Portfolio intelligence for serious investors

See what you really own

Upload your Fidelity export and instantly see your true exposure across every ETF, mutual fund, and stock — including what's hiding inside your funds.

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Company exposure report · Jun 2026 · 22 positions
Total portfolio
$2.84M
All accounts
Equity & funds
$2.61M
92.1% invested
True top exposure
$412K
14.5% — across 6 funds
Capital appreciation
+$1.24M
+90.2% all-time
NVIDIA
$412K
Alphabet
$189K
Apple
$176K
Microsoft
$152K
Amazon
$97K
30+
Companies tracked across funds and direct holdings
13
Stress test scenarios including correlation cascade
100yr
Growth projection horizon for generational planning
0
Bytes of your data ever leave your browser
What XRay does

Institutional analysis,
no institution required

Most portfolio tools show you what you hold. XRay shows you what you really own — and what happens when markets move.

🔍
True fund look-through
VGT, QQQ, FSELX — XRay looks inside every ETF and mutual fund to show your real company-level exposure. NVIDIA appearing in 7 of your funds? You'll see the combined total.
EXPOSURE
⛓
Correlation cascade stress test
When NVIDIA drops 40%, AMD, Broadcom and Microsoft don't stay flat. XRay propagates shocks through a live correlation matrix so you see the full ripple — not just the direct hit.
UNIQUE
📈
Generational growth projection
Each position projected using its own verified historical CAGR over up to 100 years. Custom rate slider lets you model your own assumptions. Built for generational wealth planning.
PROJECTION
🎯
Target allocation tracker
Compare your portfolio against 6 industry models and 6 iconic investors — Buffett, Cathie Wood, Peter Lynch, Ray Dalio, David Swensen, Ron Baron. See exactly what to trim and where to add.
ALLOCATION
📊
Holdings ledger
Every position across all your accounts — summed, sorted, and showing gain/loss to the dollar. Missing Fidelity gain data? XRay calculates it from your cost basis automatically.
LEDGER
💰
Live dividend tracker
Connect your free Finnhub API key and see your estimated annual dividend income per position, total portfolio yield, and monthly income run rate — updated live.
LIVE DATA
🌡️
7 macro stress scenarios
Rate change, oil price, dollar index, gold, CPI, PPI, GDP — each with calibrated sector sensitivities based on real historical data. Slide to any scenario and watch your portfolio react.
RISK
🔀
Fund overlap analysis
Holding VGT and QQQ and VIGAX? XRay shows you exactly which companies appear in multiple funds and by how much — so you know your true concentration before the market tells you.
OVERLAP
📉
Options delta exposure
Black-Scholes delta computed live from your CSV. See your net delta exposure per underlying, total dollar delta, and how your spreads behave in each stress scenario.
OPTIONS
How it works

Three steps.
Zero setup.

1
Export from Fidelity
Log into Fidelity → Accounts & Trade → Portfolio → Download positions as CSV. Takes 30 seconds.
2
Drop your file
Drag your CSV into XRay. No account, no upload, no waiting. Analysis runs instantly in your browser.
3
See what you really own
Full exposure breakdown, stress tests, projections, and allocation analysis — all from a single file.
Stress test · NVIDIA −40% · Correlation cascade ON
Total portfolio impact
−$284K
Primary: −$39K · Cascade: −$245K · −10.9% of equity
NVDA direct + funds
−$39K
AVGO ⛓ cascade
−$78K
MSFT ⛓ cascade
−$37K
META ⛓ cascade
−$19K
AMD ⛓ cascade
−$28K
Correlation cascade

The ripple effect most tools ignore

When NVIDIA drops 40%, it doesn't happen in isolation. AMD, Broadcom, Microsoft and Meta all move. XRay uses a 30×30 correlation matrix to calculate exactly how much — and shows you the full damage, not just the direct hit.

Try it with your portfolio →
30×30 correlation matrix 65% transmission factor 13 stress scenarios Live delta on options
🔒

Your data never leaves your browser

XRay runs entirely client-side. Your CSV is parsed locally using JavaScript — it is never uploaded, transmitted, or stored anywhere. There are no accounts, no servers processing your holdings, and no third parties with access to your data.

No upload required
No account needed
No data stored anywhere
Works fully offline
Open in browser, close when done
Iconic investor models

How does your portfolio compare
to the greats?

XRay includes verified sector allocations for six legendary investors. One click shows you exactly how your portfolio differs — and what it would take to match their model.

🟦
Warren Buffett
Berkshire 13F · Q4 2025
Tech 46%, Financials 28%, Consumer Staples 10%, Energy 9%. The ultimate concentration in a handful of wonderful businesses held forever.
🚀
Cathie Wood
ARK Innovation · June 2026
Tech 58%, Health Care 18%, Consumer 10%. Disruptive innovation across AI, genomics, robotics and fintech. The highest-conviction growth model.
📈
Peter Lynch
Magellan Fund era · 29% CAGR
Consumer 22%, Financials 18%, Health Care 15%. Buy what you know. 1,400 positions, diversified across sectors, GARP discipline.
☁️
Ray Dalio
All Weather equity sleeve
International 30%, Tech 22%, broad diversification. Designed to perform in any economic environment — bull, bear, inflation, deflation.
🏛️
David Swensen
Yale Endowment model · 13.1% CAGR
International 28%, broad US equity, REITs. Built specifically for institutional and generational wealth. The benchmark for trust and endowment management.
🦁
Ron Baron
BAMCO Capital · Q1 2026 · $33B
Tech 28%, Financials 18%, Health Care 15%. Long-term concentrated growth. The most similar philosophy to a serious growth investor's actual portfolio.
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you really own?

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Works with Fidelity CSV exports · Fully offline · Free forever