Your investments have a score. Here’s yours.
The credit score idea, applied to your investments. One number from 300 to 850, built from what you actually own across every account.
Five things decide the number
The weights are fixed and the same for everyone. Resilience carries the most, because how a portfolio behaves in a downturn matters more than anything else you can control.
Resilience
34%How your portfolio holds up when markets turn, not just when they’re calm.
Measured on what the portfolio holds, not on how it happened to perform.
Diversification
25%Whether your holdings are genuinely spread, or only look that way.
We open every fund and count what is actually inside, so overlap you can’t see still shows up.
Efficiency
24%What you keep after fees, taxes and the risk you took to earn it.
Fund costs are compared against the cheapest equivalent exposure available.
Discipline
12%The habits behind the portfolio — rebalancing, patience, not chasing.
Read from account activity over time, not from a questionnaire.
Fit
5%Whether any of it matches what you’re actually saving for.
The smallest weight, because only you can say what the money is for.
What the mark means
The NavIQ mark is a compass, and every part of it stands for something the product actually does.
The ring
Every account, one view
Your accounts don’t sit in one place. The score does — brokerage, retirement, the funds inside them, counted together.
The four marks
Fixed, published weights
Five things decide the number, weighted the same for everyone. Nothing is tuned per user and nothing moves behind the scenes.
The line
What you actually hold
Read from your real holdings and account activity, not from a questionnaire about how you feel about risk.
The arrow
Direction, not prediction
It shows where you stand today and which way to move. It does not forecast markets, and it never tells you what to buy.
What NavIQ does not do
Worth being direct about, because a lot of products in this category leave it vague.
It never moves your money
NavIQ reads your accounts through a third-party linking provider. It cannot trade, transfer or withdraw, it never holds your funds, and it never sees your brokerage password.
It doesn’t tell you what to buy
The score describes how your investments are built today. It is not personalised investment advice, and nothing on the page is a recommendation to buy or sell anything.
It doesn’t cost anything
Linking accounts and getting your score is free, and there are no paid plans at this time. If that changes, pricing will be shown before anyone is charged.
Help us build it
Two minutes, anonymous, and it shapes what we build first. We don’t ask for your email and your answers aren’t linked to your signup.
Take the survey