Did my choices add value?
A broker return rarely answers that. Halio mirrors your dated cash flows into All-World, so you compare like with like where your history supports it.
A calm portfolio second opinion
Invest with more calm. Know what your portfolio really depends on.
Upload a broker export for a free first answer. Halio compares your dated cash flows with All-World and brings forward what deserves attention. Choose Monitor or Reviewed only when you want read-only broker sync.
- Start free with a CSV or Excel broker export
- Your cash flows versus All-World, plus up to three review points
- Read-only broker sync is included with Monitor and Reviewed
Free scan: no account or credit card. Paid broker connections never receive trading permissions.
Broker sync when you want it. A private file scan when you do not.
Monitor and Reviewed include secure read-only connections. The free Clarity Scan starts with your CSV or Excel export.
and more
Free: upload an export from DEGIRO, ING and other supported brokers — the original file stays in your browser.
The real job
You do not need more data. You need to know what matters.
Your broker shows positions and price moves. Halio adds traceable portfolio context so you do not have to reinterpret every market day.
Am I really diversified?
Different ETF names can still lead back to the same companies, currencies and sectors. Look-through makes that concentration visible.
What actually needs attention?
A long list of ratios creates more doubt. Halio starts with the few review points that matter and lets you open the detail only when you want it.
Low effort by design
From one connection to a clear answer.
No questionnaire before your first result and no dashboard tour. Start with what the data can already tell you; add goals and detail later.
Connect once
Use a secure read-only broker connection or upload your export. Halio can read the data, never trade or move money.
Get your Clarity Scan
Within minutes, see your cash-flow-aware benchmark result, actual underlying exposures and the review points supported by your data.
Choose your level of support
Stay with the free scan, keep everything current with Monitor, or add a personal second look with Reviewed.
Reviewed begins once a supported connection or import is complete. Mees reviews the calculations, exposures and trade-offs within one business day; you remain responsible for every investment decision.
Your Clarity Scan
An answer first. The evidence underneath it.
The first screen should lower uncertainty, not display every metric Halio can calculate. Open the deeper analysis only when it helps your question.
1 · Matched benchmark
Did your decisions add value?
Halio places the same dated cash flows into All-World. That makes the comparison much more meaningful than putting two headline percentages next to each other.
Only shown when history and market data reconcile; missing data is never presented as 0%.
Benchmark vs VWCE
Alpha − 1,02%
Jouw portfolioVWCE
jan '25aprjuloktvandaag
1 jaar
+ 6,88%vs + 7,90%
3 jaar (CAGR)
+ 9,12%vs + 10,04%
Sharpe ratio
0,72vs 0,81
Max drawdown
− 14,3%vs − 12,1%
2 · ETF look-through
See what your portfolio really owns.
Look through fund names to the companies, sectors, regions and currencies underneath them. Overlap becomes concrete instead of another abstract ratio.
Every view includes the source date of the underlying fund data.
ETF look-through · sector
8 fondsen → 1.860 positiesTechnologie31%
Financials16%
Gezondheidszorg13%
Consument11%
Industrie9%
Overlap gevonden
Apple zit in 3 van je fondsen — samen 6,2% van je portfolio.
3 · What deserves attention
Start with the signal, not the dashboard.
Halio brings forward the portfolio drivers that are relevant now. Risk metrics and scenarios remain available as supporting detail, not as the first wall you see.
Reviewed members get a named human checking the main review points and their limitations.
Vandaag · Market Watch
08:30 updateGRBetrouwbaarheid 72%
Huidig macro-regime
Groei
10 risico-drivers vandaag
vertaald naar jouw positiesInflatie & rentelet op
hogere yields drukken op je groei-ETF's
Valuta (USD)actief
63% USD-exposure — de eurokoers telt mee
Marktsentimentrustig
VIX laag, geen acute stress
+ 7 meer drivers · look-through dekking 94%
The second-opinion layer
Your broker executes. Halio helps you understand.
Halio never replaces your broker or makes decisions for you. It adds a separate, traceable check of what the broker data means for the portfolio as a whole.
Your broker
Shows the account data.
- Positions
- Transactions
- Price return
HalioThe layer above
Explains what the data means.
- Matched benchmarkyour own dated cash flows compared with All-World
- Actual diversificationlook-through across ETFs, sectors, regions and currencies
- Prioritised review pointswhat deserves attention, with data confidence and limitations
- Calm monitoringkeep the picture current without rebuilding a spreadsheet
- Human second lookincluded with Reviewed once the connected data is complete
Trust
Built to help you understand, never to take control.
A portfolio second opinion only works when the data, limitations and responsibilities are clear. Halio shows its sources and never moves money or places orders.
Read-only access
Broker connections can only read. Halio can never trade and never stores your broker password.
Encrypted in the EU
Stored account data is encrypted on EU servers and protected per row so only your account can read your portfolio.
Try without an account
The free Clarity Scan reads your CSV in your own browser. The file itself is not uploaded.
No data sales
Halio does not sell your data. You can permanently delete your account and stored portfolio data.
Private sharing by default
Share cards show percentages by default. Amounts and quantities only appear when you explicitly enable them.
Unknown never means zero
When data is incomplete, Halio explains the limitation instead of presenting a precise-looking result it cannot support.
Reviewed includes a named human
Mees reviews the calculations, exposures and trade-offs once the data is complete. You can ask follow-up questions during the year; this is not a buy or sell signal.
Every data-processing claim is described in the privacy policy , including which parties process data and why.
Choose how much guidance you want
Start with clarity. Add monitoring or a human second look.
The free scan gives you a first answer. Monitor keeps the complete picture current. Reviewed adds a personal review of the calculations, risks and trade-offs — never an instruction to trade.
Free Clarity Scan
See where you stand
For a first, private and verifiable portfolio check without committing to another dashboard.
€0once
- Cash-flow-aware comparison with All-World where the data supports it
- A first, explainable portfolio risk snapshot
- No account or credit card required to start
- Your CSV is read locally in your browser
Monitor
Keep the picture current
For self-directed investors who want the full analysis and secure broker sync, without a personal review.
€12.99/ month
- Read-only broker connection and automatic refreshes
- Full benchmark, risk, dividend and ETF look-through analysis
- Portfolio Watch and Dutch tax and retirement tools
- Cancel monthly
Reviewed
Add a personal second look
For investors who want Halio plus a named human reviewing what deserves attention.
€299/ year
- Everything in Monitor for twelve months
- A personal second look once your data is complete
- Reviewed within one business day by Mees
- Your three most important review points, in plain language
- Follow-up questions during the year; no buy or sell signals
Consumer prices include VAT. Reviewed starts after a complete supported broker connection or import. The review explains calculations, exposures and trade-offs; it is not personal investment, tax or legal advice.
Know where you stand. Then let the market be.
Start with a private Clarity Scan. Get a cash-flow-aware benchmark and the portfolio review points your data can support — without another overwhelming dashboard.
No account required to start · your CSV stays local