NRI Portfolio Tracking & Investment Management Platform

Our AI scores have a 67% prediction accuracy rate over 3-month periods, validated through 8+ years of historical backtesting on real market data. The scoring system analyzes over 10,000 data points per stock daily, including technical indicators, fundamental metrics, and market sentiment signals. This accuracy rate has been independently verified and represents real out-of-sample testing, not curve-fitted results. The scores range from 1 to 10, with stocks scoring 9-10 historically outperforming the market by 21% annually during our backtest period. We use ensemble decision trees that combine multiple analytical approaches rather than relying on a single method. This gives you probability-based insights rather than guarantees, helping you make more informed decisions about which holdings to keep, add, or remove from your portfolio.

You can connect your US investment accounts through Plaid, which supports virtually all major US brokerages including Fidelity, Vanguard, Charles Schwab, Robinhood, E*TRADE, TD Ameritrade, and hundreds of others. For India, we use the Reserve Bank-approved Account Aggregator framework, which connects to mutual funds, stock brokers like Zerodha and Groww, and other regulated financial institutions. This makes InvestMates the only platform offering comprehensive analytics across both markets. The connection process takes just a few minutes. Your login credentials are handled directly by Plaid and Account Aggregator, not stored on our servers. All connections are read-only, meaning we can view your holdings and transactions to provide analytics, but we cannot move money, place trades, or make any changes to your accounts. Once connected, your portfolio data syncs automatically every day after market close.

Yes. We use bank-level 256-bit SSL encryption for all data transmission and storage, the same security standard used by major financial institutions. Your account credentials are handled by Plaid (for US accounts) and Account Aggregator (for India accounts), both of which are regulated financial data platforms used by thousands of banks and financial services. We never see or store your actual login passwords. All account connections are strictly read-only. InvestMates can view your holdings, balances, and transaction history to generate analytics, but we have zero ability to move funds, execute trades, or modify your accounts in any way. Your data is encrypted both in transit and at rest. We also undergo regular security audits and follow industry best practices for data protection. You can disconnect any account at any time from your settings.

We provide data-driven analytics and insights, not personalized investment advice. Portfolio Analytics shows you objective information about your holdings, including AI scores, fee comparisons, concentration risks, and improvement opportunities. You make all investment decisions yourself. We are not a registered investment advisor and do not tell you specifically which stocks to buy or sell. However, our analytics are designed to be highly actionable. When we identify a high-fee fund, we show you the exact dollar amount you are paying compared to similar alternatives. When we spot an underperforming stock, we show you its AI score and historical performance relative to benchmarks. When we detect concentration risk, we show you the specific allocation percentages. This gives you the information you need to make your own informed decisions without us crossing the line into providing financial advice.

Your Portfolio Health Score is a weighted average of all your individual holdings, combining their AI scores, fee levels, and diversification metrics into a single number from 0 to 100. Higher-value positions have more weight in the calculation, so your largest holdings impact your overall score more than smaller positions. A score of 85 or above is considered excellent, 70-84 is good, and below 70 suggests your portfolio needs attention. The score updates daily as market conditions change and new data comes in. When you click on your health score, you can see exactly which investments are helping or hurting your overall rating. This transparency lets you understand not just what your score is, but why it is that number and what you can do to improve it. The score is particularly useful for tracking progress over time as you implement portfolio improvements.

Yes. InvestMates is specifically built for investors managing wealth across India and the US. You will see your complete portfolio in a unified dashboard with all holdings from both countries in one place. You can view your net worth in your preferred currency, see your total asset allocation across all accounts, and identify concentration risks you might miss when using separate apps for each country.

The cross-border investment tracking view is particularly valuable for NRIs and global investors who often have retirement accounts in the US, mutual funds in India, stock holdings in both markets, and need to understand their complete financial picture. For more comprehensive guidance on managing your finances as an NRI, check out our detailed guide on financial planning for NRIs in USA.

Our Portfolio Health Score analyzes holdings from both countries together, giving you a truly consolidated assessment. You can also filter views by country, account type, or asset class when you want to focus on specific segments.

We automatically detect three main types of issues in your portfolio. First, high fees where you are paying 3x or more than similar funds, showing you the exact dollar amount you could save annually by switching to lower-cost alternatives. Second, low-quality holdings with poor AI scores that are statistically underperforming, giving you clear data on which positions might be dragging down your returns. Third, concentration risks where you have too much exposure to a single sector, stock, or asset class.

Each opportunity is quantified with specific numbers through our AI portfolio analysis for NRIs. Rather than vague suggestions, you will see "$2,400 per year saved" or "potential 15% improvement" or "reduce volatility by 12%." The opportunities are prioritized by potential impact, so you can focus on changes that make the biggest difference.

Want to learn more about how AI is transforming investment decisions? Read our guide on AI financial advisors to understand the broader impact of AI in wealth management.

You are never obligated to act on any opportunity, these are simply insights to help you make better decisions about your portfolio.

Your portfolio holdings and balances sync automatically every day after market close for US accounts and daily for India accounts. AI scores for stocks are recalculated daily based on the latest market data, technical indicators, fundamental metrics, and sentiment signals. This means you are always looking at current analysis, not stale information from weeks ago. Price data updates in real-time during market hours, so your portfolio value reflects current market prices. Transaction history typically syncs within 24-48 hours of trades or other account activity. If you want to force a refresh, you can manually trigger a sync from your account settings. The daily automatic updates happen in the background without you needing to do anything.

Yes. Portfolio Analytics is valuable at any portfolio size because the insights scale to your situation. Even with $50,000 invested, if you are paying high fees you could be losing thousands in returns over time. If you own stocks with poor AI scores, you are taking on unnecessary risk regardless of portfolio size. The earlier you optimize your portfolio, the more time you have for those improvements to compound. Many of our users with smaller portfolios find the most value in the fee analysis and AI scores. Discovering that one of your holdings is charging 2% annually when you could get similar exposure for 0.2% is important whether you have $50,000 or $500,000 invested. The AI scores help you avoid common mistakes like holding onto underperforming stocks due to emotional attachment or incomplete information. The free version gives you scores for up to 10 holdings, which covers most smaller portfolios completely.

Three things set us apart. First, we are the only platform offering AI-powered stock scoring with 8+ years of validated backtesting for both US stocks and India holdings. Most apps just show you what you own, we tell you which holdings are statistically likely to outperform or underperform based on 10,000+ signals per stock. Second, we provide complete cross-border analytics for India and US investments in one unified view, powered by Plaid and Account Aggregator. No other app gives NRIs and global investors this comprehensive coverage. Third, we focus on actionable opportunities, not just pretty charts. When we identify an issue, we quantify it with specific dollar amounts or percentage improvements. Our Portfolio Health Score gives you a single number that captures your portfolio quality, making it easy to track progress over time. We are not trying to manage your money or sell you investment products, we are giving you professional-grade analytics so you can manage your own portfolio with confidence. The platform is built by investors for investors who want data, not opinions.