Investments is now live in Bonsave on the web and in the iOS app. We’ve supported tracking investment accounts since the beginning, but this is something different.
Open any other personal finance app and you’ll see a list of accounts and funds. Each one has a balance and how much it changes over time. But funds don’t tell you much beyond their ticker name. Each fund ultimately holds a collection of companies, but to see how much of each company you actually own, you have to dig deeper.
Bonsave Investments automatically pulls the disclosures funds are legally required to file, adds up the companies inside them, and shows you what you actually own. If three of your index funds hold Nvidia, you see one Nvidia position with one dollar figure, plus how much of it came through each fund and each account.
This allows you to answer questions like: How much Apple stock do you really hold? How much of your whole portfolio is the same seven tech companies? Are your four funds actually that different? The answers are often surprising.
I learned the answer to that last one from my own accounts. When I first ran this on them, four of my funds (VTI, FXAIX, SPYM and ITOT) overlapped by 85 to 96%. I’d spread money across them over the years, opening an account here, rolling over a 401(k) there, and each choice made sense at the time. Together they were mostly the same stuff, so the idea that I was diversifying was mostly an illusion.
With that information, I can now go and make sure I don’t concentrate my money in funds that overlap. This means I can diversify to a degree that’s meaningful, and see how that plays out over time.
What you actually own
The overview leads with a map of your biggest companies, sized by the dollars you hold in each one across every account and every fund. The colors are sectors. The thin bar along the bottom of each tile is the part you hold directly: shares you bought yourself, not through a fund.
This is the screen I open most. It turns a vague sense (“I’m diversified, I own index funds”) into a picture you can argue with. In the sample portfolio above, the three biggest tiles add up to over a quarter of everything invested, and most of that weight was never a decision anyone made. It’s what happens when most of your funds track the same index and that index is top-heavy.
Above the map, two numbers flag concentration: your largest single position and your top ten as a share of everything. Below it, allocation splits three ways (asset class, sector and region), with anything the fund filings couldn’t place shown separately rather than guessed at.
One company, owned five ways
Every company and fund gets its own page. The part I care most about is “How you own it”, which breaks a position into the ways you own it: directly, or through the funds you hold.
Someone with this portfolio might think of their Nvidia position as the $4,900 they bought on purpose. That’s less than a third of it. The other 70% arrived quietly, through funds bought for unrelated reasons. Each row shows how much of the fund the company makes up, so you can see that the QQQ route is small in dollars but heavily weighted.
Underneath, “Compared with the market” sets the company’s share of your US stocks against its share of the whole US market. Here that’s 14.6% against 9.8%. That’s not a verdict. Maybe you meant to overweight Nvidia. But now it’s a choice you can see rather than one that happened to you.
Funds that hold the same things
The Funds tab is where my own 85-to-96% discovery lives. It compares every pair of funds you hold on what’s inside them, by weight. Funds that share most of their holdings are grouped together and shown as a grid.
Overlap isn’t a mistake by itself. Different accounts often only offer different funds, and your 401(k) menu doesn’t care what’s in your IRA. It does mean those funds add very little variety to each other, which is worth knowing before you buy a fourth one for “diversification.”
Where your money sits for taxes
The Accounts tab answers a question most people only ask in April: how much of this is in tax-sheltered accounts, and how much is taxed every year?
The split matters more than it looks. A dollar in a Roth and a dollar in a 401(k) are not the same dollar when you eventually spend it, and the mix decides how flexible you’ll be later. If you’re planning an early retirement, the taxable slice is usually what you live on before the retirement accounts open up. That ties straight into Projections, which already plans around your real balances.
On your phone too
Investments is in the iOS app under More. You get the overview, the full searchable list of holdings (including the small ones buried deep inside your funds), and a screen for every company and fund. Tap from a company to a fund to another company and back, as far down as you like.
The Funds and Accounts tabs are web-only for now.
Where the numbers come from
Your positions come from the brokerages you’ve connected. What’s inside each fund comes from the holdings reports funds file with the SEC. Bonsave opens nested funds too, so a target-date fund is broken down into the stocks and bonds it ends up holding, not just the handful of other funds it wraps.
Two honest limitations. First, those filings run 60 to 150 days behind, so the inside of a fund is a recent snapshot, not today’s. Every page says which date it’s using. For broad index funds this barely matters, because their contents change slowly. Second, Bonsave can’t see inside holdings you add by hand. A manually entered 401(k) or crypto balance still counts toward your total and shows up in your list, marked as added by you, but it isn’t broken down.
Try it
Investments is included in every Bonsave plan, starting with Pro at $7 a month after a 14-day free trial. If you already have a brokerage connected, open Investments and it will have something to show you right away.
If you’d rather look around first, the live demo runs the real page on the same sample portfolio as the screenshots here, with no account and no signup. Start with the map, then click the biggest tile. You’ll probably find you own it more ways than you thought.