the day of investment. I mean my XIRR retuns on that stock instead of Absolute returns bcoz absolute returns does *not* take into account no of days,month or years of investment. Some mutual funds give this.

  36. khushal says:

    god bless you & zerodha team.

  37. R. Bhowmick says:

    Excellent feature…..

  38. Soumen says:

    Hi Zerodha team.. thanks for continuous improvement.. still there is a long long way to go.. this platform needs lot of features in option front. Like even a basic option chain is NOT available.. I am not sure if you have seen think-or-swim platform..

    • Matti says:

      Hey Soumen. Option chain is available on Kite. Click on the “…” button on any option contract in your marketwatch and click on “option chain”.

  39. Yogesh says:

    Thanks, very useful tool

  40. Ashish says:

    This latest addition is an absolutely fantastic provision for a long time investor……Too good…Zerodha is fast becoming or has already become a one-stop solution perhaps unrivalled by anything around….a big thank you and a thumbs up to the developing team

  41. ramesh kulkarni says:

    pl send

  42. DIPAK BISWAS says:

    ,Sir, This is very good feature which helps long term investors. Thank You .

  43. Amit says:

    Very good step.

  44. Prabhat Singh says:

    Hi I want long time portfolio investment my number is 9594609493

  45. Jagmohan says:

    is there any feature available to calculate annualized return on holding. Currently it shows absolute Rate of return.

  46. Manu Manjunath K R says:

    Great move….it will help me a lot….kindly allow us to seperate long term holdings short-term and interday shares and allow us to sell from any holdings we want. I have to use 3 demats for three trades due to fifo followed.

    • Matti says:

      Hey Manu, stocks in the demat account always move in a FIFO(first-in-first-out) fashion. Even if we display this differently on Console, for taxation purposes, you’d still have to show the transactions in FIFO.

      • Manu Manjunath K R says:

        Np….at least I can have my long term holdings…everytime I sell interaday stocks using cnc…i end up selling my stocks in holdings…so I wanted an solution…….is zerodha bringing any update in coming days

  47. MG says:

    awesome , u rock !!!

    One suggestion pls provide drill down on STOCK donut chart.

  48. Somen says:

    This visualization is superb and it provides very good information. Hats off to the team 😀

  49. Amit Ranva says:

    Nice feature.

  50. Newton says:

    Looks nice with all the colorful graphs and pie-charts.

    Any option to transfer this data to PowerPoint presentation? That will be great help to share same with peers (since one cannot give username/password).

    Good Work, Zerodha 🙂

  51. Venkatakrishnan J says:

    Was looking forward to something like this.. Awesome.. checking it out right now..

  52. Teja says:

    Actually, it doesn’t match with my folio. When I have high exposure to small cap funds, it shows otherwise.

  53. Deepesh says:

    Will Zerodha be listed one day for trading? 🙂

  54. yashvir says:

    Much needed! I see that my gold fund (quantum gold) isn’t reflecting in the split of my portfolio as a separate investment in gold. Can that be rectified?

  55. Himanshu Shekhar says:

    Hi Nithin,

    Good to see this initiative. I have seen that we are collaborating with multiple small companies for example in this case with Tickertape. Can you please ensure and do a risk analysis for having exposure of your client data to outside vendors don’t have a risk either for you and more for users.

    • Matti says:

      Hey Himanshu, you need to authorise tickertape to read your data to see insights. This is not a one-time authorisation, but something you need to do every time you start a fresh session. As such, your data remains safe. 🙂

  56. Shashank Jain says:

    Great, One more great feature and reason to be with Zerodha, Have couple of suggestions
    1. Annualized return on each holding, as well as for the whole portfolio
    2. Graphical Comparison of components of portfolio with different indices, like nifty, sensex, small cap etc..

  57. Sridhar d says:

    Hi Nithin,
    Thanks for the very useful update. I have always admired zerodha for the very clean UI and was not disappointed with this update either.

  58. Aravind says:

    What a beauty! Zerodha at it again.

  59. Siddharth says:

    How to revoke the ticker tape authorization?

    • Matti says:

      Hey Siddharth, there is no one-time authorisation. The authorisation is only valid for one session. If you try looking at insights after restarting the browser, you’ll see that you’ll need to authorise once again.

  60. Praveen says:

    Great job guys. Keep rocking…

  61. Rakesh Kantilal Rathod says:

    Can I import external portfolio and have a consolidated view

  62. Ashish Kumar Mishra says:

    Add a feature where we can upload our Existing MF Investment, like Upload CAMS Consolidated Account statement. This helps in viewing all the funds at one place.

  63. MANOJ KUMAR TRIPATHI says:

    Thanks

  64. Darvin says:

    Jabbardast nithin
    This proves y zerodha is greatest amongst its peers.

  65. Darvin says:

    Is there any way i can transfer my MF portfolio to Zerodha.
    I have direct MF registered with AMC sites
    Can you find a solution to this??

  66. sourabh kale says:

    its an amazing ………

  67. DHAVAL SHAH says:

    I agree. Good observation.

  68. Siddhesh badhe says:

    Is this service free or it will cost me some money.
    Also please let me know via mail or comment which services are free in kite account and which cost me extra money.

    • Matti says:

      Hey Siddhesh. There is no extra charge for this. Everything on Kite is free. If you use services from our partners listed here, you’ll need to check the pricing page on their website.

  69. NARASIMHAMURTHY says:

    Excellent feature.

  70. Akshay says:

    Great Work! Truly living upto the name Zero-dha.
    It will be great if you have some tool where you can check your portfolio or part of you portfolio’s performance against an index or a mutual fund.

  71. Shamsher Singh says:

    By far this is the best app that I have used for investment. Till date my experience has been beyond my expectations. Now with introduction of this feature i really am impressed and thanks to Zerodha team for such wonderful initiative.

  72. Shahnawaz Alam says:

    Great Service ! I was managing my portfolio different site. Now it will reduce lot of my manual work and also help me to analyse and take quick action if required.
    Thank a lot Zerodha

    Suggestion: Please add one column “ISIN” in trade book report.

  73. Rahul Dwivedi says:

    Thanks, It’s a great initiative ..

  74. Amitkumar Yadav says:

    Very nice sir thank you for your support

  75. wsv says:

    Hi, can the portfolio analytics also include debt mutual funds, I might be holding different bonds from the same company through different mutual funds. Some data around concentration on a particular company, average holding period etc will help

  76. ADITYA PATEL says:

    Very Nice Feature — Dream feature…

    But this portfolio analytics shows some of the stocks which I don’t own, and conversely doesn’t show stocks which I own.

    Help…

  77. Sandeep Reddy Marthala says:

    Nitin – is there way I can see performance of my portfolio over time in chart, compared to benchmark?

  78. Deep Dave says:

    As usual, a great initiative by Zerodha.. 🙂

    I am so glad I am part of the Zerodha family..

  79. Abhishek says:

    Is using ticker tape free?

  80. Shailesh says:

    Nitin,
    There is an urgent need of Consolidated view of all the holdings in multiple family accounts. Most businessman have multiple Zerodha account in family members name but managed by single person. There is a urgent need to visualize all investment in one place. You might choose to not breakdown Mutual Funds holdings but consolidated just based on Mutual fund scheme name.

    Thanks.

  81. Rajeen says:

    Hi,

    Thanks for the analytics feature. It’s really helpful

    Not sure if this is feasible, but could you please provide an option to add details about the existing stocks from other systems as I have been keeping those stocks there for a long time. This can give me a holistic view of my entire portfolio.

    Thanks

  82. pramod says:

    Sir,My wife had withdrow 4800 /- from her zerodha account ,processed was successful on 21 January 2020 ,but money was not deposited her bank account.Sir, now what to do ?

  83. KHWAHISH CHUGH says:

    KUCH NA KAHO.

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