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Analysis
  1. 01 Portfolio
  2. 02 Net worth & dividends
  3. 03 Tax

Flagship · Analysis

Do not just see what you own. See what it means.

Investboard Analysis turns scattered accounts into an auditable brief: what is really inside, where concentration forms, which data is missing and what remains after tax.

Look-throughVisible evidence baseGerman tax logic
Investboard

Analysis brief

Illustrative example

Live after import

Label

2 world ETFs

Reality

64% US, 24% Top 7

Look-through
64 %

USA

18 %

Europa

8 %

Japan

What Investboard makes visible
Cluster
Top holdings dominate the index core.
Gap
Unsupported data stays marked.
Tax
Teilfreistellung and allowance are carried through.
Evidence

Look-through

Each fund is dissolved into countries, sectors and single names.

Source visible

Allocation

Seven dimensions, concentration warning and benchmark.

Heuristic marked

Tax

Vorabpauschale, Teilfreistellung, allowances and loss pots.

Germany-specific

Short answer

Analysis is the brief before every decision.

Investboard Analysis connects accounts and assets in one view, dissolves funds into their real components and shows return, risk, dividends and tax logic with a visible evidence base. Missing data is shown as a gap, not guessed.

  1. 01ETF look-through exposes countries, sectors, holdings and overlap.
  2. 02Net worth brings property, pension, precious metals and debt into the same brief.
  3. 03German tax logic travels with the numbers: Vorabpauschale, allowances and loss pots.
01Portfolio

From account list to real holdings.

Analysis does not stop at account rows. It dissolves wrappers, gathers brokers and shows the portfolio across seven dimensions, with figures that stay silent when the evidence base is missing.

Look-through
Every fund is dissolved into its real holdings: geography, sectors and overlap across every fund.
Allocation & concentration
Seven dimensions from asset class to sector, plus a concentration warning. The correlation read-out is an allocation heuristic, not measured covariance.
Performance
Time- and money-weighted return, Sharpe and maximum drawdown. With no history, the figure stays empty rather than invented.
Benchmark
Comparison against MSCI World, DAX, S&P 500 or an overnight cash benchmark, without suggesting currency-distorted alpha.
02Net worth & dividends

Your wealth does not end at the broker.

Property, precious metals, debt and the statutory pension belong in the same view. Investboard shows income after tax, not as a flattering gross figure.

Net worth
Five asset categories minus debt. The pension as an actuarial present value, precious metals at the live price. You enter property values yourself, with no invented valuation.
Dividends
Quality, growth and a net view that accounts for Teilfreistellung, the saver's allowance and church tax.
03Tax

Tax logic belongs in the analysis.

Vorabpauschale, Teilfreistellung and allowances are not footnotes. The tax engine quantifies the burden other tools only estimate.

Vorabpauschale & Teilfreistellung
Vorabpauschale under section 18 InvStG with monthly proration, Teilfreistellung by fund type.
Allowances
The saver's allowance and Freistellungsauftrag, distributed across brokers so no allowance lapses.
Loss pots & harvesting
Equity and other loss pots with Verlustbescheinigung deadlines, plus a scanner for offsettable losses.
Efficiency score
A score from several components. Where one lacks evidence, it is shown honestly, not invented.

Look-through

You don't own what the label says.

On the basis of available data, without investment advice.

What is included

Analysis: basic on Free, extended on Pro, full on Premium. Tax optimization from Pro, tax report export on Premium. All figures without guarantee, not tax or investment advice.

FAQ
What does ETF look-through mean?

ETF look-through means Investboard does not show a fund only as one position. It also exposes the countries, sectors and individual holdings underneath, so concentration risk and ETF overlap become visible.

What happens when data is missing?

When the evidence base is missing, the metric stays empty or is shown as a gap. Investboard should not invent performance, risk or tax values.

Is tax analysis tax advice?

No. Tax analysis computes with stored rules and assumptions for German private investors. It does not replace individual tax advice.

See what you really own.

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Evidence base

Brokers

4 connected

Funds

Look-through on

Tax

DE logic detected

No recommendation. A brief that prepares the decision.

PortfolioIllustrative example
Equities62 %
Bonds18 %
Real assets8 %
TaxIllustrative example
Efficiency score

78/100

Saver's allowance

€ 742

/ € 1,000
Harvest potential

€ 1,650

Freistellungsauftrag

€ 1,000

Precious metals
6 %
Cash4 %
Alternatives2 %