--- title: "Portfolio Analysis & Investment Strategy" description: "Investboard connects your accounts, analyzes funds, risk, tax and behavior, and shows how well your wealth matches your investment strategy every day." canonical: "https://investboard.de/en" language: "en" modified: "2026-08-25" author: "Investboard" --- # Understand your portfolio. Keep it aligned with your plan. Investboard connects your accounts and assets, analyzes funds, risk, tax and behavior, and shows how well everything matches your investment strategy every day. ## Access and data protection - Accounts & wealth connected - ETF look-through to each holding - EU hosting - GDPR data protection ## From custodian account to balance-sheet line. One complete picture. Investboard brings portfolio holdings, market prices and research into one calm, comparable data model. So you no longer have to jump between your bank, a quote portal and a factsheet. A data foundation that brings accounts, portfolios and total wealth together. - [wealthAPI](https://wealthapi.eu/verfuegbare-banken-broker/): Portfolio data. Accounts, holdings & transactions - [Twelve Data](https://twelvedata.com/docs): Market data. Global prices, FX & trading hours - [Financial Modeling Prep](https://site.financialmodelingprep.com/developer/docs): Research. Financials, ETF look-through & events - [Cboe Europe](https://www.cboe.com/markets/eu/equities): European market data. Equities, ETFs/ETPs & trading venues ## Every account. Every asset. One strategy in view. One system for people who define their own investment strategy. - Connects accounts, portfolios, real estate and other assets into one complete wealth picture. - Analyzes funds, overlap, risk, returns and tax back to the underlying data source. - Checks the portfolio every day against target allocation, bands and behavioral rules. Mandate, account data, look-through and decision history become a daily, verifiable view of your personal investment strategy. This makes your investment strategy verifiable against the real portfolio every day. “Does my portfolio still fit my plan?” [Why Investboard exists](/en/warum-investboard) ## The costliest gap in your portfolio is behavior. The panic sale. The rebalancing that never happened. The single bet that grew into your largest position. Investboard brings strategy, portfolio analysis and behavioral data into a system that shows how well you are following your plan every day. [What your broker app hides](/en/wissen/warum-privatanleger-rendite-verlieren) Typical investor return gap: −1.2 pp p.a. US funds and ETFs; investor return versus fund return, 10 years ended 31 Dec 2024. - [Morningstar · Mind the Gap 2025](https://www.morningstar.com/content/cs-assets/v3/assets/blt9415ea4cc4157833/blt2c5c4d9171638c42/689b424311f3880edc4b4813/US_Mind_the_Gap_2025.pdf) - [Friesen & Sapp · 2007](https://digitalcommons.unl.edu/cbafacpub/48/) - [Hsu, Myers & Whitby · 2016](https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2560434) Historical averages; results vary by period and investment category. ## Your investment mandate. Written by you, in plain language. Choose an investment philosophy, define target zones and record your own rules for risk, rebalancing and turbulent markets. Dated, understandable and verifiable. Investment mandate · June 12, 2026 · Illustrative · sample data ### Philosophy Long-term wealth building through index funds, globally diversified, reinvested automatically. No single holding above 5% of the portfolio. ### Allocation Equities 55–65%. Bonds 20–30%. Cash 5–15%. Alternatives 3–8%. ### Rebalancing Twice a year, or when allocation leaves its 5-percentage-point drift band. ### Behavioral rule No strategy change in weeks with more than 5% market movement. Signed by you, to your future self. ## One number that greets you honestly, every day. Plan alignment: 94 out of 100. The score combines allocation, target bands and mandate rules into one clear answer: how close is your portfolio to your plan today? Plan alignment · Illustrative · sample data - Days on plan: 312 (since signing the mandate) - Drift: 0.8 pp (within every zone) - Next rebalancing: Sept (on schedule) - Cost of tinkering: −€650 (over the last 365 days) ## In the worst moment, you hear your own voice. Investboard brings your own rules back into view at the right moment and makes every decision verifiable against your personal plan. ## Discipline becomes measurable, when rules become a system. ### Cooling-off A deliberate pause before any strategy change. A cooling-off period you set brings long-term rules back into the decision process. ### Cost of tinkering The behavior gap, in euros. Investboard calculates how departures from your own plan affected the result. ### Annual review An honest yearly letter to yourself. What you set out to do. What you kept. What surprised you. ## Detects what has changed relative to your plan. Then explains what it means. Notes arise from your mandate, your portfolio data and relevant changes. Illustrative · sample data ### Drift: Equity weight has left the drift band. Currently 67%, above your band of 55–65%. A rebalancing would be on schedule. ### Tax opportunity: Loss harvesting possible before year-end. Two positions could realise around €840 in tax savings, within your mandate. ### Calm: Your plan is on track. Within every zone for 41 days. Plan alignment remains stable. ## Mandate, portfolio and behavior. Connected in one system. Investboard connects your mandate to your actual holdings, looks through funds and risk, and measures every deviation against the same standard: your personal investment plan. What the product shows: How your mandate becomes the standard for your whole portfolio. ### Product · Portfolio dossier: One wealth file. Coherent from end to end. One mandate · the same holdings · the same data foundation Explore Investboard through one coherent sample file. Its mandate, portfolio and signals all build on the same holdings and the same data foundation. ### Three layers. Your own standard. ### 01 · The mandate: The plan is set before pressure builds. Goals, corridors and a cooling-off period are recorded before market moves provoke a reaction. ### 02 · The portfolio: See what you actually own. Portfolios are brought together, funds opened up and deviations checked against your mandate. ### 03 · The context: Every deviation explained with evidence. Every signal names its reason, evidence and meaning and connects the finding to your personal investment plan. - Connect: Accounts, portfolios and assets in one complete wealth picture. - Check: Allocation, concentration and behavior are checked against your mandate. - Interpret: Material deviations with the numbers that caused them and what they mean. Investboard provides context. You decide. [Take the product tour](/en/produkt) ## Fixed prices. Independent of your custodian bank, independent of your activity. ### Start Mandat For the beginning €5.99/month - Up to 3 portfolios, 50 positions in total - 3 broker connections with auto-sync - Complete net-worth overview - 3 years of portfolio history - Basic screener & 1 CSV import/month ### Pro For the complete picture €11.99/month · €89.99/year - Everything in Start Mandat - Up to 10 portfolios, 10 broker connections & 200 positions in total - All portfolio analytics: X-Ray, insights, benchmarks, stress tests, ETF optimizer & stock screener - Full German tax engine & 3 rebalancing modes - AI questions & quarterly reports enabled - 1 Autopilot plan, 5 goals & unlimited mandate rules ### Premium For households and larger wealth €19.99/month · €179.99/year - Everything in Pro - Unlimited portfolios, positions, connections & history - Household access for 5 adults & 10 child profiles - Scheduled rebalancing & unlimited Autopilot plans - 10× higher AI capacity - Unlimited goals & PDF exports, saved screens & portfolio-linked withdrawal planning Try every plan free for 14 days. Then pay one fixed price for the feature set you choose. No commissions, affiliate deals or advertising. ## Write down what you set out to do. Your mandate doesn't need perfect markets, only a beginning. Make the decisions once, calmly. Investboard then keeps the standard your portfolio should be measured against. What to expect: A signed mandate - Duration: ~5 min - Steps: 6 - Clauses: 5 Pause anytime · your draft saves automatically · revise every choice later ## Sources - [wealthAPI](https://wealthapi.eu/verfuegbare-banken-broker/) - [Twelve Data](https://twelvedata.com/docs) - [Financial Modeling Prep](https://site.financialmodelingprep.com/developer/docs) - [Cboe Europe](https://www.cboe.com/markets/eu/equities) - [Morningstar · Mind the Gap 2025](https://www.morningstar.com/content/cs-assets/v3/assets/blt9415ea4cc4157833/blt2c5c4d9171638c42/689b424311f3880edc4b4813/US_Mind_the_Gap_2025.pdf) - [Friesen & Sapp · 2007](https://digitalcommons.unl.edu/cbafacpub/48/) - [Hsu, Myers & Whitby · 2016](https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2560434)