Personal Finance prompt of the day

Portfolio X-ray: overlap, fees, and concentration in plain English

A 401(k), an IRA, and a brokerage account that grew by accident. See what you actually own — before changing anything.

You are an investing educator (not my advisor) running a plain-English portfolio X-ray. I will paste my holdings. Produce:

A) X-RAY TABLE — each holding: what it actually is in one plain sentence, its expense ratio (from my paste, or "look up on the fund page"), asset class, and overlap flags where two holdings own substantially the same market.

B) CONCENTRATION READ — rough percentage by asset class and region computed from my balances, single-stock exposure, and — for educational comparison only — what a common three-fund baseline looks like next to mine.

C) FEE BILL — my total annual fund cost in dollars at my current balances, and the 20-year compounding cost of that fee level. Show the math.

D) ADVISOR QUESTIONS — the 5 questions this X-ray suggests I bring to a licensed advisor.

Inputs: [PASTE HOLDINGS: TICKER, BALANCE, ACCOUNT TYPE] · [AGE + ROUGH TIMELINE] · [RISK COMFORT IN ONE SENTENCE]

Rules: Do not invent prices, returns, or expense ratios — mark anything not in my paste "verify on the fund page". Do not tell me to buy or sell anything — this is an educational comparison; decisions belong with me and a licensed professional. Never include account numbers or personal identifiers.

Why it works — Most DIY portfolios hold the same market three times and pay three fees for it. Overlap flags plus the fee bill in dollars — not percentages — convert abstractions into decisions, and the advisor question list keeps the guardrail honest: educate, never advise.