FundAlign Free to try. Just enter your tickers.
Most investors are holding the same stocks FundAlign analyzes the actual holdings inside every mutual fund and ETF in your retirement plan — then exposes the hidden overlap and rebuilds your allocation in minutes.
If you own multiple ETFs, there's a high chance you own the same stocks repeatedly.
🔒 No financial account access required · We only need ticker symbols · Your data is never sold.
Analyzes mutual funds & ETFs · Identifies hidden overlaps · Works with any 401K plan
This is what overlap actually looks like Same number of funds. Completely different exposure.
BEFORE
The illusion of diversification
5 funds. Looks diversified. Actually isn't.
Funds held 5
Average overlap 68%
Apple held in 5 of 5 funds
Microsoft held in 4 of 5 funds
You're paying expense ratios on 5 funds for what amounts to 1.6 funds of real exposure.
AFTER
Real diversification
5 funds. Each one earning its place.
Funds held 5
Average overlap 18%
Asset classes covered 6
Top stock concentration Below 3%
True diversification across US large cap, US small cap, international, emerging markets, bonds, and real assets.
You're paying for diversification you're not getting.
Works with both ETFs and mutual funds · Same plan, same number of funds, same risk profile
How it works 1
Add your plan's funds
Enter the ticker symbols available in your specific 401K plan — even if you only have 5 options.
2
We analyze the holdings
Our AI pulls the actual underlying securities for each fund and maps the overlaps.
3
Get your allocation
Receive a diversification-optimized allocation with rationale for every position.
What you get ◎
Overlap detection
Discover when two funds hold the same stocks — so you're not paying for fake diversification.
◈
AI-powered analysis
Claude analyzes the actual underlying holdings of every fund and ETF in your plan.
◉
Efficient allocation
Get a precise allocation that maximizes diversification and minimizes expense drag.
◐
Risk-adjusted
Tailor the portfolio to your risk tolerance and years to retirement.
Simple pricing Free
$0No credit card needed
✓ 1 free analysis
✓ Up to 3 funds
✓ Overlap matrix
✗ Optimized allocation
✗ Allocation rationale
Get started free 1 analysis
$1.99one-time
✓ 1 analysis credit
✓ Up to 20 funds
✓ Full overlap matrix
✓ Optimized allocation
✓ Why these weights explained
✓ Never expires
Buy 1 analysis Most popular
5 analyses
$7.99one-time
✓ 5 analysis credits ($1.60 each)
✓ Up to 20 funds
✓ Full overlap matrix
✓ Optimized allocation
✓ Why these weights explained
✓ Never expires
Buy 5 analyses