Understanding your wealth analyses
The Analyses page presents seven complementary views of your wealth: statistics, availability, concentration, debt, and three indicative rankings. It uses the values in the document without changing assets, liabilities, or supports.
1. Start by checking the data
Before interpreting an analysis, check under Situation that current values, liabilities, and currency conversions are consistent. A partial total or incorrect data may also make the analysis partial or misleading.
Results may depend in particular on the reference country, asset countries, supports, holding structures, currencies, and entered values.
2. Statistics
The Statistics card counts the items that contribute to positive gross wealth across five dimensions:
- number of valued assets;
- number of represented supports;
- number of represented holding structures;
- number of represented countries;
- number of represented currencies.
An Unspecified category counts as a group when a support, holding structure, or country is missing. This card therefore measures the variety of the available data, not its balance: ten assets can remain heavily concentrated in a single position.
3. Wealth availability
Availability divides asset value according to how soon it can be accessed:
- Immediate: under 24 hours;
- Fast: under one week;
- Medium: under three months;
- Slow: under one year;
- Very slow: over one year.
Current and savings accounts are generally immediate, stocks, funds, and cryptocurrencies fast, while property is classed as very slow. Other families use a timeframe suited to their type.
Each row displays the corresponding share and amount in the main currency. To estimate the share that can be accessed quickly, add only Immediate and Fast. A debt associated with property or REIT fund (SCPI) shares reduces the available value of that asset in this analysis.
A missing conversion may prevent an asset's value from being included. Correct the pair under Properties > Exchange rates.
4. Wealth concentration
Concentration measures the weight of the largest position across five dimensions: assets, supports, holding structures, countries, and currencies. Each row gives the dominant item, its percentage, and a concentration-risk level.
The diversification score combines these five dimensions, with greater weight given to concentration by asset. The radar highlights the dimensions that are least distributed.
The calculation uses only positive gross values. Liabilities and loans do not reduce the displayed exposure: they are examined separately in the debt card.
5. Wealth debt
The debt card brings together five indicators:
- the ratio of remaining debt to gross asset value;
- the ratio of loans to the value of the assets they finance;
- the weight of monthly payments relative to income configured in the budget;
- the share of debt exposed to a variable rate;
- the share represented by the largest loan.
The score and radar summarise these indicators. The lower section also gives the number of loans, remaining principal, monthly payments, remaining interest, and average term when this information can be calculated.
Check outstanding principal, due dates, rate type, and associated assets. Without income configured in the budget, the payment burden relative to income is shown as not applicable; the other dimensions remain available.
6. National ranking
The national ranking places the document’s total net wealth in the reference country. The comparison always uses the reference for one adult aged over 20, regardless of the number of owners. The total is not divided between household members: keep this convention in mind if the file covers several people.
The country is set under Properties; the card’s edit button also lets you change it. The card retains the result and the label Harmonised estimate or Imputed estimate. The round ⓘ button at the top right opens details of the source, method and rates.
The bundled references come from WID, for 2024 at 2025 prices, and are stored in USD. Interpolated results remain indicative; beyond the available thresholds, My Wealth displays a bound rather than inventing an exact percentile.
7. International comparison
The card compares the same net wealth against references for twenty countries, all systematically included. Results are ordered by the statistical position of the wealth. Scroll through the list to see every country.
Six countries — Australia, Canada, Japan, New Zealand, Singapore and Sweden — carry the label Imputed estimate. Their distributions use a statistical estimate in the source; they must not be presented as direct observations equivalent to the other distributions. The other fourteen countries carry the label Harmonised estimate. The information dialog explains these differences.
The card compares neither living costs, taxation nor investment returns. A higher position in a country therefore does not guarantee the same standard of living there.
8. World
The World card places net wealth in the global distribution, using the same comparison convention for one adult. The ⓘ button explains, in particular, that the world reference includes imputed distributions. These details are collected in the dialog to keep the card readable.
9. Understanding comparison currencies
Rankings include nine ECB reference rates dated 16 October 2026, fixed with the catalogue: EUR, JPY, GBP, CNY, CHF, AUD, CAD, HKD and SGD, in addition to USD. In these ten currencies, opening Analyses does not request a portfolio exchange rate solely to display the rankings.
These rates serve as statistical references; they do not replace the rates used to value your assets and liabilities. The ⓘ dialog specifies the date and conversion used. For another currency, an explicit action lets you use or enter a portfolio conversion to USD.
If a conversion actually needed for assets or liabilities is missing, open Checks or Properties > Exchange rates. Affected results remain marked as incomplete.
10. Do not turn analysis into a recommendation
The indicators describe the document based on the entered data. They are not investment recommendations and do not guarantee that an allocation or risk level is suitable for your situation.