# Portfolio

A portfolio is the complete collection of your financial investments — stocks, bonds, mutual funds, ETFs, real estate, and other assets. Your portfolio's composition determines your risk exposure and expected returns.

## Why it matters

Most people's investments are scattered across old 401(k)s, IRAs, brokerage accounts, and maybe a spouse's accounts. Without seeing the full picture, you can't know your true asset allocation, total fees, or concentration risk. A unified portfolio view is essential for making informed investment decisions.

Example

A well-constructed portfolio for a 35-year-old might include: 60% U.S. stocks, 20% international stocks, 15% bonds, and 5% REITs, spread across a 401(k), Roth IRA, and taxable brokerage account.

## How Ray helps

Ray connects to all your investment accounts and shows a consolidated portfolio view. Ask to see your complete holdings, allocation, and performance in one place.

Terminal

`$ ray "show me my full investment portfolio across all accounts"`

## Related terms

[Asset Allocation](/content/learn/asset-allocation/index.html) - Asset allocation is how you divide your investment portfolio among different asset classes — stocks, bonds, real estate, and cash.

[Diversification](/content/learn/diversification/index.html) - Diversification means spreading investments across different asset classes, sectors, and geographies to reduce the impact of any single investment's poor performance on your overall portfolio.

[Net Worth](/content/learn/net-worth/index.html) - Net worth is the total value of everything you own (assets) minus everything you owe (liabilities).

[Index Fund](/content/learn/index-fund/index.html) - An index fund is a type of mutual fund or ETF designed to track the performance of a specific market index, like the S&P 500.

[Mutual Fund](/content/learn/mutual-fund/index.html) - A mutual fund pools money from many investors to purchase a diversified portfolio of stocks, bonds, or other securities.

## Try Ray free

Open source, local-first, and takes five minutes to set up.

`$ npm install -g ray-finance`  
[View on GitHub](https://github.com/cdinnison/ray-finance)