How It Works
Four simple steps to optimize your portfolio
Register and upload portfolio
Create a free account and enter the ISIN codes of your funds with invested amounts. Takes less than 5 minutes.
Automatic analysis
Our system analyzes each fund evaluating transparency, reference benchmark, historical performance and cost structure.
Receive the judgement
Each fund receives a judgement: Valuable (keep it), Replaceable (better alternatives exist), Expensive (costs not justified) or NCA.
Get the report
Unlock the complete report with the list of substitute ETFs, optimal allocations and operational instructions.
Our methodology
We analyze each fund on three fundamental dimensions to calculate its Value for Money score
Costs
TER, performance fees and hidden costs that erode returns.
Performance
Performance vs benchmark and equivalent ETFs over 3 and 5 years.
Transparency
KID quality, benchmark adherence and clarity on risks and strategy.
Portfolio Analysis
Each fund is classified into one of these categories
Keep it
Better ETFs available
High costs
Not classifiable
Complete Database
Independent Analysis
Detailed Report
Data & transparency
Value for Money has no commercial relationships with fund managers, banks or insurance companies. Our analyses are produced exclusively in the interest of investors, without commissions or incentives from third parties.
This is what your analysis looks like
Demo portfolio with 2 real Italian funds — €50,000 invested
Portfolio Positions
| Fund | Amount | TER | Cost/year |
|---|---|---|---|
| Equity Fund | €25.000 | 2,10% | €525 |
| Bond Fund | €25.000 | 1,10% | €275 |
✅ Free · ⚡ Results in 2 min · 🔒 Secure data