Portfolio X-Ray AI Analysis tool shows same results regardless of asset allocation

System
System Member admin
edited February 14 in Investing (Windows)

This discussion was created from comments split from:

Portfolio X-Ray not recognizing ETF stock funds

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  • Langston Holland
    Langston Holland Quicken Windows Subscription Member ✭✭✭
    edited February 14

    Portfolio X-Ray update:

    AI doesn't work yet, no matter what assets are screened, it thinks you have nothing but cash or bonds.

    Attached is the Vanguard total US stock market ETF (VTI) alone. Asset allocation is correct and the Stock Intersection report is correct, but the AI doesn't see it apparently.

    AI Error.png

    (R66.12, Quicken Classic for Windows, annual subscription, Win11, Parallels on a 2023 Mac with ARM chip)

    Just for fun - here's what the Grok AI said about my VTI-only Roth IRA:

    This 100% VTI portfolio delivers pure, low-cost exposure to the entire U.S. stock market, embodying maximum growth orientation and very high risk tolerance through complete equity commitment with no fixed-income or international diversification. Historically strong long-term returns come with elevated volatility and deep drawdowns (e.g., 50%+ losses in major bear markets), making it highly sensitive to U.S.-specific economic cycles, valuations, and currency strength. Held in a retirement account, it benefits from tax-deferred or tax-free compounding, ideal for young accumulators with decades-long horizons who can withstand severe fluctuations. However, it carries substantial sequence-of-returns risk near or in retirement and lacks any ballast, rendering it unsuitable for conservative investors or those needing near-term stability.

    God bless you and your precious families - Langston
  • Quicken Kristina
    Quicken Kristina Quicken Windows Subscription Moderator mod
    edited February 17

    Hello @Langston Holland,

    Thank you for letting us know about this issue! I tested in my Quicken file and saw the same behavior. Regardless of the asset allocation, the AI Analysis always provides the same evaluation.

    I forwarded the issue to the proper channels for further investigation and resolution. To contribute to the investigation, please navigate to Help>Report a Problem and send a problem report with log files attached.

    Report a Problem QWin.png

    While you will not receive a response through this submission, these reports will help our teams in further investigating the issue. The more problem reports we receive, the better.

    We apologize for any inconvenience!

    Thank you.   

    (CTP-16331)

    Quicken Kristina

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  • Langston Holland
    Langston Holland Quicken Windows Subscription Member ✭✭✭

    Just made the problem report within Quicken. Thanks again Kristina. :)

    God bless you and your precious families - Langston
  • Quicken Kristina
    Quicken Kristina Quicken Windows Subscription Moderator mod

    Thank you for providing that problem report!

    It will help our teams investigate the issue!

    Quicken Kristina

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  • Jim_Harman
    Jim_Harman Quicken Windows Subscription SuperUser ✭✭✭✭✭
    edited February 14

    I see the same behavior. Thanks for reporting this @Langston Holland. I tried with with nothing but an international fund and it says I have very low exposure to foreign stocks.

    My title would have been "Portfolio X-Ray AI is not very intelligent"

    QWin Premier subscription
  • rjgrichmond
    rjgrichmond Quicken Windows Subscription Member, Windows Beta Beta

    Same problem here with AI analysis - my International Stock exposure is 38% (with VXUS) yet AI analysis says I "have a very low exposure to foreign stocks".

    Chat Gpt says:

    🌍 What your regional allocation shows

    This section reflects only the stock portion of your portfolio.

    Your stock allocation by region:

    • Americas: 62.88%
      • North America: 62.02%
    • Greater Europe: 17.50%
    • Greater Asia: 19.62%

    👉 Non-U.S. stocks total ≈ 38% of equities

    That is not low.

    🌎 How this compares globally

    Global market weight (approx):

    • U.S.: ~60–62%
    • International: ~38–40%

    👉 Your equity exposure is almost exactly global market weight.

    This is considered:

    ✅ well diversified
    ✅ globally balanced
    ✅ academically optimal (market-cap weighting)

    🤔 Why the AI message says “low foreign exposure”

    The confusion comes from the Benchmark % column:

    • Americas benchmark: 99.48
    • Europe benchmark: 0.41
    • Asia benchmark: 0.11

    This suggests the benchmark used is U.S.-centric, likely:

    ✔ S&P 500 benchmark
    ✔ U.S. Total Market benchmark
    ✔ A U.S.-only model index

    So the system thinks:

    “Benchmark = almost 100% U.S.”
    “Your portfolio = 62% U.S.”
    → flags deviation

    But instead of saying “overweight international,” it incorrectly says “low foreign exposure.”

    Screenshot 2026-02-16 at 9.26.03 AM.png

    This is a software logic or template error, not an investment issue.

  • Quicken Kristina
    Quicken Kristina Quicken Windows Subscription Moderator mod

    Thank you for your replies @Jim_Harman & @rjgrichmond,

    Thank you for letting me know you are also seeing this issue. I added you to the ticket.

    Thank you!

    Quicken Kristina

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