In a few minutes
Portfolio X-Ray lets you build your investment portfolio and generate its Morningstar Instant X-Ray™ report in a few steps, without creating an account. Here is each step in detail.
In the builder, enter your assets one by one.
The most reliable way to identify them is with:
With an ISIN or Morningstar ID, the match is usually immediate.
You can also search by ticker (for example NKE, ADBE) or by name (for example "Vanguard FTSE 100"). In those cases:
Recommendation: use the ticker or name only if you do not have the ISIN to hand. Next time, copy it directly from the fund factsheet — it will save you steps.
If the system cannot find the product:
You cannot add the same asset twice (same ISIN, ticker or Morningstar ID).
Percentage mode
You enter the weight of each position. The total must reach 100% to generate the X-Ray. The tool always shows the accumulated total and what is still missing.
Amount mode
You enter the amount of money invested in each position, and the builder calculates the percentages automatically. In this mode the numbers do not need to add up to a specific total: positive amounts are enough.
Amount privacy
When every asset is resolved and the total reaches 100% (in percentage mode), press Generate X-Ray. Your builder builds a link with your assets and weights and sends it to renta4banco, which generates the Morningstar Instant X-Ray™ report from that data. We do not create the PDF ourselves: it is generated on the spot through that service.
From there you can:
Instant X-Ray mainly covers UCITS funds, ETFs, ETCs and stocks. It is not designed for pension plans (PP), EPSV/PPSI or hedge funds (FIL). If you add them, we will warn you that they are not recommended and the report will omit them.
You can save your portfolio with a name, an optional description and a visibility setting, and share a link with anyone you want. Anyone who opens that link will see the same composition in the builder and can generate the X-Ray, adjust it or save it as their own.
There are two types of link:
To save you need an account with a verified email. If you have not signed in yet, pressing "Save" will ask you to register or sign in, and you can then finish saving without losing what you had already built.
When you save, you choose the visibility of your portfolio:
| Feature | Public | Private |
|---|---|---|
| Appears in Explore | Yes | No |
| Others can open it, copy the link and mark it as a favourite | Yes | No |
| You can open it in the builder | Yes | Yes |
| Cash amounts are shown | No | Only you, in your builder |
By default a new portfolio is created as public, although you can change it later from the builder toggle or when you edit it.
In My portfolios you can see all of yours (public and private), open them in the builder, edit their name, description or visibility, view their X-Ray or delete them.
Explore portfolios shows only other users' public portfolios (plus your own public ones). From there you can:
Favourites: on any public portfolio that is not yours, you can add it to favourites and find it later in My favourites. You need to be registered.
Comments: on a portfolio's public page you can comment, edit or delete your own comments. This also requires an account — if you comment without signing in, you will be asked to register and the text you wrote is not lost.
Creating an account is optional to generate an X-Ray, but required to save portfolios, add favourites or comment. With an account you can:
Registration requires confirming that you are 18 and accepting the terms and privacy policy. After registering with email, you must verify your email (the verification link expires in 24 hours) before you can save portfolios.
Still not sure what an X-Ray actually is or how to interpret its results?
Read the guide What is a portfolio X-Ray and how to read it to understand each block of the report.