# Dr. Jeannot Muller Consulting & Publishing > PulseFolio puts your Parqet portfolio on iPhone and Apple Watch, Pecuniator and ParqSafe analyze and back it up on Mac and Windows, and EquityLens shows what's inside your ETF. Privacy-first apps by Dr. Jeannot Muller. # Apps ## PulseFolio Your Parqet portfolio, right on your wrist URL: https://jeannot-muller.com/apps/pulsefolio/ Platforms: iPhone, Apple Watch Download on the App Store: https://apps.apple.com/us/app/pulsefolio/id6761748870 PulseFolio brings your Parqet portfolios to your Apple Watch — at a glance, right on your watch face. PulseFolio now also supports the iPhone Duo, Apple’s first foldable iPhone. New: get a notification when your portfolio moves more than 1, 2, 3 or 5 % in a trading day, switch Anonymous Mode from Control Center, and keep your widgets fresh in the background. Combine several portfolios — or all of them — into one consolidated view of performance, holdings, dividends, and activity, even across different currencies, and give each portfolio a short custom name that appears everywhere. Portfolios with multiple broker sub-depots can now be viewed per sub-account too — pick a single sub-depot, or combine several, and rename them; the selection works on iPhone, Apple Watch, complications, and widgets alike. Add corner, circular, rectangular, or inline complications showing your gain/loss, return percentage, and trend indicator — with a sparkline on the Rectangular style, a magnitude-aware Circular gauge so small gains show small arcs, and a different portfolio per complication if you want. Move between 1D, 1W, MTD, and YTD with the Digital Crown, switch return metric (TTWROR or IZF/XIRR) directly on the watch, see both metrics side by side, and tap into the Stats view for the period high, low, drawdown, range, and a full return breakdown. The Statistics view also surfaces a market sentiment reading (0 extreme fear → 100 extreme greed) and the major US volatility indices, mirroring the new Markets tab in the iPhone app — which adds a one-year chart, seven Fear & Greed sub-indicators, and previous-close / 1W / 1M / 1Y comparisons with links back to the original publisher. On iPhone, the dashboard now also opens an interactive performance chart of your time-weighted return with touch scrubbing, an allocation donut, and a dividend breakdown — net, gross, and withholding tax with a per-holding split — and you can ask Siri for your latest numbers hands-free. Pull to refresh anytime — an "updated X minutes ago" timestamp keeps you honest — or let complications auto-refresh during market hours and surface in the Smart Stack. The companion iOS app adds a Watch sync status row, a setup checklist, sortable Top Holdings, an infinite-scroll Recent Activity feed, Preview Demo Data for trying things out without signing out, and a trend color palette (Classic, Color-Blind Friendly, or Monochrome). Settings sync live between iPhone and Watch with no relaunch needed, and OAuth 2.0 with PKCE means PulseFolio never sees your Parqet password. Available in English, German, French, Italian, Spanish, Portuguese, Danish, and Polish — and PulseFolio’s language can differ from your iPhone’s. ### Watch Face Complications Add your portfolio performance to any watch face. Choose from corner, circular, rectangular, or inline complications showing your gain/loss, return percentage, and trend indicator. The Rectangular style includes a sparkline, the Circular gauge is magnitude-aware so small gains show small arcs, and tapping any complication opens its portfolio in the app. You set both the interval and the return metric — TTWROR or XIRR — the complication shows in iPhone Settings → Watch Face. Smart Stack relevance surfaces PulseFolio during market hours, and VoiceOver now reads each complication with the full portfolio, value, and trend. ### Move Alerts Get a notification when your portfolio moves more than 1, 2, 3 or 5 % in a trading day — up or down. PulseFolio alerts at most once per trading day and portfolio, the iPhone sends it and your Apple Watch taps your wrist, and amounts stay hidden while Anonymous Mode is on. Turn it on in Settings → Alerts. ### A Portfolio per Complication Track multiple portfolios from the same watch face. Long-press the face, edit a complication slot, and pick which portfolio it should show. Tapping a complication opens its own portfolio in the app — no manual switching, so your savings plan, long-term ETF basket, and high-conviction picks can all live side by side. There’s also a new Selected Portfolio complication that always follows whichever portfolio you pick on your iPhone — set it once, with no need to re-add it when you switch. ### Combine Multiple Portfolios Select several portfolios — or choose All Portfolios — and see them as one consolidated view: performance, holdings, dividends, and activity all together. It works everywhere — iPhone, Apple Watch, widgets, and complications — and portfolios held in different currencies are merged accurately into your base currency. Pair it with a portfolio per complication to watch each account on its own and the whole picture at a glance. ### Broker Sub-Accounts Portfolios with multiple sub-depots at the same broker can be viewed per sub-account — expand the portfolio in the picker and tap one. Combine two or more sub-depots into an aggregated view, rename them to tell identically named depots apart, and use any sub-account selection in the watch app, complications, and widgets. Parqet filters server-side, so the numbers match the website exactly. ### Rename Your Portfolios Give your portfolios short, custom names that appear everywhere — iPhone, Apple Watch, complications, and widgets. A tidy label reads far better on a tiny watch complication than a long, broker-generated account title, and it makes a stack of complications instantly recognisable at a glance. ### Both Metrics, Side by Side Switch between TTWROR and IZF/XIRR right on the watch — and see both at once. The unselected metric shows alongside the headline so you never have to choose blind. A 7-day delta on the main view stays visible regardless of the period you pick. ### iOS Companion App Connect your Parqet account on iPhone, select your portfolio, and configure metric, period, and trend color palette. A Watch sync status row shows reachability and the last update, and a setup checklist walks you through pairing, installing the Watch app, and adding complications. Settings sync live between iPhone and Watch — change something on either device and the other updates immediately, no app relaunch required, with faster, more reliable catch-up after the watch returns from off-wrist. On iOS 26, the app adopts the new Liquid Glass design where it fits. ### Home & Lock Screen Widgets Keep your portfolio on your iPhone Home Screen and Lock Screen, not just your wrist. The widgets show the metric and time period you choose, respect Anonymous Mode, and update instantly when you change those settings — and they now keep refreshing in the background instead of freezing until you open the app. On iOS 27 there’s also an extra-large size with a bigger chart and more stats. ### Anonymous Mode, One Tap Away Anonymous Mode replaces every amount with ••• on iPhone, Apple Watch, and complications, while percentages and charts stay visible. On iOS 18 and later, switch it from Control Center, the Lock Screen, or the Action button — no need to open the app. ### Interactive Performance Chart Right from the iPhone dashboard, open an interactive chart of your time-weighted return. Scrub with your finger to read the cumulative return on any date — rebased to zero at the start of the selected period — and switch periods from 1D to Max to see how your portfolio got here. A new drawdown chart on the same performance screen shows how far your portfolio has fallen from its running peak over time — so the rough patches are as clear as the runs up. ### Allocation Donut See at a glance how your portfolio is split across your holdings. A colour-coded donut chart sits above a ranked breakdown, so the weight of each position — and any concentration you might want to rebalance — is obvious in a second. ### Dividend Breakdown See your dividend income net, gross, and withholding tax at a glance for any time period, plus a per-holding breakdown showing which positions actually pay you. Change the period to compare a single quarter against the full year to date. ### Ask Siri Say "Portfolio performance in PulseFolio" and hear your latest numbers hands-free — no need to unlock your iPhone or open the app. ### Privacy First PulseFolio connects directly to the Parqet API through Parqet’s secure OAuth 2.0 flow — the app never sees your password. Credentials live in the iCloud Keychain on your devices. And when you sign out, PulseFolio fully clears your cached values from every widget and complication, so nothing lingers on a device you hand on. ### Eight Languages — Your Choice PulseFolio speaks English, German, French, Italian, Spanish, Portuguese, Danish, and Polish — the iPhone app, watch app, complications, widgets, and Shortcuts. It can even run in a different language than your iPhone: Settings → Language. ### Switch Periods with the Digital Crown Turn the Digital Crown to move between 1D, 1W, MTD, and YTD — each period is a full page that fits on one screen, even on smaller watches. Customise one slot to swap in 1M or 1W from iPhone Settings, and open the full picker for 3M, 6M, 1Y, 3Y, 5Y, 10Y, or Max — all switchable directly on the watch, no need to reach for your iPhone. Combined VoiceOver labels keep navigation accessible, and switching is light on data and battery. ### Stats View Open Stats directly from any dashboard page — it shows the period high and low, drawdown from the high, total range, and a full breakdown of returns for exactly the interval you opened it from. At the bottom, it also tells you which interval and metric (TTWROR/XIRR) your watch-face complication is set to — context the headline number alone can’t tell you. ### Markets Tab — Sentiment & Volatility A new Markets tab brings a market-sentiment index from 0 (extreme fear) to 100 (extreme greed) with a one-year chart and seven component sub-indicators, alongside live readings of the major US volatility indices with comparisons to the previous close, 1 week, 1 month, and 1 year. Tap any item for the full detail view and a link back to the original publisher. On Apple Watch, the headline sentiment reading and volatility values appear in the Statistics view, so you can pulse-check the mood of the market without reaching for your iPhone. ### Top Holdings & Recent Activity Dive deeper inside the iPhone app: a Top Holdings section with a full sortable list, and a Recent Activity feed with infinite scroll for buys, sells, dividends, and transfers — all pulled live from your Parqet account. ### Preview with Demo Data Want to try PulseFolio before connecting your account — or show a friend without signing out? Switch on Demo Data to explore sample numbers across every screen. Demo-mode pills and "cached" hints make it obvious when you’re looking at sample data or values that are hours old. ### Trend Color Palettes Choose Classic (green/red), Color-Blind Friendly (blue/orange), or Monochrome in iPhone Settings → Appearance. A live preview shows your pick instantly, and the choice carries through to your watch face. ### Auto-Refresh During Market Hours Complications refresh automatically every 15 minutes during market hours so your watch face always reflects the latest portfolio state. Need a fresher number on demand? Pull to refresh or double-tap any dashboard page on the Watch. When values are hours old, a subtle "cached" hint surfaces in the app so you always know what you’re looking at. ### Background Refresh Background refresh keeps complications up to date even when you’re not actively using the app — without draining your battery. Recent updates make Apple Watch complication refreshes even more efficient, so you get fresh numbers with less of a hit to battery life. ### Resilient Connectivity PulseFolio handles flaky networks gracefully. Smarter retries kick in while the Watch radio wakes up — fewer "couldn’t refresh" failures — connection issues show as an inline banner so your cached numbers stay visible, rate limits include a live countdown, and a Retry button appears on the Watch when setup hasn’t reached it yet. ### Secure OAuth 2.0 with PKCE Authentication uses OAuth 2.0 with PKCE against the official Parqet API. Tokens are stored in the iCloud Keychain — never in plain text or on third-party servers. ### FAQ **Why does the watch face complication show a different time period than the iPhone dashboard?** These are two separate settings on purpose. The "Time Period" picker at the bottom of the dashboard only changes what you see inside the iOS app, so you can flip between 1D, 1W, MTD, and YTD freely. The complication on your watch face reads its own settings under iOS app → Settings → Watch Face — where you pick both the interval and the return metric (TTWROR or XIRR) it shows — and stays pinned there, typically on a long-term view like YTD or 1Y. Keeping the two pickers independent means your complication’s baseline does not shift every time you swipe through different periods on the iPhone; you only change it when you deliberately update that setting. **What does PulseFolio do?** PulseFolio displays your Parqet portfolio performance directly on your Apple Watch face as a complication. It shows portfolio value, absolute gain/loss, percentage return, and a trend indicator — refreshed automatically during market hours. A companion iOS app lets you select the portfolio, the return metric (TTWROR or IZF/XIRR), and the time period. **What do I need to use PulseFolio?** You need a Parqet account (parqet.com), an iPhone with iOS 17 or later, and an Apple Watch running watchOS 10 or later. The first-time setup happens in the iOS companion app, where you sign in to Parqet via OAuth and pick the portfolio to display. PulseFolio also runs on the iPhone Duo, Apple’s foldable iPhone. **How secure is the Parqet connection?** PulseFolio uses OAuth 2.0 with PKCE to authenticate against the official Parqet API. Your password is entered directly on the Parqet login page — PulseFolio never sees it. Access and refresh tokens are stored in the iCloud Keychain on your own Apple devices. No credentials or portfolio data ever flow through our servers. **Which return metrics and time periods are supported?** PulseFolio supports both TTWROR (True Time-Weighted Rate of Return) and IZF/XIRR (Internal Rate of Return). Time periods include 1D, 1W, MTD, 1M, 3M, 6M, 1Y, YTD, 3Y, 5Y, 10Y, and Max. The active metric and period are configured in the iOS companion app and sync to the Watch. **How often does the data refresh?** During market hours, complications refresh automatically every 15 minutes via background refresh. You can also pull-to-refresh inside the Watch app at any time to force an immediate update. An "updated X minutes ago" timestamp on the main view always shows you how fresh the numbers are. **Why isn’t the complication instantly up to date when prices move?** A short delay between a price tick and what your watch face shows is normal and expected. Apple gives every watch app a limited number of background refreshes per day to protect battery life and the watch’s radio, so PulseFolio refreshes on a fixed schedule — typically every 15 minutes during market hours — rather than the moment each price changes. The only way to make the complication truly instant would be for Parqet to push a "your portfolio just changed" signal to the app, which Parqet’s public API does not currently offer. Until then, the schedule is already as tight as the watch’s budget allows. If you want a fresh number right now, open the Watch app and pull down to refresh — that triggers an immediate fetch. **Can PulseFolio notify me when my portfolio moves a lot in one day?** Yes. In the iPhone app, turn on Move Alerts under Settings → Alerts and pick a threshold of 1, 2, 3 or 5 %. You get a notification — mirrored to your Apple Watch — when the selected portfolio moves more than that, up or down, during the current trading day, at most once per day and portfolio. iOS decides how often PulseFolio can check in the background, so an alert can arrive late. **Can I show different portfolios on the same watch face?** Yes — every complication slot is independent. Long-press your watch face, edit a complication, and pick which portfolio it should track. Tapping a complication opens that specific portfolio in the app, so you can monitor a savings plan, a long-term ETF basket, and a high-conviction bucket all at the same time. **Can I view a single broker sub-account (sub-depot) on its own?** Yes — if your Parqet portfolio contains several sub-depots (common with brokers like ING), expand the portfolio in the picker and tap a sub-account to view just that depot: performance, holdings, dividends, allocation, and chart. You can also combine two or more sub-depots into one aggregated view, rename them, and assign a sub-account to any complication or widget. Parqet filters the data server-side, so the numbers match parqet.com exactly. Only the activity feed keeps showing the parent portfolio, because Parqet’s API does not filter activities by sub-account. **Can I try PulseFolio without connecting my Parqet account?** Yes — turn on Preview Demo Data in the iOS app to explore every screen with sample numbers, no Parqet login required. Demo-mode pills make it obvious when you’re not viewing live data, so you can hand the phone to a friend or screenshot the UI without signing out of your real account. **Can I check my portfolio with Siri?** Yes — say "Portfolio performance in PulseFolio" and Siri reads out your latest figures hands-free, without unlocking your iPhone or opening the app. The numbers come from the most recent refresh, so they are as fresh as the last time PulseFolio fetched from Parqet. **Is the app available in other languages?** Yes — PulseFolio is localized in English, German, French, Italian, Spanish, Portuguese, Danish, and Polish. By default it follows your iPhone’s language, but you can choose a different one under Settings → Language. This page is available in the same eight languages. ## Arcaria Keep your bank and brokerage paperwork organized, searchable, and encrypted — offline URL: https://jeannot-muller.com/apps/arcaria/ Platforms: macOS, Windows Download on the Mac App Store: https://apps.apple.com/us/app/arcaria/id6775561553 Get it from Microsoft Store: https://apps.microsoft.com/detail/9NZX4DDBKBN5 Arcaria is the private home for your bank and brokerage paperwork. Import your PDF statements and Arcaria keeps them organized, searchable, and encrypted — entirely on your own computer. It reads each PDF for you and fills in the date, amount, currency, bank, account or custody account, ISIN, and document type automatically. Many statements from banks and brokers across Europe and beyond (with the deepest coverage in Germany, Austria, and Switzerland) are recognized; anything it doesn’t catch, you complete in a few clicks. No account, no cloud, no tracking: your documents live in a single encrypted vault, with encrypted backups you restore in one step. The Arcaria app is available in English and German. ### Reads Your PDFs Automatically Import a statement and Arcaria reads it for you, filling in the date, amount, currency, bank, account or custody account, ISIN, and document type. Buy and sell notes, dividend credits, tax documents, and account statements are all sorted into place. ### One Encrypted Vault, Fully Offline No account, no cloud, no tracking. All of your documents live in a single encrypted vault on your own computer, and Arcaria works completely offline. Nothing leaves your machine unless you choose to back it up or export it. ### Encrypted Backups, One-Step Restore Back up your entire vault to a single encrypted file, then restore it in one step on the same computer or a new one. Your archive of years of paperwork is never more than one backup away. ### Find Anything Instantly Full-text search runs across every document and every note you’ve added. Search by what a statement says, not just its file name — and jump straight to the right document among thousands. ### Organized the Way You Think Browse by year and month, by bank and account, or by ISIN and document type. Tag documents and add your own notes, and give each bank its own name and color so the whole archive reads at a glance. ### Built for Investors Buy, sell, dividend, and tax documents are filed automatically, so you can follow a position by its ISIN across banks and custody accounts. View the original PDF right beside the extracted details, or open it in your default app. ### English and German The Arcaria app is fully localized in English and German, with number and date formats that match each language. Switch between them at any time from within the app. ### FAQ **What does Arcaria do?** Arcaria is a private home for your bank and brokerage paperwork. You import your PDF statements, and Arcaria keeps them organized, searchable, and encrypted on your own computer. It reads each PDF and fills in the date, amount, currency, bank, account or custody account, ISIN, and document type for you. **Where are my documents stored?** In a single encrypted vault on your own computer. There is no account, no cloud, and no tracking, and Arcaria works completely offline. Your documents never leave your machine unless you choose to back them up or export them. **Which banks and brokers does Arcaria recognize?** Many statements from banks and brokers across Europe and beyond (with the deepest coverage in Germany, Austria, and Switzerland) are recognized automatically — buy and sell notes, dividend credits, tax documents, and account statements. When a statement isn’t detected automatically, you complete the details in a few clicks, and everything stays editable. **Does Arcaria connect to my bank?** No. Arcaria never connects to your bank, broker, or any online account. You import the PDF statements you already have, and Arcaria works only with those files on your own computer. **How are my documents protected?** Your documents are kept in a single encrypted vault, and backups are encrypted as well. Because there is no cloud and no account, the only copies of your archive are the ones on your computer and any backups you create yourself. **Can I search inside my documents?** Yes. Full-text search runs across every document and every note you add, so you can find a statement by what it says rather than just its file name. You can also sort and filter by year and month, bank and account, ISIN, or document type. **Which platforms and languages does Arcaria support?** Arcaria runs on macOS and Windows, available on the Mac App Store and the Microsoft Store. The app interface is available in English and German, with number and date formats matched to each language. **Is Arcaria investment advice?** No. Arcaria is a document organizer and personal archive that helps you keep your financial paperwork in order. It does not provide investment, financial, tax, or legal advice, and it does not connect to your bank. ## EquityLens Track Your VWCE/VWRL Investment with Professional Analytics URL: https://jeannot-muller.com/apps/equity-lens/ Platforms: iPhone, iPad, Apple Watch, Mac Download on the App Store: https://apps.apple.com/us/app/equitylens/id6756184524 Track and analyze your Vanguard FTSE All-World ETF investment with live prices, interactive historical charts, market sentiment indicators (CNN Fear & Greed Index, VIX, VVIX), comprehensive statistics, and detailed holdings breakdown. Support for both VWCE (Accumulating) and VWRL (Distributing) in multiple currencies. Available on iPhone, iPad, Apple Watch, and Mac. ### Portfolio Value Tracking Track your ETF holdings with real-time value calculations. Input your shares and see your total portfolio value instantly in your preferred currency. ### Live Price Updates Get current ETF prices from Yahoo Finance with one tap. Support for EUR, GBP, USD, CHF, and 6 more currencies. Prices update from the appropriate stock exchange. ### Historical Charts View history with interactive charts in your selected currency. Touch and drag across the chart — or hover on Mac and iPad — to reveal the exact date and value at any point. Multiple timeframes: 1M, 3M, 6M, 1Y, and All-time. Track performance with moving averages (MA38, MA100, MA50, MA200). All historical data available in all 10 supported currencies. ### Comprehensive Statistics Deep dive into your investment with professional-grade analytics: CAGR, all-time highs/lows, median price, standard deviation, best/worst days, positive/negative day counts, and winning/losing streaks. ### Market Sentiment See how the market is feeling, right inside EquityLens. The CNN Fear & Greed Index, VIX, and VVIX give you a quick read at the top of your Holdings and History screens. Tap any indicator for a one-year chart, period comparisons, and the components behind the score. A Home Screen widget (small, medium, and Lock Screen) and an Apple Watch sentiment card with watch-face complication keep it at a glance — and a single switch in Settings turns it all on or off. ### Next Rebalancing Date See at a glance when the FTSE All-World index — the one your Vanguard ETF tracks — rebalances next. It is reviewed quarterly, with the major rebalancings in March and September — shown with a countdown as a strip on the Stocks tab and a detail card on the History tab. Show or hide it in Settings. ### VWCE & VWRL Support Full support for both Accumulating (VWCE) and Distributing (VWRL) versions. Easily switch between versions and compare historical performance. ### Country Breakdown Visualize your portfolio's geographical distribution with detailed country breakdowns. See exactly where your 4000+ holdings are allocated across global markets. ### Sector Analysis Understand your exposure across different sectors like Technology, Healthcare, Finance, and more. Make informed decisions about portfolio diversification. ### Holdings Search Search and filter all 4000+ individual stock holdings. Find specific companies, view their allocation percentages, sectors, and country origins. ### Multi-Currency Support Comprehensive support for 10 major currencies: USD, EUR, GBP, CHF, JPY, CAD, AUD, CNY, HKD, and SGD. All historical data pre-calculated for each currency ensuring accuracy. Switch currencies anytime and see instant updates across all charts and statistics. ### Export & Import Portfolio Data Backup and restore your portfolio snapshots with ease. Export to JSON, CSV, or native Excel (.xlsx) formats for safekeeping or analysis in other tools. Import your saved data to sync across devices or restore after reinstalling the app. ### Privacy First All calculations performed locally on your device. No personal financial information required or collected. Works offline after download. ### Apple Watch App & Complications Check your ETF prices at a glance with the EquityLens Apple Watch app and complications. See live VWCE and VWRL performance directly on your watch face. ### Lock Screen Widget See your VWCE/VWRL performance at a glance — right from your iPhone lock screen. Stay on top of your investment without even opening the app. ### Optimized for iPad Take advantage of the larger screen with a fully optimized iPad experience. Browse holdings, analyze sectors, and view charts with more detail and comfort. ### Native Mac Experience Enjoy EquityLens on your Mac with a fully native experience. Analyze holdings, view charts, and track your portfolio on the big screen. A new Settings button in the window toolbar and refined controls make the desktop experience even cleaner. Universal purchase — buy once, use on all your Apple devices. ### Available in Your Language EquityLens is now fully localized in English, German, Spanish, French, Italian, and Brazilian Portuguese. Every screen, chart label, and statistic appears in your language. ### FAQ **What is EquityLens?** EquityLens is a portfolio tracking and analysis app specifically designed for the Vanguard FTSE All-World ETF. Track your VWCE or VWRL investment with live prices, historical charts with moving averages, comprehensive statistics (CAGR, volatility, streaks), and detailed holdings breakdown showing all 4000+ individual stocks, their country allocation, and sector distribution. **Does EquityLens support both VWCE and VWRL?** Yes! EquityLens supports both the Accumulating version (VWCE) and Distributing version (VWRL) of the Vanguard FTSE All-World ETF. You can easily switch between versions and get live prices from Yahoo Finance in 10 currencies. **Can I see historical prices?** Yes, EquityLens includes historical price charts with multiple timeframes: 1 month, 3 months, 6 months, 1 year, and all-time. You can view price trends, calculate percentage changes, and analyze your investment performance over time. **Is my financial data safe?** Absolutely. EquityLens works entirely offline after download and all portfolio calculations are performed locally on your device. No personal financial information is required, collected, or transmitted. Your privacy is our priority. **How do I get current prices?** EquityLens integrates with Yahoo Finance to fetch live ETF prices. Simply select your preferred currency and ETF version (Accumulating or Distributing), then tap the update button in Settings. Prices are fetched in real-time from the appropriate stock exchange. **What currencies are supported?** EquityLens supports 10 major currencies: USD, EUR, GBP, CHF, JPY, CAD, AUD, CNY, HKD, and SGD. All historical data is pre-calculated for each currency, ensuring accurate charts and statistics. You can switch currencies anytime in Settings. **Can I export and import my portfolio data?** Yes! EquityLens allows you to export and import your portfolio snapshots for backup, device migration, or data analysis. Choose between JSON format (recommended for backup/restore), CSV format (ideal for spreadsheet analysis), or native Excel (.xlsx). You maintain complete ownership and portability of your portfolio history. **What market sentiment indicators does EquityLens show?** EquityLens includes a Market Sentiment feature built around three widely followed indicators: the CNN Fear & Greed Index, the VIX (the market's volatility index), and the VVIX (the volatility-of-volatility index). You get a quick read at the top of the Holdings and History screens, and tapping any indicator opens a one-year chart, period comparisons, and the components behind the score. Market Sentiment is also available as a Home Screen and Lock Screen widget and on Apple Watch — and you can turn the whole feature on or off in Settings. ## SpiderLens Track Your SPDR MSCI ACWI IMI ETF with Professional Analytics URL: https://jeannot-muller.com/apps/spider-lens/ Platforms: iPhone, iPad, Apple Watch, Mac Download on the App Store: https://apps.apple.com/us/app/spiderlens/id6763510891 Track and analyze your SPDR MSCI ACWI IMI UCITS ETF investment with live NAV updates, historical charts, drawdown analysis, and complete holdings transparency. Full support for both SPYI (Accumulating) and SPSA (Distributing) share classes across 4,500+ holdings in developed and emerging markets. Available on iPhone, iPad, Apple Watch, and Mac. ### Portfolio Value Tracking Track your ETF holdings with real-time value calculations. Enter your shares and instantly see your total portfolio value in your preferred currency. ### Live NAV Updates Get current ETF prices throughout the trading day. Multi-currency support across USD, EUR, GBP, CHF, JPY, CAD, AUD, CNY, HKD, and SGD. ### Historical Charts & Moving Averages View interactive price history with multiple timeframes (1M, 3M, 6M, 1Y, All) and overlay 38-, 50-, 100-, and 200-day moving averages to spot long- and short-term trends. ### Dedicated Drawdown Chart Visualize risk with a dedicated underwater chart that shows how far the ETF has fallen below its peaks and how long recoveries take. ### SPYI & SPSA Support Full support for both Accumulating (SPYI) and Distributing (SPSA) share classes — including separate holdings sets. Switch between share classes and compare historical performance. ### Comprehensive Statistics Three analytical views combined: summary statistics (all-time high/low with dates, average, median, standard deviation, data points), return & risk metrics (CAGR, total change, best/worst day), and daily movement analysis (positive/negative days, longest winning/losing streaks). ### Geographic Analysis See how your investment is distributed across the globe with visual maps, country-by-country allocation percentages, and interactive country-based filtering. ### Sector Intelligence Detailed sector weightings, industry concentration analysis, and visual breakdowns. Compare sectors across regions and filter holdings interactively. ### Holdings Search & Discovery Browse all 4,500+ individual holdings with real-time weightings. Search and filter by company, country, sector, or ISIN — and discover stocks you never knew were inside the fund. ### Multi-Currency Support Comprehensive support for 10 major currencies: USD, EUR, GBP, CHF, JPY, CAD, AUD, CNY, HKD, and SGD. Switch currencies anytime and watch all charts and statistics update instantly. ### iCloud Sync iCloud keeps your settings, snapshots, and history synchronized across iPhone, iPad, Apple Watch, and Mac — so your portfolio is always in sync wherever you check it. ### Apple Watch App & Complications Native Apple Watch app plus watch face complications. Check live SPYI and SPSA performance directly on your wrist without opening the iPhone app. ### iPhone Widgets Small and medium home screen widgets show your SPYI/SPSA performance at a glance — stay on top of your investment without opening the app. ### Optimized for iPad Adaptive landscape layout takes full advantage of the iPad display — browse holdings, compare sectors, and study charts with more detail and comfort. ### Native Mac App Native SwiftUI macOS app — not Catalyst. Analyze holdings, view charts, and track your portfolio on the big screen. Universal purchase: buy once, use on all your Apple devices. ### Privacy First All portfolio calculations happen locally on your device. No accounts, no tracking, no personal financial information collected. ### FAQ **What is SpiderLens?** SpiderLens is a portfolio tracking and analysis app built specifically for the SPDR MSCI ACWI IMI UCITS ETF — one of the broadest global equity ETFs available to European investors. Track your investment with live NAV updates, historical charts with moving averages, a dedicated drawdown chart, comprehensive statistics (CAGR, volatility, streaks), and detailed holdings breakdown across 4,500+ stocks, countries, and sectors. **Does SpiderLens support both SPYI and SPSA?** Yes. SpiderLens fully supports both share classes of the SPDR MSCI ACWI IMI UCITS ETF: SPYI (Accumulating) and SPSA (Distributing). Each share class has its own holdings set so you always see exactly what is inside the version you own. **What devices can I use SpiderLens on?** SpiderLens runs natively on iPhone, iPad (with adaptive landscape layout), Apple Watch (native Watch app and complications), and Mac (native SwiftUI app — not Catalyst). iCloud keeps your settings, snapshots, and history in sync across all your devices. iPhone widgets in small and medium sizes are also included. **What statistics does SpiderLens provide?** A full statistics dashboard with three views: Summary (all-time high/low with dates, average, median, standard deviation, data points), Return & Risk (CAGR, total change, best/worst day), and Daily Movement (positive/negative day counts, longest winning streak, longest losing streak). All metrics update dynamically based on the selected share class and time range. **How does the drawdown chart help me?** The dedicated drawdown chart visualizes how far the ETF has fallen below its all-time peak at any point in history and how long it took to recover. It is one of the clearest ways to assess real-world risk and emotional resilience for a long-term investor. **Which currencies are supported?** SpiderLens supports 10 major currencies: USD, EUR, GBP, CHF, JPY, CAD, AUD, CNY, HKD, and SGD. Charts and statistics update instantly when you switch currencies. **Is my financial data safe?** Yes. All portfolio calculations are performed locally on your device. No user accounts, no tracking, no personal financial information is collected or transmitted. Synchronization between your own devices uses your private iCloud account. ## AmundiLens Track Your Amundi Prime All Country World ETF with Professional Analytics URL: https://jeannot-muller.com/apps/amundi-lens/ Platforms: iPhone, iPad, Apple Watch, Mac Download on the App Store: https://apps.apple.com/us/app/amundilens/id6774663998 Track and analyze your Amundi Prime All Country World UCITS ETF investment with live NAV updates, historical charts, drawdown analysis, and complete holdings transparency. Full support for both ETF151 (Accumulating) and ETF150 (Distributing) share classes across 3,400+ holdings in developed and emerging markets. Available on iPhone, iPad, Apple Watch, and Mac. ### Portfolio Value Tracking Track your ETF holdings with real-time value calculations. Enter your shares and instantly see your total portfolio value in your preferred currency. ### Live NAV Updates Get current ETF prices throughout the trading day. Multi-currency support across USD, EUR, GBP, CHF, JPY, CAD, AUD, CNY, HKD, and SGD. ### Historical Charts & Moving Averages View interactive price history with multiple timeframes (1M, 3M, 6M, 1Y, All) and overlay 38-, 50-, 100-, and 200-day moving averages to spot long- and short-term trends. ### Dedicated Drawdown Chart Visualize risk with a dedicated underwater chart that shows how far the ETF has fallen below its peaks and how long recoveries take. ### ETF151 & ETF150 Support Full support for both Accumulating (ETF151) and Distributing (ETF150) share classes — including separate holdings sets. Switch between share classes and compare historical performance. ### Comprehensive Statistics Three analytical views combined: summary statistics (all-time high/low with dates, average, median, standard deviation, data points), return & risk metrics (CAGR, total change, best/worst day), and daily movement analysis (positive/negative days, longest winning/losing streaks). ### Geographic Analysis See how your investment is distributed across the globe with visual maps, country-by-country allocation percentages, and interactive country-based filtering. ### Sector Intelligence Detailed sector weightings, industry concentration analysis, and visual breakdowns. Compare sectors across regions and filter holdings interactively. ### Holdings Search & Discovery Browse all 3,400+ individual holdings with real-time weightings. Search and filter by company, country, sector, or ISIN — and discover stocks you never knew were inside the fund. ### Multi-Currency Support Comprehensive support for 10 major currencies: USD, EUR, GBP, CHF, JPY, CAD, AUD, CNY, HKD, and SGD. Switch currencies anytime and watch all charts and statistics update instantly. ### iCloud Sync iCloud keeps your settings, snapshots, and history synchronized across iPhone, iPad, Apple Watch, and Mac — so your portfolio is always in sync wherever you check it. ### Apple Watch App & Complications Native Apple Watch app plus watch face complications. Check live ETF151 and ETF150 performance directly on your wrist without opening the iPhone app. ### iPhone Widgets Small and medium home screen widgets show your ETF151/ETF150 performance at a glance — stay on top of your investment without opening the app. ### Optimized for iPad Adaptive landscape layout takes full advantage of the iPad display — browse holdings, compare sectors, and study charts with more detail and comfort. ### Native Mac App Native SwiftUI macOS app — not Catalyst. Analyze holdings, view charts, and track your portfolio on the big screen. Universal purchase: buy once, use on all your Apple devices. ### Privacy First All portfolio calculations happen locally on your device. No accounts, no tracking, no personal financial information collected. ### FAQ **What is AmundiLens?** AmundiLens is a portfolio tracking and analysis app built specifically for the Amundi Prime All Country World UCITS ETF — one of the broadest global equity ETFs available to European investors. Track your investment with live NAV updates, historical charts with moving averages, a dedicated drawdown chart, comprehensive statistics (CAGR, volatility, streaks), and detailed holdings breakdown across 3,400+ stocks, countries, and sectors. **Does AmundiLens support both ETF151 and ETF150?** Yes. AmundiLens fully supports both share classes of the Amundi Prime All Country World UCITS ETF: ETF151 (Accumulating) and ETF150 (Distributing). Each share class has its own holdings set so you always see exactly what is inside the version you own. **What devices can I use AmundiLens on?** AmundiLens runs natively on iPhone, iPad (with adaptive landscape layout), Apple Watch (native Watch app and complications), and Mac (native SwiftUI app — not Catalyst). iCloud keeps your settings, snapshots, and history in sync across all your devices. iPhone widgets in small and medium sizes are also included. **What statistics does AmundiLens provide?** A full statistics dashboard with three views: Summary (all-time high/low with dates, average, median, standard deviation, data points), Return & Risk (CAGR, total change, best/worst day), and Daily Movement (positive/negative day counts, longest winning streak, longest losing streak). All metrics update dynamically based on the selected share class and time range. **How does the drawdown chart help me?** The dedicated drawdown chart visualizes how far the ETF has fallen below its all-time peak at any point in history and how long it took to recover. It is one of the clearest ways to assess real-world risk and emotional resilience for a long-term investor. **Which currencies are supported?** AmundiLens supports 10 major currencies: USD, EUR, GBP, CHF, JPY, CAD, AUD, CNY, HKD, and SGD. Charts and statistics update instantly when you switch currencies. **Is my financial data safe?** Yes. All portfolio calculations are performed locally on your device. No user accounts, no tracking, no personal financial information is collected or transmitted. Synchronization between your own devices uses your private iCloud account. ## Pecuniator X-Ray Deep Dive for Your Portfolio URL: https://jeannot-muller.com/apps/pecuniator/ Platforms: macOS, Windows Download on the Mac App Store: https://apps.apple.com/us/app/pecuniator/id6497061581 Get it from Microsoft Store: https://apps.microsoft.com/detail/9n6410dxhd97 Offline portfolio X-ray for parqet.com CSV files — with a built-in reference database of 804,000+ ISINs, automatic bond and stock classification, country and region visualization, side-by-side fund comparison, fast search, and Excel export. Your data stays on your computer; optional online features, such as the Parqet connection, enrichment, logos and exchange rates, only reach the internet when you use or enable them. ### Compare Two Funds Side by Side Load two parqet X-Ray exports and instantly see how they overlap — the holdings they share, what each fund holds that the other doesn’t, and where their weights really differ. Enter a portfolio amount, or sync it from parqet, to see the real value behind every position. A Summary tab totals the shared exposure by weight and by value. As always, everything stays on your device. ### Built-in ISIN Reference Database Over 804,000 ISINs ship inside the app. Automatically detects bonds and stocks, populates the Type column, and works entirely offline. Classification is editable — override any entry with a click. ### Three-Way Filter: All, Bonds, Stocks Switch instantly between all holdings, bonds only, or stocks only. The same three-way switch sits in the toolbar, the menu bar, and the sidebar — the view you need is always one click away. ### Optional Enrichment via OpenFIGI Bring your own free OpenFIGI API key to enrich holdings globally with additional instrument metadata. Strictly opt-in — OpenFIGI is only contacted after you turn it on, and only ISINs and your API key are sent. ### Company Logos (Optional) Show company logos via elbstream.com, cached locally and refreshed automatically. Smart placeholder detection hides generic icons, and every import automatically re-checks previously missing logos so new ones appear as they become available. Fully opt-in, configurable in Settings. ### CSV Import with Drag & Drop Drop a parqet X-Ray export onto the app, or any CSV with a header row of ID, holding, shares, and value (semicolons or commas; dot or comma decimals). A progress indicator keeps you informed while large files import safely. ### Country & Region Visualization Pecuniator decodes the country from every ISIN and shows exactly how your portfolio is distributed across countries, regions, and subregions — with flags and interactive breakdowns. ### Fast Search, Sorting & Filtering Find any holding in an instant. Scrolling, sorting, and filtering stay fluid even on portfolios with thousands of positions. ### Excel Export Export the current view — filters included — to xlsx for further analysis in Excel, Numbers, or any spreadsheet tool. ### Offline & Private by Default Core analysis never touches the network — your CSV stays on your device. The app sends no data to us. Optional online features — Parqet account and sector lookup, OpenFIGI, Financial Modeling Prep, company logos and exchange rates — only run when you use or enable them. ### Light & Dark Themes, Configurable Settings Switch between light and dark themes, adjust behavior in a dedicated Settings area, and read locale-aware currency and number formatting throughout. Pecuniator works the same on macOS and Windows, and every core analysis runs on your device. ### FAQ **What does the name 'pecuniator' mean?** It is a fantasy name from the Latin 'pecunia = money'. It starts with 'p', like 'parqet', and the app is secure and will never transmit any data over the network. **What's new in the latest version?** Pecuniator 7.4.0 (June 2026) adds the Compare view — load two parqet X-Ray exports side by side to see exactly where two funds or portfolios overlap: the holdings they share, what is unique to each, and how the weights differ, across In both, Only in A, Only in B, and Summary tabs. Enter a portfolio amount or sync it from parqet to value every position, and the Summary tab totals the shared exposure by weight and by value. As always, nothing leaves your device. Everything from earlier releases stays in place: the built-in ISIN reference database (804,000+ entries) with automatic bond/stock detection, the three-way filter (All / Bonds / Stocks), country and region visualization, optional OpenFIGI enrichment, optional company logos via elbstream.com, locale-aware currency and number formatting, drag-and-drop CSV import, and Excel export. Pecuniator is a local-first desktop app for macOS and Windows. **Do I need an API key or internet connection?** No. Pecuniator's core analysis — import, ISIN decoding, country and region breakdown, filtering, and Excel export — runs fully offline with the built-in database. The app sends no data to us. A few features go online only when you use or enable them: connecting your Parqet account and its sector lookup, OpenFIGI and Financial Modeling Prep enrichment (with your own API key), company logos, and exchange rates for converting a portfolio value. None of them runs on its own, and the privacy policy lists exactly what each one sends. **How does the Bonds/Stocks filter work?** The built-in reference database classifies each ISIN as a bond or a stock and fills the Type column automatically. The toolbar, menu bar, and sidebar all offer the same three-way switch: All, Bonds, or Stocks. If an entry is classified incorrectly, simply edit the Type column — your override is remembered. **Why is the program a desktop application?** parqet.com has strict data protection requirements, and we don't want to compromise this principle. We prefer not to handle any third-party data, so we made the tool a desktop app only. This way, no data is ever transmitted over the network. **Does it work without parqet.com?** Yes, it does. You can easily import and analyze any CSV file, as long as it includes a header line with four fields separated by either semicolons or commas. For example, 'ID;holding;shares;values' is a valid format. **What does 'CC' mean in the exported spreadsheet?** 'CC' stands for 'Country Code'. **Is the program actively maintained?** Yes. Pecuniator is actively developed for macOS and Windows. Version 7.4.0 (June 2026) added the side-by-side Compare view for two funds or portfolios. New features may be added, especially as parqet considers its own API. Pecuniator is designed to provide extra features that complement parqet.com. **Why does the app cost money on the stores?** Developing software takes time, especially when aiming to distribute it through secure channels. The fee is reasonable and encourages further development and support. ## csv2excel Convert CSV to Excel (XLSX) on Mac — Fast and Simple URL: https://jeannot-muller.com/apps/csv2excel/ Platforms: macOS Download on the Mac App Store: https://apps.apple.com/us/app/csv2excel/id1671035450?mt=12 csv2excel is a powerful tool to convert CSV files into the Excel xlsx format. It features smart type detection that automatically recognizes numbers, dates, and text — with full support for European number formats and multiple date styles. Add a bold header row with auto-filter, customize Excel header and tab colors, and edit metadata inline before exporting. A redesigned full-width interface with presets, a default output directory, and dark mode support makes conversion fast and effortless. ### High-Performance Conversion Quickly converts even very large CSV files into the Excel xlsx format. Enforces Excel row and column limits and handles BOM detection efficiently. ### Smart Type Detection Automatically recognizes numbers, dates, and text in your CSV data. Leading zeros (ZIP codes, SKUs) are preserved as text, and large integers stay intact to prevent Excel precision loss. Toggle off for all-text import. ### European Number & Date Parsing Supports comma-decimal numbers (e.g. 1.234,56) with a decimal style picker (Auto, Dot, Comma). Recognizes ISO, European (dd.MM.yyyy), US (MM/dd/yyyy), text-month, and time-only date formats. Invalid dates are safely kept as text. ### Header Row & Auto-Filter Add a bold header row with Excel auto-filter dropdowns. Customize the header background color and worksheet tab color with built-in color pickers. ### Excel Metadata & Presets Edit metadata inline in a two-column grid — title, subject, author, manager, company, category, keywords, and comments. Save and load metadata presets, or let csv2excel auto-fill from the filename. ### Default Output Directory Set a persistent default output folder so the save panel always starts in the right place. Or use save-next-to-source to keep converted files alongside your CSVs. ### Light & Dark Mode Full dark mode support across all panels — including file picker, color picker, save panel, help window, and about window. Adapts to your system preferences. ### Redesigned Interface A full-width responsive layout that scales with your window. Inline document properties, a prominent preset dropdown, compact options row, and quick re-convert with Cmd+R. ### FAQ **What does csv2excel do?** csv2excel converts CSV files into the Excel xlsx format with smart type detection, European number and date parsing, header row formatting, metadata editing, and customizable presets. It handles very large CSV files quickly and preserves data integrity for ZIP codes, large numbers, and special formats. **How does smart type detection work?** When enabled, csv2excel automatically detects whether each cell contains a number, date, or text and formats it accordingly in Excel. Leading zeros (like ZIP codes or SKUs) are preserved as text, and integers longer than 15 digits stay as text to prevent Excel precision loss. You can toggle smart detection off to import everything as plain text. **Does csv2excel support European number formats?** Yes. The decimal style picker lets you choose between Auto (infers from CSV delimiter), Dot (1,234.56), and Comma (1.234,56) formats. European comma-decimal values like 16,44 are correctly converted to numbers in Excel. **Which date formats are recognized?** csv2excel detects ISO dates (2024-03-15), European dates (15.03.2024), US dates (03/15/2024), text-month dates (15-Mar-2024), time-only values (14:30:00), and two-digit years. Invalid dates like February 31 are safely kept as text. **Which platforms are supported?** csv2excel is available for macOS and can be installed directly from the Mac App Store. **Is the app available in other languages?** Currently, csv2excel is available in English only. ## WebCacheWarmer Warm Your Website Cache & Measure Performance URL: https://jeannot-muller.com/apps/web-cache-warmer/ Platforms: macOS Download on the Mac App Store: https://apps.apple.com/us/app/webcachewarmer/id6761574943?mt=12 WebCacheWarmer is a native macOS tool that crawls websites to warm their page cache and verify cache effectiveness. It performs a two-pass crawl: the first pass visits every page to trigger cache generation and measure cold response times, the second pass re-visits pages to measure cached response times — giving you a clear before-and-after comparison of your cache performance. Includes CMS detection, sitemap discovery, cache header analysis, and a built-in static site downloader. ### Two-Phase Cache Warming Performs a cold pass to trigger cache generation, then a warm pass to measure cached response times. See exact improvement percentages and cache hit rates at a glance. ### Real-Time Statistics Monitor pages crawled, errors, average cold and warm response times, improvement percentage, and cache hit rate — all updated live during the crawl. ### CMS Detection Automatically detects the content management system behind the website, including WordPress, Drupal, Shopify, TYPO3, Magento, and over 10 other platforms. ### Sitemap Discovery Automatically discovers sitemaps from robots.txt with a built-in sitemap viewer and XML export functionality. ### Cache Header Analysis Inspects Cache-Control, X-Cache, CF-Cache-Status, Age, ETag, Varnish, and LiteSpeed headers to give you detailed insight into your caching setup. ### Export to CSV, Excel & JSON Export complete crawl results with full cache header details in CSV, Excel (XLSX), or JSON format for further analysis. ### Static Site Downloader Download entire websites as static offline copies with resume and incremental mode. Includes a built-in web preview to browse downloaded sites. ### Scheduled Re-Crawling Schedule automatic re-crawls at 1, 4, 12, or 24-hour intervals to keep your cache consistently warm. ### FAQ **What does WebCacheWarmer do?** WebCacheWarmer crawls your website in two passes: first to trigger cache generation (cold pass), then to verify cache effectiveness (warm pass). It measures response times before and after caching, showing you exactly how much your cache improves performance. **Which platforms are supported?** WebCacheWarmer is available for macOS 15.0 (Sequoia) or later and can be installed directly from the Mac App Store. **Is my data private?** Yes. All crawling and analysis happens locally on your Mac. WebCacheWarmer does not send any data to third-party servers. The only network traffic is the HTTP requests to the websites you choose to crawl. **Which CMS platforms can it detect?** WebCacheWarmer can detect WordPress, Drupal, Shopify, TYPO3, Magento, Joomla, Wix, Squarespace, Ghost, Hugo, Jekyll, and many more content management systems. **Does the app respect robots.txt?** Yes. WebCacheWarmer fully respects robots.txt directives including crawl-delay settings. It uses the longest-path-match-wins strategy for accurate compliance. **Is the app available in other languages?** Currently, WebCacheWarmer is available in English only. ## ParqSafe Snapshot and restore your Parqet portfolios URL: https://jeannot-muller.com/apps/parqsafe/ Platforms: macOS, Windows Download on the Mac App Store: https://apps.apple.com/us/app/parqsafe/id6770121839 Get it from Microsoft Store: https://apps.microsoft.com/detail/9NBGTXR5XX0H ParqSafe creates timestamped local backups of your Parqet portfolios and restores them into new ones — all on your own computer. Capture a snapshot before a big change, archive your history, or rebuild a portfolio’s structure in a fresh one. Your backups live in a local database on your machine: no server, no cloud storage, no third-party data processing. ParqSafe connects to Parqet only through Parqet’s official Connect API, with a secure sign-in you can revoke at any time. ### Timestamped Backups Connect your Parqet account and ParqSafe reads a portfolio’s holdings and activities, then stores them as a timestamped snapshot. Every snapshot captures the portfolio exactly as it stood at that moment, ready to fall back on. ### Your Full History, Kept Every backup you make is kept — nothing is overwritten and nothing expires. Whenever you need to, you can return to an earlier state of any portfolio, whether that snapshot is days or months old. ### One-Click Restore Pick any snapshot, give it a name, and ParqSafe recreates it as a brand-new Parqet portfolio. Your existing portfolios are never touched — a restore always builds a fresh portfolio, so the original stays exactly as it is. ### Preview Before You Restore Inspect a backup before you commit to it. ParqSafe shows the snapshot’s holdings and an activity summary, so you can confirm you picked the right one before anything is restored. ### Import from Portfolio Performance Moving to Parqet from Portfolio Performance? Point ParqSafe at your Portfolio Performance file and it reads every portfolio inside. Pick the ones you want, and each becomes a snapshot you can restore straight into Parqet — holdings, trades, dividends and cash history carried across. ### Encrypted Export & Import Move backups between machines as a single file. Exports can be protected with a password and encrypted with AES-256, so your portfolio history travels safely from one computer to another. ### Demo Mode Try backup and restore with a built-in sample portfolio — no Parqet account required. Demo mode is the easiest way to see exactly how ParqSafe works before you connect your own data. ### Local-First and Private Your backups live in a local database on your own computer. No server, no cloud storage, no third-party data processing. ParqSafe reaches Parqet only through Parqet’s official Connect API, with a secure sign-in you can revoke at any time. ### FAQ **What does ParqSafe do?** ParqSafe creates timestamped local backups of your Parqet portfolios and restores them into new portfolios. A portfolio is months or years of carefully recorded transactions — ParqSafe is your safety net: capture a snapshot before a big change, archive your history, or rebuild a portfolio’s structure in a fresh one. **Where are my backups stored?** In a local database on your own computer. There is no server, no cloud storage, and no third-party data processing. Your portfolio history never leaves your machine unless you choose to export it. **Does ParqSafe need my Parqet password?** No. ParqSafe connects to Parqet only through Parqet’s official Connect API. You sign in on Parqet’s own secure page, and ParqSafe never sees or stores your password. You can revoke its access at any time from your Parqet account. **Does restoring overwrite my existing portfolio?** No. A restore always creates a brand-new Parqet portfolio from the snapshot you picked — you give it its own name. Your original portfolios are never modified or replaced. **Can I move backups to another computer?** Yes. ParqSafe can export your backups as a single file and import them on another machine. Exports can be protected with a password and encrypted with AES-256, so your history travels safely. **Can I import my Portfolio Performance portfolios?** Yes. ParqSafe can read a Portfolio Performance file, show you every portfolio inside it, and turn the ones you choose into snapshots. From there you restore each one into Parqet — the simplest way to move your Portfolio Performance history over. The file is read locally on your own computer and never leaves it. **Can I try ParqSafe without a Parqet account?** Yes. Demo mode comes with a built-in sample portfolio so you can try backing up and restoring without signing in. It is the easiest way to see how ParqSafe works before connecting your own data. **Is ParqSafe available for Windows?** Yes. ParqSafe is built for both macOS and Windows. The macOS version is on the Mac App Store and the Windows version is on the Microsoft Store. **Is ParqSafe affiliated with Parqet?** No. ParqSafe is an independent tool. It is not affiliated with, endorsed by, or operated on behalf of Parqet, and it works only with portfolio data you already own. # Blog ## IWDA Holdings: What Stocks Are in the iShares Core MSCI World ETF? > IWDA, EUNL and SWDA are one fund: the iShares Core MSCI World. See its 1,250 stocks, the top 10, the 70% US weight, the sector mix, and what it leaves out compared with VWCE. URL: https://jeannot-muller.com/blog/iwda-msci-world-etf-holdings/ Published: 2026-10-23 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) IWDA is one of the most popular ETFs among European investors, and it shows up in many savings plans under three different names: IWDA, EUNL or SWDA. Many people who hold it couldn't say what they actually own beyond "the world". Here is what is inside, with figures from August and October 2026. ### IWDA, EUNL, SWDA: one fund, three tickers All three are the **iShares Core MSCI World UCITS ETF** (ISIN IE00B4L5Y983). The ticker depends only on where you buy it: - **IWDA**: London Stock Exchange in US dollars, and Euronext Amsterdam in euros - **EUNL**: Xetra and other German exchanges, in euros - **SWDA**: London in pounds, and Borsa Italiana in euros The holdings, the fee and the performance in the fund's currency are the same whichever ticker you buy. A few key facts: - **Index:** MSCI World, large and mid caps from 23 developed countries - **Holdings:** about 1,250 stocks (iShares, 21 October 2026) - **Fee (TER):** 0.20% per year - **Dividends:** reinvested (accumulating) - **Replication:** physical, with optimized sampling - **Size:** about USD 150 billion, which makes it one of the largest ETFs in Europe - **Launched:** September 2009 ### The top 10: a quarter of the fund in ten companies The MSCI World is weighted by market value, so the largest companies carry the most weight. At the end of August 2026 the ten largest positions were: 1. **NVIDIA**: 5.5% 2. **Apple**: 5.1% 3. **Microsoft**: 3.9% 4. **Amazon**: 2.7% 5. **Alphabet (Class A)**: 2.2% 6. **Broadcom**: 1.8% 7. **Alphabet (Class C)**: 1.7% 8. **Meta Platforms**: 1.4% 9. **Micron Technology**: 1.2% 10. **Tesla**: 1.2% Together they make up **26.6%** of the fund. Count Alphabet's two share classes as one company and it moves into fourth place. All ten are American, and five of them are technology or semiconductor companies; the other five are tech-driven platforms like Amazon, Alphabet and Meta. The order shifts as prices move, but this concentration is the most important thing to understand about IWDA: a "world" ETF whose results depend heavily on a handful of US tech giants. ### Country allocation: 70% United States | Country | Share (end of August 2026) | |---|---| | United States | 70.3% | | Japan | 5.8% | | United Kingdom | 3.7% | | Canada | 3.4% | | All other developed countries | 16.8% | The remaining sixth is spread across countries such as France, Switzerland, Germany, Australia and the Netherlands. The US weight isn't a choice made by iShares; it simply reflects how large US companies are in global market value. When US stocks outperform, the share grows, and when they lag, it shrinks. ### Sectors: a third in technology According to justETF's classification at the end of August 2026, technology accounts for about **36%** of the fund, financials for about **18%**, industrials for just under **10%** and health care for about **9%**. The rest is spread across consumer goods, communication services, energy, materials, utilities and real estate. Sector shares differ slightly between data providers, because each classifies some companies differently (Amazon and Alphabet, for example). The overall picture is the same everywhere: IWDA has a clear tech tilt. ### What IWDA does not hold The name says "World", but the MSCI World leaves out two things: - **Emerging markets.** China, India, Taiwan, Brazil, South Africa and other emerging economies are not included. TSMC, for example, isn't in IWDA, even though it's one of the largest companies in the world. - **Small caps.** Only large and mid-sized companies are included. Thousands of smaller listed companies are missing. That's the main difference from the alternatives. The [Vanguard FTSE All-World (VWCE)](https://jeannot-muller.com/blog/what-stocks-are-in-vwce-etf/) adds emerging markets and holds more than 3,700 stocks. The [SPDR MSCI ACWI IMI](https://jeannot-muller.com/blog/spdr-msci-acwi-imi-etf-holdings/) goes further and adds small caps, for about 4,500 stocks. Almost everything in IWDA is also in those two funds, so holding IWDA *and* VWCE mostly means owning the same companies twice. [How much do two ETFs overlap?](https://jeannot-muller.com/blog/compare-two-etfs-fund-overlap-parqet/) shows how to put a real number on that. Many investors deliberately combine IWDA with a separate emerging-markets ETF, often in a 70/30 or 80/20 split, to control the emerging-markets share themselves. Others prefer a single fund that already includes them. Both approaches are valid; what matters is knowing which one you've actually built. ### See what you really own The figures above describe the fund. What matters to you is your whole portfolio: IWDA plus whatever else you hold. If you track your portfolio with [Parqet](https://parqet.com/), its X-Ray export breaks every ETF down into the individual companies inside it. [Pecuniator](https://jeannot-muller.com/apps/pecuniator/) reads that export on your Mac or Windows PC, offline, and shows your real exposure by country, region and sector across all your holdings. Its Compare view puts two funds or portfolios side by side, for example IWDA and VWCE, and shows exactly where they overlap. The [guide to analyzing your Parqet X-Ray offline](https://jeannot-muller.com/blog/analyze-parqet-portfolio-offline/) walks through it step by step. *The figures in this article are rounded and come from justETF (as of 31 August 2026) and iShares (as of 21 October 2026). Index weights change daily. This article is for information only and is not investment advice.* ### FAQ **Are IWDA, EUNL and SWDA the same ETF?** Yes. All three are listings of the same fund, the iShares Core MSCI World UCITS ETF (ISIN IE00B4L5Y983). IWDA trades in US dollars in London and in euros in Amsterdam, EUNL in euros on Xetra and other German exchanges, and SWDA in pounds in London and in euros in Milan. The holdings, the fee and the performance in the fund's currency are identical. **How many stocks does IWDA hold?** About 1,250 large and mid-sized companies from 23 developed countries (1,250 according to iShares on 21 October 2026). It does not hold emerging markets or small caps. **How much of IWDA is invested in the US?** Around 70%: 70.3% at the end of August 2026. Japan follows with about 6%, the UK and Canada with roughly 3.5% each. Because the index is weighted by market value, the US share moves with how US stocks perform relative to the rest of the world. **What is the difference between IWDA and VWCE?** IWDA tracks the MSCI World: developed markets only, about 1,250 stocks. VWCE tracks the FTSE All-World: developed plus emerging markets, more than 3,700 stocks. Almost everything IWDA holds is also in VWCE; VWCE adds emerging markets such as China, India and Taiwan, plus more mid-sized companies. ## Parqet on the iPhone Duo: PulseFolio Uses the Whole Foldable Screen > PulseFolio 2026.10.23 is made for the iPhone Duo: opened flat, it puts your Parqet performance next to your holdings, your positions next to the allocation, and return next to drawdown, with nothing on the fold. EquityLens, SpiderLens and AmundiLens follow. URL: https://jeannot-muller.com/blog/parqet-iphone-duo/ Published: 2026-10-23 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) You unfold your new iPhone Duo, open your portfolio, and the app just stretches its phone layout across the inner screen, with the crease running straight through your numbers. A screen that size should show more of your portfolio at once, not the same view, only wider. **PulseFolio 2026.10.23** is the first app on this site made for the iPhone Duo, Apple's first foldable iPhone. Opened flat, it splits the inner screen into two phone-sized panes, one on each side of the fold, and keeps a clear margin on both sides of the crease, so nothing sits on it. Folded, PulseFolio looks exactly the way it does on any other iPhone. ### Dashboard: performance on one side, holdings on the other The **Dashboard** puts your performance and its controls on the left half, and your top holdings and recent activity on the right. You see how your [Parqet](https://parqet.com/) portfolio is doing and what's behind it, without scrolling back and forth. ### Holdings: your positions next to the Allocation donut On **Holdings**, your positions fill one pane and the **Allocation** donut the other. Scroll through the list and the allocation stays in view. ### Performance Chart: return and drawdown side by side The **Performance Chart** shows return and drawdown next to each other, each in a larger chart than on a regular iPhone. You can line up a rally with the dip that followed at a glance. ### Half open, like a small laptop Stand the iPhone Duo half open on the table, like a small laptop, and the Performance Chart takes the upper half. The period picker and the drawdown chart move to the lower half lying on the table, so you can switch periods without your hand covering the chart. ### Signing in Even the sign-in screen uses both halves when the phone is open: the PulseFolio icon and name on one side, the sign-in buttons on the other. On every iPhone, the sign-in screen now shows the real PulseFolio app icon. ### Also in this update The **Drawdown** chart now labels small declines clearly. A drawdown of -0.25 % used to read "-0 %" on every axis label; the labels now show one decimal. The curve also no longer rises above 0 %, which a drawdown by definition never does. How PulseFolio measures drawdown is explained in [Parqet Gain After Fees and Taxes](https://jeannot-muller.com/blog/parqet-gain-after-fees-and-taxes/). ### What about EquityLens, SpiderLens and AmundiLens? PulseFolio is the first. The other iPhone apps will follow step by step: [EquityLens](https://jeannot-muller.com/apps/equity-lens/), [SpiderLens](https://jeannot-muller.com/apps/spider-lens/) and [AmundiLens](https://jeannot-muller.com/apps/amundi-lens/), which show what's inside VWCE, the SPDR MSCI ACWI IMI and the Amundi Prime All Country World ETF. Until then, they work on the iPhone Duo just as they do on any other iPhone. ### How to get it Update PulseFolio to 2026.10.23 from the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870), unfold your iPhone Duo and open the Dashboard. There's nothing to set up: PulseFolio switches to the two-pane layout as soon as you open the phone flat. PulseFolio is available on the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870) for iPhone and Apple Watch. ### FAQ **Does PulseFolio support the iPhone Duo?** Yes. Since version 2026.10.23, PulseFolio is made for the iPhone Duo. Opened flat, it splits the inner screen at the fold into two panes on the Dashboard, Holdings, the Performance Chart and the sign-in screen, and nothing sits on the crease. **Does PulseFolio look different when the iPhone Duo is folded?** No. Folded, on the outer screen, PulseFolio uses the same layout as on any other iPhone. The two-pane layouts only appear when you open the iPhone Duo flat. **What happens when I stand the iPhone Duo half open?** Like on a small laptop, the Performance Chart fills the upper half, and the period picker and the drawdown chart move to the lower half lying on the table. **Will EquityLens, SpiderLens and AmundiLens support the iPhone Duo?** Yes. PulseFolio is the first of the apps made for the iPhone Duo, and the other iPhone apps will follow step by step. Until then, they work on the iPhone Duo just as they do on any other iPhone. ## Parqet Gain After Fees and Taxes: See What You Really Earned, on iPhone and Apple Watch > A big gross gain can hide the fees and taxes that ate it. PulseFolio 2026.10.4 and 2026.10.5 show your Parqet portfolio's Fees & Taxes and the result After Costs, name every return figure correctly, fix High, Low and Drawdown, and make signing in again on iPhone and Apple Watch just work. URL: https://jeannot-muller.com/blog/parqet-gain-after-fees-and-taxes/ Published: 2026-10-04 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) Your portfolio shows a gain of several thousand euros for the year, and that feels good. But if you traded a lot, the fees and taxes on all those orders don't appear in that number, and they can be larger than the gain itself. The headline figure looks like a good year; what actually ended up in your account is a different story. Parqet tracks those costs carefully. Until now, though, PulseFolio only showed you the gross gain. The two updates from this weekend, **PulseFolio 2026.10.4 and 2026.10.5**, put the costs right next to it, so you see what you really earned, on the iPhone and on your wrist. They also put the right name on every percentage, fix how High, Low and Drawdown are calculated, and make signing in to [Parqet](https://parqet.com/) much more dependable across iPhone and Apple Watch. ### Fees & Taxes and your result After Costs On the iPhone dashboard and on the **Stats** page of the Apple Watch app, two new rows now sit below the gain for the selected period: - **Fees & Taxes**: what Parqet recorded as fees and taxes within the period, taken from your actual broker bookings. - **After Costs**: the gain minus those costs. That's what you really earned. The rows only appear when the period actually had costs, so a quiet buy-and-hold month stays uncluttered. They follow your privacy settings like every other amount: Anonymous Mode masks them with `•••`, while Hide Total Value leaves them visible, since they say nothing about your net worth. ### Every percentage now says what it is PulseFolio shows two return metrics: **TTWROR**, the time-weighted return that ignores when you added or withdrew money, and **XIRR**, the money-weighted return that takes it into account. On the Apple Watch, the big headline percentage now carries its name, so you no longer have to guess which one you're looking at. There was also a labelling problem. XIRR is an annualized figure and isn't meaningful for periods under a year, so Parqet doesn't provide it for 1 day, 1 week or 1 month. For those periods PulseFolio shows the simple period return, and it used to call that XIRR anyway. It's now labelled **Return**, on the watch, the iPhone, in widgets, VoiceOver and Siri. Siri also names period and metric when it answers, for example "+3.28 % (TTWROR, YTD)". ### High, Low and Drawdown, calculated correctly These numbers are only useful if you can trust them, and two of them had a flaw: - **High and Low** of a period used to be estimated from the starting value and the return. That ignored buys and sales: after a large deposit, a portfolio could show a High far above any value it ever reached. They now come from your portfolio's actual values. - **Drawdown**, how far you are below the period's peak, is now measured on performance everywhere, so a deposit or withdrawal can't fake a dip. It also counts a drop on the very first day of the period. On the watch, the old "From High" row is now a **Drawdown** row under Returns. The update also fixes the day's gain when you **sell a position**: it now counts only how that position moved during the period, not everything it gained or lost since you bought it. ### Signing in again, on iPhone and Apple Watch If you ever disconnected PulseFolio from Parqet and signed in again, you may have hit one of these: a sign-in sheet that showed Parqet's dashboard instead of returning to the app, or an Apple Watch stuck on **Setup Required** for hours. Both are fixed: - **Signing in again after Disconnect works right away.** PulseFolio now uses your Safari session for the Parqet sign-in, so if you're already signed in to Parqet in Safari, you don't even need to type your password. - **The watch picks up a new connection immediately.** The iPhone now hands it to the Apple Watch directly instead of waiting for iCloud Keychain, which could take hours. - **Fewer sign-in requests.** Parqet connections renew regularly in the background, and iPhone and watch now pass every renewed connection to each other. Neither asks you to sign in again just because the other renewed it first. - **Disconnect means disconnect.** Disconnecting from Parqet now fully signs out your Apple Watch and widgets as well. - **No false "Session Expired".** If the portfolio you selected was deleted or re-imported in Parqet, PulseFolio now switches to one that still exists instead of telling you your session expired. ### Clearer settings, with a live preview of your watch face Settings are now grouped by where they apply: **Everywhere**, **Apple Watch App**, **Watch Face**, **Home Screen Widgets** and **This iPhone**. In Watch Face you get a live preview of your [complication](https://jeannot-muller.com/blog/parqet-apple-watch-portfolio-complications/), so you see the result before you look at your wrist. To switch to a different portfolio, tap the portfolio itself in Settings; the separate, easy-to-miss "Change Portfolio" row is gone. You might also be looking for Parqet's new portfolio views in the portfolio picker. They aren't there yet because Parqet's API doesn't offer them so far; they'll come to PulseFolio once Parqet adds them. ### Better battery life and more privacy - **Battery:** while your numbers are current, the Apple Watch app no longer reloads on every swipe or wrist raise, and complications refresh more efficiently. - **Siri** no longer reads out amounts while your iPhone is locked. - **Anonymous Mode** can still be switched *on* from Control Center or the Lock Screen at any time, but switching it *off* there now requires an unlocked iPhone ([more on keeping your balance private](https://jeannot-muller.com/blog/hide-portfolio-total-apple-watch/)). - The [Lock Screen widget](https://jeannot-muller.com/blog/parqet-lock-screen-widget-iphone/) now respects **Hide Total Value** and shows your gain instead of your net worth. ### Also in these updates - Tapping a widget or complication set to All Portfolios or to [sub-accounts](https://jeannot-muller.com/blog/parqet-sub-accounts/) now opens exactly that selection. - Cash accounts and other assets without a security name now show their name under Allocation and Holdings, and small slices stay visible in the allocation ring. - Faster start: your numbers load right away, before PulseFolio checks your portfolio list. - Switching tabs right after opening the app no longer shows an error message. - Demo Mode no longer switches off on the Apple Watch when you change a setting, and leaving it no longer resets your watch's settings and portfolio names. ### How to get it Update PulseFolio from the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870); 2026.10.5 includes everything from 2026.10.4. Then pick a period with some trading in it, a year for instance, and compare the gain with **After Costs**. If you haven't set up move alerts yet, [Parqet Portfolio Alerts](https://jeannot-muller.com/blog/parqet-portfolio-alerts/) shows how. PulseFolio is available on the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870) for iPhone and Apple Watch. ### FAQ **How do I see my Parqet portfolio's gain after fees and taxes?** Update PulseFolio to 2026.10.4 or later. On the iPhone dashboard, and on the Stats page of the Apple Watch app, PulseFolio now shows Fees & Taxes and the result After Costs right below the gross gain, for whichever period you've selected. The rows only appear when the period actually had fees or taxes. **Why does PulseFolio show “Return” instead of XIRR for one month?** XIRR is an annualized figure and isn't meaningful for periods under a year, so Parqet doesn't provide it there. For those periods PulseFolio shows the simple return for the period and now labels it “Return” instead of calling it XIRR, on the watch, the iPhone, in widgets, VoiceOver and Siri. **My Apple Watch showed “Setup Required” after I signed in to Parqet again. Is that fixed?** Yes. Since 2026.10.5 the iPhone hands the new Parqet connection to the Apple Watch directly, so the watch picks it up right away instead of waiting, sometimes for hours, for iCloud Keychain. iPhone and watch also pass each other every renewed connection, so neither asks you to sign in again just because the other renewed it first. **Why did the High and Low of a period change after the update?** Before, PulseFolio estimated them from the starting value and the return, which ignored buys and sales, so a period with large deposits could show a High far above anything the portfolio actually reached. They now come from your portfolio's actual values. Drawdown is measured on performance, so cash flows don't distort it either. ## Parqet Portfolio Alerts: Get Notified When Your Portfolio Moves More Than 2 % in a Day > Big market day, and you only find out when you happen to open the app? PulseFolio 2026.9.19 adds move alerts at 1, 2, 3 or 5 % for your Parqet portfolio — plus widgets that keep updating in the background, Anonymous Mode in Control Center, and Danish and Polish. URL: https://jeannot-muller.com/blog/parqet-portfolio-alerts/ Published: 2026-09-19 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) Markets have a big day, your portfolio drops 3 % by lunchtime — and you find out in the evening, because you happened to open an app. The alternative is worse: checking your portfolio twenty times a day just in case. What most long-term investors actually want is simpler: *leave me alone on normal days, tell me when something unusual happens.* PulseFolio 2026.9.19 adds exactly that for your [Parqet](https://parqet.com/) portfolio: **move alerts**. Pick a threshold, and your iPhone — and your Apple Watch — tells you when the portfolio moves more than that in a trading day. The update also keeps your widgets fresh in the background, puts Anonymous Mode into Control Center, and brings PulseFolio to Danish and Polish. ### Move alerts: a notification when your portfolio moves 1, 2, 3 or 5 % In PulseFolio's **Settings → Alerts**, turn on **Move Alerts** and choose an **Alert Threshold**: 1, 2, 3 or 5 % (the default is 2 %). The first time, iOS asks for permission to send notifications; if you have turned them off, the screen offers a shortcut to the notification settings. From then on, a few rules keep the alerts useful rather than noisy: - **Up or down.** A 2 % threshold fires on +2 % and on −2 % alike. Big up days are worth knowing about too. - **Today's return, not today's cash flows.** The comparison uses the day's time-weighted return (TTWROR) — not the raw change in value, so a deposit or withdrawal doesn't set off an alert. - **Once per trading day and portfolio.** Once an alert has gone out, a portfolio that keeps hovering around the threshold stays quiet until the next trading day. - **Only the live session.** You won't get a Saturday alert about Friday's move. - **The portfolio you're watching.** Alerts follow the portfolio selected in the iPhone app — a single portfolio, a [combination of several (or all of them)](https://jeannot-muller.com/blog/parqet-apple-watch-portfolio-complications/), or a [single sub-account](https://jeannot-muller.com/blog/parqet-sub-accounts/). The notification carries its name, including the short custom name if you gave it one. - **On your wrist, once.** The iPhone sends the alert and iOS mirrors it to your Apple Watch, so you feel the tap without getting every alert twice. Notifications show up on the Lock Screen, so privacy matters: the percentage is always included, but the money amount only appears while Anonymous Mode is off. One honest caveat: iOS decides how often an app may check in the background, so an alert can arrive late — sometimes well after the move itself. Move alerts are a nudge to take a look, not a real-time trading signal. ### Widgets that no longer freeze If you mainly look at PulseFolio through its Home Screen and [Lock Screen widgets](https://jeannot-muller.com/blog/parqet-lock-screen-widget-iphone/), you may have seen them stop updating after a while — stuck on an old value until you opened the app. That's fixed: PulseFolio now refreshes in the background on its own, so the widgets keep up even if you never open the app. As with alerts, iOS decides exactly when those background refreshes run. ### Anonymous Mode, one tap away Anonymous Mode replaces every amount with `•••` on your iPhone, Apple Watch and complications, while percentages, charts and trend arrows stay visible — handy on the train or in a meeting ([more on keeping your balance private](https://jeannot-muller.com/blog/hide-portfolio-total-apple-watch/)). On iOS 18 and later you no longer have to open the app to switch it: add the **Anonymous Mode** control to Control Center or the Lock Screen, or put it on the Action button, and flip it with a single press. ### PulseFolio now speaks Danish and Polish — and the language you choose PulseFolio is now fully translated into **Danish** and **Polish** — the iPhone app, the Apple Watch app, complications, widgets and Shortcuts. That makes eight languages: English, German, French, Italian, Spanish, Portuguese, Danish, and Polish. New as well: PulseFolio no longer has to use your iPhone's language. **Settings → Language** in PulseFolio opens its page in the iOS Settings app, where you can pick any of the eight; the Apple Watch app follows along. If the Language option doesn't appear there, add any second language under General → Language & Region first — iOS only offers per-app languages once you have more than one. (On some iOS versions, widgets can stay in the iPhone's language — a limitation on Apple's side.) ### A bigger widget for iOS 27 On iOS 27 the portfolio widget gains an **extra-large** size: a big return percentage at the top, value and gain, a large chart, and a grid of extra stats — the other return metric, the 7-day move, the period's range, and when the data was last updated. ### Apple Watch: Digital Crown and a tidier dashboard On the watch, you now move between periods with the **Digital Crown**. The dashboard was reworked so each period fits on one screen, even on smaller watches, and the Stats view no longer breaks numbers across two lines. PulseFolio is updated for watchOS 27, including the background refresh that keeps your complications current. ### Also in this update - **Insurance and P2P lending** holdings now show their asset type in the Holdings list. - **Clearer English texts:** a few places showed internal names instead of words, such as the title of the connection error banner and several labels in the Markets tab. They now read properly. - **Ready for iOS 27 and watchOS 27.** ### How to set up move alerts 1. Update to PulseFolio 2026.9.19 from the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870). 2. On the iPhone, select the portfolio you want to watch. 3. Open **Settings → Alerts**, turn on **Move Alerts** and allow notifications. 4. Pick your threshold: 1 % if you want to hear about most notable days, 5 % if you only care about the rare big ones. If you're new to PulseFolio, [Parqet on Your Apple Watch](https://jeannot-muller.com/blog/parqet-apple-watch-portfolio-complications/) covers the watch complications and [Parqet on Your iPhone Lock Screen](https://jeannot-muller.com/blog/parqet-lock-screen-widget-iphone/) walks through the widgets. PulseFolio is available on the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870) for iPhone and Apple Watch. ### FAQ **How do I get a notification when my Parqet portfolio moves a lot in one day?** Install PulseFolio on your iPhone, connect it to Parqet, and open Settings → Alerts in the app. Turn on Move Alerts, allow notifications, and pick a threshold of 1, 2, 3 or 5 %. PulseFolio then notifies you when the portfolio selected in the app moves more than that — up or down — during the current trading day. **Do PulseFolio's move alerts arrive in real time?** No. iOS decides how often an app may check in the background, so an alert can arrive some time after the move actually happened. Treat it as a nudge to take a look, not as a real-time trading signal. **Will I get several alerts on the same day?** No. PulseFolio sends at most one move alert per portfolio and trading day, so a portfolio hovering around your threshold does not ping you over and over. Only today's session counts — you will not get an alert on Saturday about Friday. **Can I use PulseFolio in a different language than my iPhone?** Yes. In PulseFolio, open Settings → Language: it takes you to PulseFolio's page in the iOS Settings app, where you can pick any of its eight languages. If the Language option is missing there, add any second language under General → Language & Region first. ## View Parqet Sub-Accounts Separately: Every Broker Depot on iPhone and Apple Watch > One broker login, several depots — and your portfolio app only ever shows the lump sum. PulseFolio's latest update lets you view each Parqet sub-account on its own, combine any subset, and rename them — on the iPhone dashboard, Apple Watch, complications, and widgets. URL: https://jeannot-muller.com/blog/parqet-sub-accounts/ Published: 2026-07-25 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) If you hold several depots at the same broker — a long-term ETF depot next to a trading depot at ING, say, or one depot per family member under a single login — [parqet.com](https://parqet.com/) imports them as *one* portfolio with several **sub-accounts**. That's tidy, but until now every app surface showed you only the lump sum: one total, one return, one chart. The question you actually had — *how is the ETF depot doing, on its own?* — went unanswered on your wrist and your Home Screen. PulseFolio's latest update fixes exactly that. You can now view any Parqet sub-account on its own, combine any subset of them, and rename them — and the selection works on every surface: iPhone dashboard, Apple Watch app, watch complications, and Lock/Home Screen widgets. ### Pick a single sub-depot Open the portfolio picker in the iPhone app and portfolios with sub-accounts get an expander. Unfold one and its sub-depots appear as rows underneath — tap one and the whole app switches to it: performance, holdings, dividends, allocation, and the chart all show just that depot. The numbers are not approximations. PulseFolio asks Parqet to filter server-side, so what you see for a sub-depot is exactly what Parqet itself would compute for it — no client-side summing, no rounding drift against the website. One honest caveat: the activity feed. Parqet's API doesn't filter activities by sub-account, so the Activities list keeps showing the parent portfolio's full feed, with a caption reminding you of the scope you're in. Everything else — value, gain, return, holdings, dividends, allocation, chart — is genuinely scoped. ### Combine two or more Sometimes the view you want isn't one sub-depot and isn't all of them either — it's *these two*. The picker's **Combine sub-accounts…** option opens a sheet where you select any subset and view it aggregated as one. Select every sub-depot and PulseFolio quietly collapses that back to the plain portfolio selection — which also includes any holdings the broker never attributed to a specific sub-depot, so the total stays honest. If this sounds familiar, it's the mirror image of the [consolidated portfolios](https://jeannot-muller.com/blog/parqet-apple-watch-portfolio-complications/) feature: that one merges portfolios *upwards* into a bigger picture; sub-accounts split one portfolio *downwards* into its parts. You can now move in both directions. ### Rename them — because imports won't Broker imports routinely deliver sub-depots with identical or cryptic names. In the portfolio picker's Edit mode you can rename any sub-account, and the custom name follows it everywhere — picker, dashboard, watch, complications, widgets. "Kids ETF" reads a lot better on a corner complication than a duplicated account title. ### On your watch face too A sub-account selection is a first-class citizen: pick a sub-depot (or a combination) for your watch complication or iPhone widget and it renders that scope, exactly like a full portfolio would. Your trading depot can live in one corner of the watch face and the family ETF depot in another. ### Also in this update Two smaller changes are worth knowing about: - **The headline gain now tells the whole story.** Parqet splits an interval's money gain into unrealized gains, realized gains, and dividends. PulseFolio used to show only the first — so if you sold a position during the period, the gain could look sharply negative while your return percentage said otherwise. All three parts are now summed, and the trend arrow follows the actual money gain. - **Better readability on the Apple Watch.** Green and red trend colors are now noticeably more vivid on the always-black OLED display, and secondary text is brighter — small digits stop looking washed out. ### How to use it 1. Update to the latest PulseFolio from the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870). 2. Open the portfolio picker on the iPhone and expand a portfolio that has sub-accounts. 3. Tap a sub-depot to view it alone, or choose **Combine sub-accounts…** for a subset. 4. Optionally rename sub-accounts in Edit mode, and assign one to a complication or widget. Sub-account support, like the rest of PulseFolio, is fully localized in English, German, French, Italian, Spanish, Portuguese, Danish, and Polish. If you're new to the app, [Parqet on Your Apple Watch](https://jeannot-muller.com/blog/parqet-apple-watch-portfolio-complications/) covers the watch complications, and [Parqet on Your iPhone Lock Screen](https://jeannot-muller.com/blog/parqet-lock-screen-widget-iphone/) walks through the widgets that now understand sub-accounts too. PulseFolio is available on the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870) for iPhone and Apple Watch. ## Check Your Parqet Portfolio in Public Without Revealing Your Net Worth > Raise your wrist on a crowded train and the person next to you can read your entire net worth off your Apple Watch. PulseFolio's new Hide Total Value setting fixes that — the total disappears from the watch, complications, and iPhone widgets while the percentage and gain/loss stay visible. URL: https://jeannot-muller.com/blog/hide-portfolio-total-apple-watch/ Published: 2026-06-25 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) You are on a crowded train. You raise your wrist to check how your portfolio is doing, and the person standing over your shoulder can read your entire net worth off your Apple Watch. Or you pull out your iPhone, and the Lock Screen widget you set up so carefully is now broadcasting your six-figure total to everyone in the queue behind you. If you track your portfolio with [parqet.com](https://parqet.com/), this is the quiet downside of putting your numbers everywhere you'll actually see them: *everyone else sees them too.* PulseFolio's latest update adds the fix — a **Hide Total Value** setting that lets you keep the glanceable signal you wanted without flashing the one number you'd rather keep to yourself. This post is for the Parqet user who types *hide portfolio value on apple watch* or *depot wert ausblenden* into Google, not someone hunting for a brand they've never heard of. Here is exactly what landed. ### What "Hide Total Value" does Turn it on under **Settings → Privacy** in the iPhone app, and your portfolio's total value disappears everywhere it would otherwise show up: - the **Apple Watch** app - your watch **complications** - the **iPhone Lock Screen and Home Screen widgets** The total — the absolute euro/dollar figure that *is* your net worth — is the part a stranger can read at a glance and instantly know how much you have. That's the number that goes. ### What stays visible Everything that makes the glance worth taking: - your **return percentage** for the selected period - your **gain or loss** for that period - the trend indicator, the sparkline, the magnitude-aware gauge In other words, you still see *how today went* and *which way things are moving* — you just don't broadcast *how much you have*. A percentage and a daily move tell a passer-by nothing about the size of your portfolio. The total tells them everything. Hiding only the total is the sweet spot: the wrist glance stays useful, your net worth stays yours. ### Hide Total Value vs. Anonymous Mode PulseFolio gives you two levels of privacy, for two different moments: - **Hide Total Value** is the everyday setting. Leave it on permanently and you get the percentage-and-trend view in public without ever thinking about it. - **Anonymous Mode** goes further. It hides *every amount* — total value, gain/loss, the value of each holding — and leaves only percentages, charts and trend arrows. Flip it on when you hand your phone to someone, or when even the size of today's gain says too much. Use the first as your default and the second when you need it. They stack cleanly: Hide Total Value trims the sensitive number out of your normal day; Anonymous Mode masks every amount on demand. ### Privacy goes deeper than one toggle Hiding the number on screen is only the visible half. The part you can't see matters just as much: PulseFolio talks to Parqet through the **OAuth 2.0 with PKCE** flow that Parqet itself provides, so the app never sees your Parqet password. Your access token lives in the iCloud Keychain on your own devices. There is no PulseFolio server in the middle and no separate PulseFolio account to create. The total you just hid from the train carriage was never sitting on someone else's machine in the first place. ### How to turn it on 1. Update to the latest PulseFolio from the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870). 2. Open the app and go to **Settings → Privacy**. 3. Toggle on **Hide Total Value**. The change propagates to the Watch, your complications, and your iPhone widgets right away — no relaunch. 4. Keep **Anonymous Mode** in your back pocket for the moments you want to hide every amount. That's it. The next time you raise your wrist on the train, you'll see exactly how you're doing — and the person behind you will see exactly nothing worth reading. ### Languages Hide Total Value, like the rest of PulseFolio, is fully localized in English, German, French, Italian, Spanish, Portuguese, Danish, and Polish — Watch app, iPhone app, complications, and widgets. The setting follows your iPhone's language. If you want more ways to keep your Parqet data close while keeping it yours, [Parqet on Your Apple Watch](https://jeannot-muller.com/blog/parqet-apple-watch-portfolio-complications/) covers watch complications and time tabs, and [Parqet on Your iPhone Lock Screen](https://jeannot-muller.com/blog/parqet-lock-screen-widget-iphone/) walks through the Lock Screen widgets that this setting now protects. PulseFolio is available on the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870) for iPhone and Apple Watch. ## ETF Overlap: How Much Do Two ETFs Really Share? > Check how much two ETFs overlap: the shared holdings, what each fund adds, and where the weights really differ. Pecuniator compares two Parqet X-Ray exports side by side, fully offline. URL: https://jeannot-muller.com/blog/compare-two-etfs-fund-overlap-parqet/ Published: 2026-06-19 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) You own two broad ETFs — or you are deciding whether to add a second one — and the real question is simple: **how much do they actually overlap?** Two funds can carry different names and still hold the same mega-caps at nearly the same weights. When that happens, the second fund adds far less diversification than the label suggests. That is the gap Pecuniator's new **Compare** view closes. Load two [parqet](https://parqet.com/) X-Ray exports side by side and it shows you, position by position, what the two funds share, what each one holds that the other does not, and where the weights really differ — all offline, on your own machine. ### Why overlap matters A second world-equity ETF *feels* like diversification. But if most of its weight already sits in your first fund, you largely own the same companies twice — same concentration, same top ten, just split across two tickers. Overlap is the single number that tells you whether a fund genuinely broadens your portfolio or quietly duplicates it. That answer is almost impossible to eyeball from two long holding lists. You would have to line up thousands of ISINs by hand. Compare does it in a second. ### How Compare works Drop in two parqet X-Ray CSVs — call them **A** and **B** — and Pecuniator matches every position by ISIN, then sorts the result into four tabs: - **In both** — the holdings the two funds share, with each fund's weight and value next to each other, so you can see where they agree and where one tilts heavier. - **Only in A** — what the first fund holds that the second does not. - **Only in B** — what the second fund adds that the first is missing. - **Summary** — the headline numbers: how many holdings each file has, how many are shared, and the overlap expressed both by weight and by value. ### Put a real number on it Percentages are useful, but money lands harder. Enter a **portfolio amount**, or **sync it from parqet**, and Compare values every position on both sides. Now *Only in B* is not an abstract list — it is the actual exposure the second fund would add that you do not already own, and the shared block is the position you would be doubling up on. Leave the amount blank to compare weights only. ### It stays on your machine Compare reads the two CSV files locally and does all the matching on your device. As with the rest of Pecuniator, nothing about your portfolio touches the network — no account, no upload, no tracking. The line at the bottom of the window says it plainly: *local-first — no data leaves this machine.* ### How to compare two funds in Pecuniator 1. In parqet, open each fund or portfolio and export its **X-Ray** as CSV. 2. Open Pecuniator and switch to **Compare**. 3. Load file **A** and file **B**. 4. *(Optional)* Enter your portfolio amount, or sync it from parqet, to see values instead of weights alone. 5. Read across the **In both**, **Only in A**, **Only in B**, and **Summary** tabs. Any CSV with the parqet X-Ray columns works, so you can compare two ETFs, two whole portfolios, or a single fund against your overall holdings. (None of this is investment advice — it is simply a clearer view of what you already own.) ### Get it Compare ships in **Pecuniator 7.4.0**. Already have the app? Just update to the latest version. New here? Pecuniator is a desktop app for [macOS](https://apps.apple.com/us/app/pecuniator/id6497061581) and [Windows](https://apps.microsoft.com/detail/9n6410dxhd97) — see everything it does on the [Pecuniator app page](https://jeannot-muller.com/apps/pecuniator/). It works hand in hand with parqet's X-Ray export, and if you want the country-and-region breakdown of a *single* portfolio first, start with [Parqet X-Ray CSV: what to do with it](https://jeannot-muller.com/blog/pecuniator-6-parqet-x-ray-offline/). ### FAQ **How can I check how much two ETFs overlap?** Export each fund's holdings as a parqet X-Ray CSV, then load both into Pecuniator's Compare view. It matches positions by ISIN and splits them into three lists — held by both, only in the first fund, and only in the second — plus a Summary tab that totals the shared exposure by weight and by value. Everything runs offline on your computer. **What does 'fund overlap' actually mean?** Overlap is the set of holdings two funds have in common. Two broad world ETFs can look different on the label yet share most of their largest positions — the same mega-cap stocks at similar weights. The overlap tells you how much real diversification a second fund adds versus how much it just duplicates what you already own. **Does comparing two funds send my data anywhere?** No. Pecuniator's Compare view reads the two CSV files locally and does all the matching on your device. Nothing about your portfolio leaves your machine — the same local-first principle as the rest of the app. **Can I see the value behind each position, not just percentages?** Yes. Enter a portfolio amount, or sync the total from parqet, and Pecuniator values every shared and unique holding for each fund. The Summary tab then shows the shared exposure both as a share of weight and as a real currency figure. ## When Does the FTSE All-World (VWCE/VWRL) Rebalance? Dates and a Built-In Countdown > The FTSE All-World index — the one VWCE and VWRL track — is reviewed quarterly, with the big reconstitutions in March and September. Here's the schedule, what it means, and how EquityLens now shows the next date with a live countdown. URL: https://jeannot-muller.com/blog/vwce-ftse-all-world-rebalancing-dates/ Published: 2026-06-18 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) If you hold the Vanguard FTSE All-World ETF — the accumulating **VWCE** (IE00BK5BQT80) or the distributing **VWRL** (IE00B3RBWM25) — you may have wondered: *when does the underlying index actually rebalance?* Here is the short answer: **The FTSE All-World index is reviewed quarterly, with changes taking effect after the close on the third Friday of March, June, September, and December. The two big reviews — the ones that actually add and drop companies — happen in March and September.** That is easy to state and surprisingly awkward to track. "The third Friday" is not a fixed calendar date — it lands on a different day each quarter — so you cannot just circle the same number four times a year. That is exactly the gap the latest EquityLens update closes, with a built-in countdown. ### What rebalancing actually is VWCE and VWRL both track the **FTSE All-World Index**, part of the FTSE Global Equity Index Series (GEIS) — a benchmark of roughly 4,000+ large- and mid-cap companies that together represent the great majority of the world's investable market value. Over a quarter, prices move, free-float and share counts change, and companies enter or leave the eligible universe. **Rebalancing** is the moment the index is brought back in line with its rules: weights are reset, newly qualifying companies are added, and ones that no longer qualify are dropped. The ETF that tracks the index then adjusts its holdings to match. For an index with several thousand underlying positions, this is a routine, rules-based housekeeping event — not a discretionary call by a manager reacting to the news. ### The schedule: quarterly, with the big reviews in March and September FTSE applies index changes on a fixed quarterly cadence. Review-driven changes are implemented **after the close on the third Friday of March, June, September, and December**, effective from the start of trading the following Monday. Not all four are equal, though: - **March** — *semi-annual review.* The full reconstitution, including a 12-month liquidity test, where constituents are added and removed. - **June** — quarterly review. Lighter maintenance: IPOs, changes in shares in issue, free-float and classification updates. - **September** — *semi-annual review.* The second major reconstitution of the year. - **December** — quarterly review. The other lighter maintenance pass. So the **biggest** changes to what is inside VWCE/VWRL cluster around **March and September**, while June and December mostly tidy up around the edges. The catch is the "third Friday." It is not a number you can memorise — it drifts across the month from quarter to quarter, and the implementation lands at the close of that day. It is the kind of thing that is simple in principle and annoying to compute by hand. ### Do you need to do anything? For most holders, no. Rebalancing is handled inside the fund by Vanguard — you place no trades, and your share count does not change. If you follow a buy-and-hold approach, it is information, not a to-do item. It is still worth knowing the date. A rebalancing is when the fund's composition can shift most, and it is a natural checkpoint to glance at your country and sector breakdown — if you want a tour of what is actually inside the fund, read [What Stocks Are in the VWCE ETF?](https://jeannot-muller.com/blog/what-stocks-are-in-vwce-etf/). (None of this is investment advice; it is just context for understanding the fund you already own.) ### See the next date at a glance The latest update adds a **Next Rebalancing** countdown so you never have to work out the next third Friday yourself: - a compact **strip on the Stocks tab** showing the next rebalancing date and a live countdown to it, and - a fuller **detail card on the History tab** with the same information in context. If you would rather not see it, you can **hide it anytime in Settings**. It is on by default and sits quietly alongside the [market-sentiment view](https://jeannot-muller.com/blog/market-sentiment-fear-greed-vix-equitylens/) added in the last release — and, like everything else in the app, it is computed on your device. ### Get it The update is available now on the App Store. Already have the app? Just update to the latest version. New here and want to track your VWCE or VWRL on iPhone, iPad, Apple Watch, and Mac? [Download it on the App Store](https://apps.apple.com/us/app/equitylens/id6756184524), or see everything it does on the [EquityLens app page](https://jeannot-muller.com/apps/equity-lens/). ### FAQ **When does the FTSE All-World index rebalance?** It follows the FTSE Global Equity Index Series schedule: reviews are implemented quarterly, taking effect after the close on the third Friday of March, June, September, and December. The two major reviews — when constituents are actually added and removed — fall in March and September; June and December are lighter maintenance reviews. **What is index rebalancing?** During a review, the index is brought back in line with its rules: weights are reset, newly qualifying companies are added, and ones that no longer qualify are dropped. The ETF that tracks the index — VWCE or VWRL — then adjusts its holdings to match. **Do I need to do anything when VWCE or VWRL rebalances?** No. Vanguard handles rebalancing inside the fund. You place no trades and your share count does not change — for a buy-and-hold investor it is purely informational. **Where does EquityLens show the next rebalancing date?** On the Stocks and History screens, with a live countdown to the next date. You can hide it anytime in Settings. ## Market Mood at a Glance: Fear & Greed, VIX & VVIX in EquityLens > EquityLens now shows market sentiment — the CNN Fear & Greed Index, VIX, and VVIX — on your screens, in a Home Screen and Lock Screen widget, and on Apple Watch. Plus interactive charts and five new languages. URL: https://jeannot-muller.com/blog/market-sentiment-fear-greed-vix-equitylens/ Published: 2026-06-14 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) You glance at your portfolio and the number is down. Is this a normal wobble, or is the whole market gripped by fear? For a quick gut-check, a lot of investors reach for the same handful of signals: the **CNN Fear & Greed Index**, the **VIX** (Wall Street's "fear gauge"), and the **VVIX** (the volatility of that gauge). The problem is they usually live in a browser tab, a separate finance site, or a TV ticker — never right next to the ETF you actually hold. The latest EquityLens update closes that gap. Market sentiment now lives inside the same app you already use to track your VWCE or VWRL position — at the top of the screen, on your Home Screen, on your Lock Screen, and on your wrist. ### See whether the market is fearful or greedy — without leaving the app #### A quick read where you already look At the top of both the **Holdings** and **History** screens, EquityLens now shows a compact sentiment row. One glance tells you where the Fear & Greed Index sits today, alongside the current VIX and VVIX levels. No extra tab, no separate app, no website. #### Tap any indicator for the full picture Want more than the headline number? Tap any of the three indicators and EquityLens opens a detail view with: - a **one-year chart** of that indicator, - **period comparisons** so you can see how today stacks up against last week, last month, and further back, - and the **components behind the score** — the underlying inputs that move the Fear & Greed reading. That is the difference between "the market is fearful" and understanding *why* it reads that way. #### On your Home Screen and Lock Screen A new **Home Screen widget** comes in small and medium sizes, plus a **Lock Screen** version. Pick the market-sentiment widget and you get the current reading every time you wake your phone — the same at-a-glance habit that makes the [EquityLens lock screen widget for your ETF price](https://jeannot-muller.com/blog/equitylens-update-lock-screen-widget-etf-data/) so handy, now for market mood. #### On Apple Watch EquityLens adds a **sentiment card** in the Watch app and a **watch-face complication**, so the Fear & Greed reading can sit right on your watch face next to the time. A raise of the wrist is all it takes. #### Not your thing? One switch turns it all off Sentiment indicators are useful for some investors and pure noise for others — especially if you follow a strict buy-and-hold, ignore-the-headlines philosophy. So the whole feature is **optional**: a single switch in Settings turns market sentiment on or off everywhere — screens, widgets, and watch — at once. ### Interactive charts: scrub to any date The historical price chart is now fully interactive. **Touch and drag** across the chart on iPhone to move a crosshair along the line and read the **exact date and value** at any point. On Mac and iPad, **hover** to do the same. It turns the chart from a static shape into something you can actually interrogate — handy when you want to pin down what your VWCE or VWRL was worth on a specific day. ### Now in five more languages EquityLens is now **fully localized in German, Spanish, French, Italian, and Brazilian Portuguese**, in addition to English. Every screen, chart label, statistic, and the new sentiment view appears in your language. If you have been using the app in English out of necessity, switch your device language (or the app's) and everything follows. ### Mac refinements On the Mac, there is a new **Settings button right in the window toolbar**, so you no longer have to hunt through menus to adjust currency, ETF version, or the new sentiment toggle. Controls throughout the desktop app have been polished to feel more at home on macOS. ### Fixes and polish As always, this release also includes a round of small bug fixes and refinements across the app — the kind of quiet improvements you do not notice individually but that add up to a smoother experience. ### Get the update The update is live now on the App Store. If you already have EquityLens, just update to the latest version and the sentiment row will appear at the top of your Holdings screen. New to EquityLens? It tracks your [VWCE or VWRL](https://jeannot-muller.com/blog/what-stocks-are-in-vwce-etf/) investment with live prices, full holdings analysis, and now market sentiment — on iPhone, iPad, Apple Watch, and Mac. [Download it on the App Store](https://apps.apple.com/us/app/equitylens/id6756184524), or see everything it does on the [EquityLens app page](https://jeannot-muller.com/apps/equity-lens/). ### FAQ **Can I turn off the market sentiment indicators in EquityLens?** Yes. A single switch in Settings turns the entire Market Sentiment feature on or off — across the Holdings and History screens, the Home Screen and Lock Screen widgets, and Apple Watch. If you follow a buy-and-hold strategy and prefer not to see daily sentiment swings, you can hide it completely. **Is there a Fear & Greed Index widget for iPhone?** Yes. EquityLens includes a Home Screen widget (small and medium) and a Lock Screen widget that show the current market sentiment reading, including the CNN Fear & Greed Index, alongside the VIX and VVIX. On Apple Watch there is also a sentiment card and a watch-face complication. **What languages does EquityLens support?** EquityLens is fully localized in English, German, Spanish, French, Italian, and Brazilian Portuguese. Every screen, chart label, and statistic — including the new market sentiment view — appears in your language. ## Portfolio Performance to Parqet: How to Import Your Data > Switching from Portfolio Performance to Parqet but there's no importer? ParqSafe reads your Portfolio Performance file, surfaces every portfolio inside, and turns the ones you pick into snapshots you restore straight into Parqet — locally, on your own computer. URL: https://jeannot-muller.com/blog/portfolio-performance-to-parqet/ Published: 2026-06-06 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) If you have decided to move from Portfolio Performance to Parqet, you have probably already hit the wall: there is no "import from Portfolio Performance" button anywhere in Parqet. You search for *Portfolio Performance to Parqet*, *Portfolio Performance nach Parqet importieren*, or *migrate from Portfolio Performance to Parqet* — and find very little beyond people asking the same question. This post is about how to actually do it without re-typing years of transactions by hand. Portfolio Performance is an excellent, free desktop tool — it is a favourite in the German-speaking investing community for good reason. But it is desktop-only. A lot of people reach a point where they want what Parqet adds on top: a web app, a phone app, broker sync, Lock Screen and Apple Watch widgets, sharing. The tracking history you have built up in Portfolio Performance is the one thing you do not want to leave behind when you switch. ### Why moving the data by hand is the wrong job for a human Your Portfolio Performance file is not just a list of current holdings. It is the full record: every buy and sell, every dividend, every deposit and withdrawal, the cash accounts, the transfers. Re-entering all of that into a fresh Parqet account is exactly the kind of slow, error-prone work that puts people off switching at all — and a single fat-fingered share count or wrong date quietly distorts every performance figure afterwards. So the realistic options have been: type it all in again, or give up some history and start Parqet from "today". Neither is good. This is the gap [ParqSafe](https://jeannot-muller.com/apps/parqsafe/) was extended to fill. ### How ParqSafe moves a Portfolio Performance portfolio into Parqet ParqSafe is a small desktop tool whose normal job is to [back up and restore Parqet portfolios](https://jeannot-muller.com/blog/backup-parqet-portfolio/) — it takes timestamped local snapshots and restores them into brand-new Parqet portfolios. Importing from Portfolio Performance reuses that same machinery, which is what makes it safe: 1. **Point ParqSafe at your Portfolio Performance file.** It reads the file and lists *every* portfolio inside it. You do not have to export or pre-process anything in Portfolio Performance first. 2. **Pick the portfolios you want.** A Portfolio Performance file often holds several portfolios and accounts; you choose which ones to bring across rather than getting an all-or-nothing dump. 3. **Each one becomes a snapshot.** ParqSafe turns each selected portfolio into a snapshot — the same kind of snapshot it makes when backing up Parqet — carrying the holdings, trades, dividends, and cash history with it. 4. **Restore the snapshot into Parqet.** From there you restore each snapshot into a **new** Parqet portfolio, and your history lands in Parqet ready to use. That is the whole loop. Read the file, choose the portfolios, restore them into Parqet — your years of records arrive intact instead of being retyped. ### It restores into a *new* portfolio — by design The single most important thing to understand is that ParqSafe never overwrites or edits an existing Parqet portfolio. A restore always creates a **brand-new** portfolio and rebuilds the data there. For a Portfolio Performance migration this is exactly the behaviour you want: - You cannot accidentally clobber a Parqet portfolio you have already started. - You can restore, look at the result next to your originals, and decide. - If the first attempt is not arranged the way you like, you simply restore again into another new portfolio — the source snapshot is untouched and reusable. Because the import produces a snapshot first, you also get ParqSafe's **preview** before anything is written to Parqet: you can see a summary of the snapshot's holdings and activity and confirm you picked the right portfolio before you commit. ### Your file stays on your computer A migration like this means handing a tool your complete financial history, so where that data goes matters. ParqSafe is **local-first**. Your Portfolio Performance file is read locally on your own machine and never leaves it — there is no ParqSafe server and no cloud upload of the file or its contents. The snapshots it produces are stored in a local database on your computer, exactly the same as ParqSafe's normal Parqet backups. The only thing that ever talks to the network is the final restore step, which writes into your own Parqet account through Parqet's official Connect API — a secure sign-in you authorize and can revoke at any time. ### What to check after the import Portfolio Performance and Parqet are different applications with different data models, so it is worth treating the restored portfolio as a draft to review rather than assuming a pixel-perfect copy. After restoring, open the new Parqet portfolio and sanity-check the things that matter to you — position counts, cash balances, and a few historical transactions. Because the original snapshot is never consumed or altered, you can restore it again into another fresh portfolio if you want to compare or retry. And if you would like a permanent record of the state you migrated from, ParqSafe keeps every snapshot indefinitely. ### Try the workflow before you commit If you want to see how snapshots and restore behave before pointing the tool at your real data, ParqSafe includes a **demo mode** with a sample portfolio — no Parqet account and no sign-in required. It is a low-risk way to get familiar with the preview-then-restore flow you will use for the real import. ### Where this fits with your other Parqet tools Importing your history is step one of living in Parqet. From there: - **ParqSafe** keeps doing its day job — [versioned local backups and safe restore-into-new](https://jeannot-muller.com/blog/backup-parqet-portfolio/) for your Parqet portfolios, so the history you just migrated is never one bad change away from being gone. - For deeper, offline number-crunching — country breakdowns, search across hundreds of positions, Excel export — see [analyzing your Parqet portfolio offline](https://jeannot-muller.com/blog/analyze-parqet-portfolio-offline/) and the [Parqet X-Ray CSV walkthrough](https://jeannot-muller.com/blog/pecuniator-6-parqet-x-ray-offline/). - For glanceable, day-to-day viewing, you can put [Parqet on your Apple Watch](https://jeannot-muller.com/blog/parqet-apple-watch-portfolio-complications/) or [your iPhone Lock Screen](https://jeannot-muller.com/blog/parqet-lock-screen-widget-iphone/). ### Availability ParqSafe is a desktop app, available now on both the [Mac App Store](https://apps.apple.com/us/app/parqsafe/id6770121839) and the [Microsoft Store](https://apps.microsoft.com/detail/9NBGTXR5XX0H). It reads your Portfolio Performance file locally, connects to Parqet only through Parqet's official Connect API, and never overwrites your existing portfolios. A final note: this article is about moving data between tools, not about what to invest in. **Nothing here is investment advice.** ParqSafe is an independent tool — it is not affiliated with, sponsored by, or endorsed by Parqet, nor by Portfolio Performance. It simply makes the move from Portfolio Performance to Parqet something you can do in a few clicks instead of an afternoon of manual data entry. ### FAQ **Can you import a Portfolio Performance file into Parqet?** Not directly — Parqet has no built-in Portfolio Performance importer. ParqSafe bridges that gap: it reads your Portfolio Performance file on your own computer, shows you every portfolio inside it, and turns the ones you choose into snapshots. You then restore each snapshot into a new Parqet portfolio, which is the simplest way to carry your history across without re-entering transactions by hand. **What does ParqSafe carry over from Portfolio Performance?** Each portfolio you select becomes a snapshot that includes its holdings, trades, dividends, and cash history. When you restore that snapshot, ParqSafe rebuilds the portfolio in Parqet with those records in place, so you start from your real history rather than an empty account. **Is my Portfolio Performance file uploaded anywhere?** No. ParqSafe reads the file locally on your own machine and it never leaves your computer. The data is processed on-device to build the snapshots; there is no ParqSafe server and no cloud upload of your Portfolio Performance file or your portfolio contents. **Does importing overwrite my existing Parqet portfolios?** No. ParqSafe's core safety guarantee is that a restore never touches an existing portfolio — it always rebuilds the snapshot into a brand-new portfolio in Parqet. You can preview a snapshot before restoring, and your existing portfolios remain untouched, so importing from Portfolio Performance can never damage what you already have. ## Where to Keep Your Original Broker and Bank Documents — All in One File > Your portfolio tracker stores the numbers, not the original PDFs. Here is how to keep every buy note, dividend statement, and tax document in one searchable, encrypted file. URL: https://jeannot-muller.com/blog/store-broker-statements-one-file/ Published: 2026-06-02 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) If you track your investments with a tool like Parqet, Portfolio Performance, or any other performance tracker, you have probably noticed something: the tracker is brilliant at showing you *numbers* — returns, allocations, dividends over time — but it does almost nothing with the *documents* those numbers came from. The original buy note, the dividend credit, the annual tax statement, the account statement from your bank: those PDFs end up everywhere except in one organized place. That is not a flaw in your tracker. It is simply not what a performance tracker is for. But it leaves a real gap, because the original documents are the ones that actually matter when it counts — at tax time, in a dispute, when you need to prove a cost basis, or years later when you are reconstructing what happened. This article is about closing that gap: keeping every original document in **one searchable, encrypted file**, with [Arcaria](https://jeannot-muller.com/apps/arcaria/). ### Your Performance Tracker Isn't a Document Archive A performance tracker reads your transactions and turns them into a live picture of your portfolio. To do that, it stores *data*: a buy of 12 shares at a certain price on a certain date. What it does not keep is the **source document** — the PDF your broker issued to confirm that trade, with its order number, fees, tax breakdown, and the exact wording you may need later. Most trackers were never designed to be a filing cabinet. They typically: - Store extracted figures, not the original PDF. - Have no full-text search across document contents. - Offer no place to tag a document, annotate it, or correct a misread field. - Leave you to find the original elsewhere when you actually need it. So the documents scatter. Some sit in email. Some are in a `Downloads` folder with names like `Abrechnung_2024_03_final(2).pdf`. Some are still only in your broker's portal — which often deletes statements after a year or two. When you finally need a specific dividend statement, the search starts. ### The "One File" Problem The usual fix is a folder system: a tree of directories by year, by bank, by type. It works for a while and then quietly rots. Folder names drift, documents land in the wrong place, and nothing inside the PDFs is searchable. Moving the whole thing to a new computer means dragging gigabytes of loose files and hoping the structure survives. Arcaria takes a different approach: **everything goes into one encrypted vault** on your own computer. Not a folder full of files — a single, organized, searchable archive. That one-file design is the part most tools miss, and it is what makes the rest possible: - **One thing to back up.** Your entire archive is a single encrypted file. Back it up or move it to another computer in one step. - **One thing to search.** Full-text search runs across the whole vault at once. - **One thing to protect.** There is one encrypted vault to secure, not a sprawling folder tree exposed in your file system. ### What Arcaria Does With a Statement When you import a PDF, Arcaria reads it for you and fills in the details that make it findable later: the **date, amount, currency, bank, account or custody account, ISIN, and document type.** Buy and sell notes, dividend credits, tax documents, and account statements are each sorted into place automatically. Many statements from banks and brokers across Europe and beyond (with the deepest coverage in Germany, Austria, and Switzerland) are recognized out of the box. When a statement isn't detected automatically, you fill in the missing details in a few clicks — and because every field stays editable, you can correct or refine anything at any time. The original PDF always sits right beside the extracted details, so you can read the source and open it in your default app whenever you want. ### Full-Text Search, Tags, and Notes — the Bonus Storing the documents is the foundation. What makes the archive genuinely useful day to day is everything you can do once they are in: - **Full-text search** across every document and every note, so you find a statement by what it *says*, not just its file name. - **Tags** to group documents your own way — a tax year, a specific account, an asset class. - **Your own notes** attached to any document, for the context a PDF doesn't capture. - **Editable fields**, so a misread amount or a missing ISIN is a quick fix, not a dead end. - **A name and color for each bank**, so the whole archive reads at a glance. This is the layer a performance tracker simply doesn't offer, because it is solving a different problem. ### Following a Position Across Banks by ISIN Because every document carries its ISIN, Arcaria lets you follow a single security across banks and custody accounts. If you hold the same ETF at two brokers, the buy notes, dividend statements, and tax documents for that ISIN line up together — regardless of which institution issued them. That is something a per-broker portal can never do, and a tracker focused on aggregate performance usually won't. ### Local, Encrypted, and Offline The reason all of this can live in one place is that it never leaves your machine. Arcaria has **no account, no cloud, and no tracking.** Your documents sit in a single encrypted vault, and backups are encrypted as well. It works fully offline, and it never connects to your bank or broker — you import the PDFs you already have. This is the same local-first principle behind keeping your portfolio work on your own computer, described in [analyzing your Parqet portfolio offline](https://jeannot-muller.com/blog/analyze-parqet-portfolio-offline/) and in the companion tool for [backing up your Parqet portfolio](https://jeannot-muller.com/blog/backup-parqet-portfolio/). Your performance tracker shows you where you stand; your document archive proves how you got there. Keeping both on your own machine means the complete record is always yours. ### Availability Arcaria is a desktop app for **macOS** (on the Mac App Store) and **Windows** (on the Microsoft Store). The app interface is available in **English and German**, with number and date formats matched to each language. A final note: Arcaria is a document organizer and personal archive that helps you keep your financial paperwork in order. It does not provide investment, financial, tax, or legal advice, and **nothing here is investment advice.** It simply gives the original documents — the ones your tracker doesn't keep — a single, searchable, encrypted home. ### FAQ **Can't my portfolio tracker just store my documents too?** Most performance trackers store the data they extract — positions, transactions, values — but not the original PDF your bank or broker issued. They are built to show returns, not to be a document archive. That is why the source documents usually end up scattered across email, your Downloads folder, and broker portals that delete older files. Arcaria is built for the opposite job: it keeps the original PDFs themselves, organized in one place. **Where does Arcaria store my documents?** In a single encrypted vault on your own computer. There is no account, no cloud, and no tracking, and Arcaria works completely offline. Because everything lives in one file, you can back it up or move it to another computer in a single step — and the backup is encrypted too. **Which banks and brokers does Arcaria recognize?** Many statements from banks and brokers across Europe and beyond (with the deepest coverage in Germany, Austria, and Switzerland) are read automatically — buy and sell notes, dividend credits, tax documents, and account statements. Arcaria fills in the date, amount, currency, bank, account or custody account, ISIN, and document type for you. Anything it does not detect automatically, you complete in a few clicks, and every field stays editable. **Can I search inside my PDFs?** Yes. Full-text search runs across the contents of every document and every note you add, so you can find a statement by what it says rather than by its file name. You can also sort and filter by year and month, bank and account, ISIN, or document type. **Does Arcaria connect to my bank?** No. Arcaria never connects to your bank, your broker, or any online account. You import the PDF files you already have, and it works only with those, entirely on your own computer. ## Amundi Prime All Country World ETF (ETF151): Holdings & TER > What's inside the Amundi Prime All Country World UCITS ETF (ETF151/ETF150)? 3,400+ stocks, the top 10 holdings, country and sector weights, acc vs dist, and why its low TER matters. URL: https://jeannot-muller.com/blog/amundi-prime-all-country-world-etf/ Published: 2026-05-30 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) If you are hunting for the cheapest way to own the entire global stock market in a single fund, the Amundi Prime All Country World UCITS ETF keeps coming up. It has become one of the lowest-cost all-world ETFs available to European investors, and that price tag alone is enough to make long-term buyers take notice. But what are you actually buying? What companies, countries, and sectors sit inside it — and how does the accumulating version differ from the distributing one? Here is a grounded look at what the fund holds and why its cost structure matters more than most people realise. ### What Index Does It Track? The Amundi Prime All Country World ETF does not follow the FTSE or MSCI benchmarks you might expect. Instead, it tracks a **Solactive GBS Global Markets index** — Solactive's "all country world" family covering large- and mid-cap stocks across both developed and emerging markets. In practice, that means the fund gives you essentially the same exposure as the better-known global benchmarks: thousands of companies spanning roughly 40-plus countries, weighted by market capitalisation. The index provider is different, but the investable universe is broadly comparable to the FTSE All-World tracked by [the VWCE ETF](https://jeannot-muller.com/blog/what-stocks-are-in-vwce-etf/) or the MSCI ACWI family. Where it diverges most is at the very bottom of the market-cap scale, where different providers draw slightly different lines — and, crucially, on cost. ### Why the Low TER Matters So Much The headline reason investors flock to the Amundi Prime All Country World ETF is its **very low total expense ratio (TER)**, which sits among the cheapest in the all-world category — a small fraction of a percent per year. A difference of a tenth of a percent in annual fees sounds trivial. Over a single year it is. But compounded across two or three decades of investing, fee differences quietly erode a meaningful slice of your final balance. For a buy-and-hold investor who plans to own a global equity fund for 20 or 30 years, the TER is one of the very few variables fully within their control. You cannot control returns; you can control costs. This is exactly why cost-conscious investors compare the Amundi Prime All Country World ETF against alternatives like the [SPDR MSCI ACWI IMI ETF](https://jeannot-muller.com/blog/spdr-msci-acwi-imi-etf-holdings/) and VWCE. All three deliver broadly similar global diversification, so the decision often comes down to fee, index methodology, and the practical question of share classes. ### The Top Holdings Because the fund is market-cap weighted, the same global mega-caps that dominate every all-world index sit at the top here too. The largest positions typically include: 1. **Apple** — consistently near the top 2. **Microsoft** — driven by cloud and enterprise software 3. **NVIDIA** — propelled by AI and data-centre demand 4. **Amazon** — e-commerce and cloud (AWS) 5. **Alphabet (Google)** — across share classes 6. **Meta Platforms** — advertising and social media 7. **Broadcom** — semiconductors and infrastructure software 8. **Taiwan Semiconductor (TSMC)** — the leading contract chipmaker 9. **Tesla** — electric vehicles and energy 10. **JPMorgan Chase** — the largest US bank The exact ranking shifts as markets move, but the picture is unmistakable: a handful of US technology giants carry outsized weight. The top 10 positions alone typically account for somewhere around a fifth of the entire fund. This is not a stylistic choice by Amundi — it is simply what a market-cap-weighted snapshot of the world looks like today. ### Country Allocation Geography is where many investors get their first surprise. An "all country world" label suggests broad balance, but market-cap weighting tilts the fund heavily toward the largest equity market on earth: - **United States**: ~60% - **Japan**: ~6% - **United Kingdom**: ~3.5% - **China**: ~3% - **France**: ~2.5% - **Canada**: ~2.5% - **Switzerland**: ~2% - **India**: ~2% - **Germany**: ~2% - **Australia**: ~1.5% - **Remaining countries**: the rest That roughly 60% US weighting is the defining characteristic of the fund. Your "all-world" ETF is, in reality, a US-heavy portfolio with international diversification stacked around it. Whether that concerns you is a personal judgement: bulls point out that these are globally operating businesses earning revenue everywhere; bears note that a prolonged US underperformance would weigh disproportionately on the fund. This is the same structural reality you will find across global trackers — [VWCE](https://jeannot-muller.com/blog/what-stocks-are-in-vwce-etf/) and the [SPDR MSCI ACWI IMI ETF](https://jeannot-muller.com/blog/spdr-msci-acwi-imi-etf-holdings/) show the same US and mega-cap concentration, because market-cap weighting leads every broad global index to the same place. ### Developed vs. Emerging Markets The fund blends developed and emerging markets into one product, with a split that lands roughly at: - **Developed Markets**: ~88-90% - **Emerging Markets**: ~10-12% Emerging exposure comes mainly from China, Taiwan, India, South Korea, Brazil, and a long tail of smaller markets. As with every cap-weighted all-world fund, that emerging slice is smaller than many newcomers expect — if you want a stronger emerging-market tilt, you would need to add a dedicated fund alongside it. ### Sector Tilt Sector exposure is broad but far from even. Technology has grown into the dominant slice: - **Technology**: ~24-26% - **Financials**: ~15-16% - **Healthcare**: ~10-11% - **Consumer Discretionary**: ~10% - **Industrials**: ~10% - **Communication Services**: ~7% - **Consumer Staples**: ~6% - **Energy**: ~4-5% - **Materials**: ~4% - **Utilities**: ~3% - **Real Estate**: ~2% The heavy technology weighting means the fund tends to move with the tech sector more than a perfectly balanced portfolio would. Financials, healthcare, and consumer staples provide some counterweight, but anyone holding this ETF should understand that "global diversification" still comes with a pronounced tech tilt baked in by today's market structure. ### ETF151 vs. ETF150: Accumulating or Distributing? This is the practical question almost every prospective buyer asks. The Amundi Prime All Country World ETF comes in two share classes: - **ETF151 (Accumulating / thesaurierend)**: Dividends are automatically reinvested inside the fund. You receive no cash payouts. In many European countries this is more tax-efficient, since you avoid repeatedly triggering taxable dividend events, and reinvestment happens automatically without trading costs. - **ETF150 (Distributing / ausschüttend)**: Dividends are paid out to your brokerage account on a regular schedule. Investors who want a tangible cash flow — or whose tax situation makes distributions neutral or favourable — often prefer this version. Both share classes track the same index and hold the same underlying companies. The choice between them is about cash flow and your local tax treatment, not about different investments. If you are weighing "Amundi Prime All Country World thesaurierend oder ausschüttend", that is the heart of it: same portfolio, different dividend mechanics. It is worth noting that the two share classes can have subtly different published holdings sets, which is why a tool that tracks them separately is useful when you want to confirm exactly what sits inside the version you actually own. ### Exploring the Holdings in Detail A factsheet gives you a static, top-10 snapshot. The full list runs to **3,400+ holdings**, and a downloadable spreadsheet of thousands of rows is awkward to explore in any meaningful way. AmundiLens was built specifically for this fund to make that analysis practical. It lets you browse all 3,400-plus holdings interactively, search by company, country, sector, or ISIN, and switch between the **ETF151 (Accumulating)** and **ETF150 (Distributing)** share classes — each with its own holdings set. On top of that you get live NAV updates in 10 currencies, historical charts with moving averages, a dedicated drawdown chart, and statistics like CAGR, volatility, and winning/losing streaks. Everything runs locally on your device, with iCloud sync across iPhone, iPad, Apple Watch, and Mac. Whether the Amundi Prime All Country World ETF is already the core of your portfolio or you are comparing it against VWCE and the SPDR MSCI ACWI IMI before you buy, being able to inspect the real holdings — rather than skim a one-page summary — turns you from a passive holder into an informed one. And for a fund whose whole appeal is low cost and broad diversification, knowing exactly what you own is the natural complement to keeping your fees low. ### FAQ **What index does the Amundi Prime All Country World ETF track?** It tracks a Solactive GBS Global Markets index covering large- and mid-cap stocks across developed and emerging markets — roughly 40-plus countries weighted by market capitalisation. The investable universe is broadly comparable to the FTSE All-World or MSCI ACWI; the main difference is the index provider and, crucially, the cost. **What is the difference between ETF151 and ETF150?** ETF151 is the accumulating share class: dividends are automatically reinvested inside the fund with no cash payout, which is often more tax-efficient in Europe. ETF150 is the distributing share class: dividends are paid out to your account regularly. Both classes track the same index and hold the same underlying companies — the choice is about cash flow and local tax treatment. **Why does the low TER matter so much for long-term investors?** The Amundi Prime All Country World ETF carries one of the lowest total expense ratios in the all-world category. A fraction-of-a-percent difference sounds trivial yearly, but compounded over two or three decades it quietly erodes a meaningful slice of your final balance. Costs are one of the few variables a buy-and-hold investor can actually control. **How does the Amundi Prime All Country World ETF compare to VWCE?** Both deliver broad global diversification at low cost, but they use different index providers: Amundi tracks a Solactive benchmark while VWCE tracks the FTSE All-World. Country and sector weights are broadly similar, with the US representing the largest share in each. The decision often comes down to TER difference, index methodology preferences, and whether you want accumulating or distributing mechanics. ## How to Back Up Your Parqet Portfolio (and Restore It) > Parqet has no built-in snapshot or restore. Learn how to back up your Parqet portfolio locally and restore any snapshot into a brand-new portfolio safely. URL: https://jeannot-muller.com/blog/backup-parqet-portfolio/ Published: 2026-05-30 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) Your Parqet portfolio is not just a number on a dashboard. It is months — often years — of carefully recorded transactions: every buy, every sell, every dividend, every fee, every manually corrected entry. Parqet (formerly Tresor One) does a great job of keeping that history live and up to date. But there is one thing it does not give you: a way to take a snapshot of a portfolio and restore it later. That gap becomes very real the moment you want to restructure something. Maybe you are about to merge two portfolios, reclassify a batch of holdings, split a position, or experiment with a different account structure. Maybe you just want a safety net before letting an import run. There is no "undo" button for a portfolio's entire state, and no built-in restore point. If something goes sideways during a big change, rebuilding that history by hand is painful at best and impossible at worst. This guide explains why backups matter for a Parqet user, and walks through a safe snapshot-and-restore workflow using ParqSafe — a small desktop tool built for exactly this problem. ### Why a Parqet Portfolio Needs a Backup It is easy to assume that because Parqet syncs with your broker, your data is "safe." And in terms of day-to-day availability, it is. But syncing is not the same as having a restore point. Consider the situations where a snapshot would have saved you a lot of grief: - **Before a big restructuring.** You want to reorganize holdings, change how positions are grouped, or migrate to a new portfolio layout. A snapshot lets you proceed without fear, because the previous state is preserved. - **Before a bulk import or edit.** Imports occasionally bring in duplicates or misclassified entries. If you have a backup from before the import, you can compare — or rebuild cleanly. - **Archiving a moment in time.** Year-end, before a tax event, or after finally getting a portfolio "just right" — sometimes you simply want to freeze a known-good state and keep it. - **Experimenting safely.** If you like to test ideas, having the original tucked away means you can be bold without risk. A live, always-current system is excellent for tracking. It is not the same as a versioned history you can roll back to. ### How the Connect-API Sign-In Works (and Why It's Private) The first question any privacy-conscious investor asks is: *how does a third-party tool even get access to my portfolio, and what does it see?* ParqSafe connects to Parqet **only** through Parqet's official Connect API. When you authorize it, you sign in on **Parqet's own secure page** — the standard OAuth flow. That means: - ParqSafe **never sees or stores your Parqet password.** You type it on Parqet's site, not in the app. - Authorization is a revocable token. You can **revoke ParqSafe's access at any time** from your Parqet account. - The app reads your portfolio data through the sanctioned API rather than scraping or screen-recording anything. Just as important is where your backups live. ParqSafe is **local-first**: your snapshots are stored in a local database on your own computer. There is no ParqSafe server, no cloud bucket, no third-party processing your holdings in the background. This is the same principle behind keeping detailed portfolio work on your own machine — the philosophy laid out in [analyzing your Parqet portfolio offline](https://jeannot-muller.com/blog/analyze-parqet-portfolio-offline/). Your complete portfolio composition — exact share counts, values, transaction history — stays with you. To be clear: ParqSafe is an independent tool. It is **not affiliated with, sponsored by, or endorsed by Parqet.** It simply uses Parqet's public Connect API the way that API is meant to be used. ### The Snapshot → Preview → Restore Workflow The core of ParqSafe is a deliberately simple, safe loop. The most important design decision is this: **a restore never overwrites or modifies an existing portfolio.** It always rebuilds the snapshot into a brand-new portfolio. Your originals are never touched. #### 1. Take a Snapshot With access authorized, you create a timestamped backup of a portfolio with a click. The snapshot captures the portfolio's state at that moment. Take one before any change you are nervous about — it costs nothing and takes seconds. #### 2. Keep the Full History ParqSafe keeps your **full backup history**. Nothing is overwritten, and nothing expires. Each snapshot is its own point in time, so you build up a versioned timeline of your portfolio rather than a single rolling copy. Want to compare how a portfolio looked in January versus April? The snapshots are both still there. #### 3. Preview Before You Restore Before committing to a restore, you can **preview a snapshot** — see a summary of its holdings and activity — so you know exactly what you are about to recreate. No guessing, no surprises. This matters when you have several snapshots and need to pick the right one. #### 4. Restore Into a New Portfolio When you restore, ParqSafe creates a **new** portfolio in Parqet and rebuilds the snapshot's structure there. Because it never overwrites your existing portfolios, you can restore freely: to recover a lost structure, to clone a known-good setup as a starting point, or to put an archived state side by side with your current one for comparison. This is the safety net the platform doesn't provide on its own: snapshot before the risky change, and if you don't like the result, restore the earlier state into a fresh portfolio and carry on. ### Moving Backups Between Computers Local-first storage raises a fair question: what if you switch machines, or want a copy somewhere else for peace of mind? ParqSafe handles this with **encrypted export and import.** You can export your backups to a single password-protected file secured with **AES-256 encryption**, then import it on another computer running ParqSafe. The data stays encrypted in transit and at rest — you carry it on a USB stick, drop it in your own cloud storage, or move it across machines, and only your password unlocks it. This keeps the local-first promise intact while still letting you keep an off-machine copy or migrate to a new laptop. ### Try It First in Demo Mode If you want to understand the workflow before connecting your real account, ParqSafe includes a **demo mode** with a sample portfolio. No Parqet account, no sign-in, no authorization required. You can take snapshots, preview them, and walk through a restore against the sample data to see exactly how everything behaves. It is the lowest-risk way to decide whether the tool fits how you work. ### Where ParqSafe Fits Alongside Your Other Tools Backups are one piece of a wider toolkit for living with a Parqet portfolio: - **ParqSafe** handles the thing Parqet doesn't: versioned, local snapshots and safe restore-into-new. - For deeper, offline number-crunching — country breakdowns, search across hundreds of positions, Excel export — there is the approach described in [analyzing your Parqet portfolio offline](https://jeannot-muller.com/blog/analyze-parqet-portfolio-offline/) and the related [Parqet X-Ray CSV walkthrough](https://jeannot-muller.com/blog/pecuniator-6-parqet-x-ray-offline/). - For glanceable, day-to-day viewing, you can put [Parqet on your Apple Watch](https://jeannot-muller.com/blog/parqet-apple-watch-portfolio-complications/) or [your iPhone Lock Screen](https://jeannot-muller.com/blog/parqet-lock-screen-widget-iphone/). Each does one job well. ParqSafe's job is to make sure that the careful history you have built up in Parqet is never one bad change away from being gone. ### Availability ParqSafe is a desktop app, available now on both the [Mac App Store](https://apps.apple.com/us/app/parqsafe/id6770121839) and the [Microsoft Store](https://apps.microsoft.com/detail/9NBGTXR5XX0H). It connects through Parqet's official Connect API, keeps everything local, and never overwrites your existing portfolios. A final note: this article is about backing up and restoring data, not about what to invest in. **Nothing here is investment advice.** And ParqSafe is an independent tool, not affiliated with or endorsed by Parqet — it simply makes a Parqet portfolio something you can snapshot, archive, and restore with confidence. ### FAQ **How do you back up a Parqet portfolio with ParqSafe?** Authorize ParqSafe once through Parqet's official Connect API, then click to create a timestamped snapshot of any portfolio. Each snapshot is stored locally on your computer. You can take as many as you like — before restructuring, before a bulk import, or simply to archive a known-good state — and the full history is kept indefinitely. **Does ParqSafe need your Parqet password?** No. ParqSafe uses Parqet's standard OAuth flow, so you sign in on Parqet's own secure page, not inside the app. ParqSafe never sees or stores your password. The resulting authorization token is revocable at any time from your Parqet account settings. **Does restoring a snapshot overwrite your existing Parqet portfolio?** No. The most important safety guarantee in ParqSafe is that a restore never touches existing portfolios. It always rebuilds the snapshot into a brand-new portfolio in Parqet. You can preview the snapshot before committing, and your originals remain untouched no matter how many times you restore. **Is ParqSafe affiliated with or endorsed by Parqet?** No. ParqSafe is an independent tool that is not affiliated with, sponsored by, or endorsed by Parqet. It connects through Parqet's publicly available Connect API, which is the same sanctioned interface any authorized third-party app would use. ## SPDR MSCI ACWI IMI (SPYI) Holdings: Top 10, Countries, Sectors > What's inside the SPDR MSCI ACWI IMI UCITS ETF (SPYI/SPSA)? 4,500+ stocks including small caps, the top 10 holdings, country and sector weights, and which share class to pick. URL: https://jeannot-muller.com/blog/spdr-msci-acwi-imi-etf-holdings/ Published: 2026-05-30 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) The SPDR MSCI ACWI IMI UCITS ETF is one of the broadest single-fund ways to own the global stock market. It trades under two tickers — SPYI for the accumulating share class and SPSA for the distributing one — and together they give European investors exposure to roughly the entire investable equity universe in a single product. Yet most investors who buy it know the marketing line ("the whole world") far better than they know what is actually inside. If you own SPYI or SPSA, or are weighing it against a fund like VWCE, here is a detailed look at what you are really investing in. ### What Does MSCI ACWI IMI Actually Mean? The name encodes exactly what the fund tracks. **ACWI** stands for "All Country World Index" — it combines developed markets (the US, Europe, Japan, and so on) with emerging markets (China, India, Taiwan, Brazil, and others). **IMI** stands for "Investable Market Index", and this is the part that sets it apart. A standard ACWI index holds large-cap and mid-cap companies. The IMI version adds **small caps** on top, which pushes its coverage to roughly 99% of the global investable market capitalization. In practical terms, that means the index reaches far further down the size scale than most "world" ETFs do. This is the key difference from the FTSE All-World index behind VWCE, which captures large and mid caps only. If you want the side-by-side, our breakdown of [what stocks are in the VWCE ETF](https://jeannot-muller.com/blog/what-stocks-are-in-vwce-etf/) explains that fund in the same detail. The short version: ACWI IMI is broader at the bottom end, holding several thousand more small companies — which is why the SPDR fund carries 4,500+ holdings versus roughly 3,700 in VWCE. ### The Top Holdings: Familiar Giants at the Top Despite the thousands of small caps at the bottom, the SPDR MSCI ACWI IMI ETF is market-cap weighted, so the very largest companies still dominate. The small caps add breadth, not weight — collectively they make up only a single-digit percentage of the fund. The top of the list looks much like any global equity ETF: 1. **Apple** — consistently among the one or two largest positions 2. **Microsoft** — driven by cloud and enterprise software 3. **NVIDIA** — propelled by AI and GPU demand 4. **Amazon** — e-commerce and AWS cloud infrastructure 5. **Alphabet (Google)** — Class A and Class C shares combined 6. **Meta Platforms** — social media and advertising 7. **Taiwan Semiconductor (TSMC)** — the world's leading chip manufacturer 8. **Broadcom** — semiconductors and infrastructure software 9. **Tesla** — electric vehicles and energy 10. **JPMorgan Chase** — the largest US bank The top 10 typically account for somewhere around 18-20% of the entire fund. The names shuffle as markets move, but the picture is stable: a handful of US mega-cap technology companies sit at the center. That is not a choice by the fund provider — it is a direct reflection of where global market value is concentrated today. ### Country Allocation: Still US-Heavy Because the fund weights companies by market capitalization, countries with the biggest stock markets get the biggest slice. The geographic profile is therefore close to other all-world funds, with the US dominant. #### Approximate Country Breakdown - **United States**: around 60-63% - **Japan**: around 5-6% - **United Kingdom**: around 3.5% - **China**: around 2.5-3% - **Canada**: around 2.5% - **France**: around 2.5% - **Switzerland**: around 2% - **India**: around 2% - **Germany**: around 2% - **Australia**: around 1.5-2% - **Remaining countries**: the balance Even though the IMI structure adds thousands of small caps, it does not meaningfully change the country mix — small caps are spread across the same markets in roughly the same proportions. So your "all-country, all-cap" fund is still, at heart, a US-heavy global portfolio. **The bull case**: large US-listed companies earn revenue worldwide, so a US weighting is not the same as a US-only economic bet. **The bear case**: a decade-plus of US outperformance has lifted valuations and index weights; if that reverses, a fund this US-tilted will feel it. Understanding this concentration matters more than the exact percentage on any given day — which is why a tool that shows the live, current split is more useful than a static factsheet. ### Sector Distribution: A Clear Tech Tilt Sector exposure is broad but uneven, and technology leads by a wide margin — again a direct consequence of the mega-caps at the top. #### Approximate Sector Breakdown - **Technology**: around 24-26% - **Financials**: around 15-16% - **Healthcare**: around 10-11% - **Consumer Discretionary**: around 10% - **Industrials**: around 10% - **Communication Services**: around 7% - **Consumer Staples**: around 6% - **Energy**: around 4-5% - **Materials**: around 4% - **Utilities**: around 3% - **Real Estate**: around 2-3% The technology weighting means the fund is heavily influenced by tech-sector performance — when chip and software stocks sell off, an "all-world" fund can fall more than its diversified label suggests. Financials and healthcare act as partial counterweights, behaving differently from tech across the cycle. ### Developed vs. Emerging Markets The fund holds both developed and emerging markets in one wrapper, with a split of roughly: - **Developed Markets**: around 88-90% - **Emerging Markets**: around 10-12% Emerging-market exposure comes mainly from China, India, Taiwan, South Korea, Brazil, and South Africa. This is lower than many newcomers expect: even an "all country" fund leans heavily developed, because that is where market capitalization sits. Taiwan is a good illustration — TSMC alone gives a single Taiwanese company more weight than several entire developed countries. For comparison, other broad global funds make different design choices here. The [Amundi Prime All Country World ETF](https://jeannot-muller.com/blog/amundi-prime-all-country-world-etf/) tracks a different index provider's ACWI methodology. ### SPYI vs. SPSA: Which Share Class Should You Hold? Both tickers track the same MSCI ACWI IMI index and hold essentially the same companies. The difference is what happens to the dividends the underlying stocks pay: - **SPYI (Accumulating)**: dividends are automatically reinvested inside the fund. You receive no cash payout. In many European countries this is the more tax-efficient choice for long-term, buy-and-hold investors, because you avoid the taxable event of receiving a distribution. - **SPSA (Distributing)**: dividends are paid out to your brokerage account on a schedule. Some investors prefer the regular cash flow, or their tax situation makes it neutral either way. One subtlety worth knowing: because the two share classes are managed separately, their published holdings lists are maintained as separate datasets and can differ slightly in the exact long tail of small positions, even though the index and the broad allocation are identical. If you hold one specific share class, it pays to look at that share class's actual holdings rather than assuming they are byte-for-byte the same. ### Why It Matters to Know What You Own Passive investing does not mean uninformed investing. Knowing the composition of your ETF helps you: - **Assess concentration risk**: if you also own individual US tech stocks, your total portfolio may be far more concentrated than the "world ETF" label suggests. - **Make sensible rebalancing decisions**: knowing the fund is already ~60% US tells you that adding an S&P 500 ETF mostly doubles down, while a small-cap or emerging-markets tilt would add genuine diversification — and that with IMI you already own those small caps. - **Stay calm in volatility**: when tech drops and your "all-world" fund follows, understanding the sector weights explains why, and prevents panic selling. ### Exploring the SPDR MSCI ACWI IMI Holdings in Detail The official holdings file on the provider's site is a spreadsheet with thousands of rows — accurate, but hard to explore in any meaningful way, and it does not separate the two share classes cleanly for a non-expert. SpiderLens was built to make this practical. It tracks the SPDR MSCI ACWI IMI UCITS ETF specifically, with full support for both SPYI (Accumulating) and SPSA (Distributing) — each with its own holdings set. You can browse all 4,500+ positions, search by company, country, sector, or ISIN, and see geographic and sector breakdowns at a glance. Alongside the holdings, it shows live NAV in 10 currencies, historical charts with 38/50/100/200-day moving averages, a dedicated drawdown chart, and statistics like CAGR, volatility, and best/worst day. Everything runs locally and privately on iPhone, iPad, Apple Watch, and Mac — no accounts, no tracking. Whether this fund is the core of your portfolio or something you are still researching, being able to dig into the real holdings — not just read a one-page factsheet — turns you from a passive holder into an informed one. Knowing what is inside your investments is not about active management; it is about understanding what you own and why it behaves the way it does. ### FAQ **What does IMI mean in MSCI ACWI IMI?** IMI stands for Investable Market Index. A standard ACWI covers large and mid caps; the IMI version adds small caps on top, extending coverage to roughly 99% of global investable market capitalisation. That is why the SPDR fund holds 4,500-plus positions, several thousand more than large-and-mid-cap-only global ETFs like VWCE. **What is the difference between SPYI and SPSA?** Both track the identical MSCI ACWI IMI index. SPYI is the accumulating share class: dividends are reinvested inside the fund and no cash is paid out, which is often more tax-efficient for long-term holders in many European countries. SPSA is the distributing class and pays dividends to your account. The underlying holdings are essentially the same. **Why does an all-country ETF still have around 60% in the US?** The fund weights every company by market capitalisation, so countries with the largest stock markets automatically receive the largest slices. Because US-listed companies have grown to dominate global market cap, around 60-63% of the fund ends up in the US. This reflects where global equity value is concentrated, not an active choice by the fund manager. **Do the small caps in ACWI IMI meaningfully change the fund's behaviour?** Small caps add breadth — thousands of additional companies — but not much weight. Because the fund is market-cap weighted, the small-cap tier collectively accounts for only a single-digit percentage of total assets. The practical effect is greater diversification at the bottom end of the size scale, while the mega-cap tech names at the top still drive most of the day-to-day performance. ## Parqet on Your iPhone Lock Screen: Portfolio, Fear & Greed, and VIX in One Glance > If you track your portfolio with parqet.com, the question is whether you can pin your gain/loss to the iPhone Lock Screen — alongside a market sentiment read. PulseFolio's new iOS Lock Screen widgets do exactly that, including a combined Market Pulse widget. URL: https://jeannot-muller.com/blog/parqet-lock-screen-widget-iphone/ Published: 2026-05-21 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) If you use [parqet.com](https://parqet.com/) to track your portfolio and you own an iPhone, sooner or later you ask the same question Apple Watch users ask: *can I pin my gain/loss somewhere I will actually see it, without unlocking my phone?* On iOS the answer is the **Lock Screen widget** — those tiny status fields above and around the clock that appeared with iOS 16. There is no first-party Parqet widget. PulseFolio's update today adds them. (If you prefer a wrist glance instead, see [Parqet on Your Apple Watch](https://jeannot-muller.com/blog/parqet-apple-watch-portfolio-complications/).) This post is for the Parqet user who would type *parqet sperrbildschirm widget* or *portfolio lock screen widget iphone* into Google, not someone who already knows the app. Here is exactly what landed. ### What you can put on the Lock Screen now Six new widgets, all sized for the small accessory slots on the iPhone Lock Screen: - **Portfolio Performance (Circular)** — a magnitude-aware gauge with your return percentage in the ring and a delta label inside. Small gains show small arcs instead of always being pegged to full. - **Portfolio Performance (Inline)** — a single line of text in the slot above the clock: portfolio name, return percentage, trend arrow. - **Market Sentiment (Circular)** — the Fear & Greed Index as a 0 → 100 gauge, or the current VIX level. Your pick. - **Market Sentiment (Inline)** — same data, inline-style. - **Market Pulse (Rectangular)** — the headline of this release. One Lock Screen tile that bundles **portfolio return, Fear & Greed, and VIX side by side**. It is the widget for people who want one glance to cover "how am I doing" and "what is the market doing" without burning two separate slots. - **Market Pulse (Inline)** — the same combined story compressed into the inline row above the clock. The Portfolio widgets show whichever period and return metric (TTWROR or XIRR/IZF) you have set in the iPhone app, so the number you see on the Lock Screen matches the number you see when you open PulseFolio. ### Why the circular gauge looks a bit different If you have used other portfolio widgets, you may have seen Lock Screen circles that look identical whether your portfolio is up 0.4 % or up 18 %. PulseFolio's Circular gauge is **magnitude-aware**: a small move shows a small arc. It is a small thing on paper and a much more honest signal in practice — you can feel the difference between a quiet day and a serious move without reading the label. The label itself scales to fit, which matters more in German than it sounds. "9,66 %" is wider than "9.66%", and on a comma-decimal locale the old approach would push the text out of the ring and left-align it. The label now stays centered inside the gauge in every language. ### The "needs updating" bug — gone iOS 17 introduced a quirk: any Lock Screen widget that does not explicitly declare a clear container background falls back to the dreaded **"needs updating" octagon**. PulseFolio's new Lock Screen views declare it explicitly, so the widgets render correctly on the first install and stay rendered. If you tried earlier widget-style trackers on iOS 17 or 18 and got that broken-tile look, that is what was happening, and that is what is fixed. ### Privacy: no password, no account, no middleman The widget pipeline does not change anything about how PulseFolio talks to Parqet. The app uses the **OAuth 2.0 with PKCE** flow that Parqet itself provides — PulseFolio never sees your Parqet password. Your access token lives in the iCloud Keychain on your devices. There is no PulseFolio server, no separate account to create. If you want a copy of your data that works entirely offline, [analyzing your Parqet portfolio offline](https://jeannot-muller.com/blog/analyze-parqet-portfolio-offline/) and [backing up your Parqet portfolio](https://jeannot-muller.com/blog/backup-parqet-portfolio/) cover those workflows independently of any app. ### Languages The new Lock Screen widgets are fully localized: English, German, French, Italian, Spanish, Portuguese (Brazilian), Danish, and Polish. German uses the informal *du* form throughout. The widget follows your iPhone's language setting. If you track ETF data separately, the [EquityLens lock screen widget update](https://jeannot-muller.com/blog/equitylens-update-lock-screen-widget-etf-data/) shows how similar accessory-slot widgets work for fund-level data — useful context if you run both apps side by side. ### The Smart Stack angle Lock Screen widgets and Home Screen widgets share the same widget extension, so the same timeline that drives your Lock Screen also feeds the iOS Smart Stack. During market hours, PulseFolio's relevance score rises and your portfolio surfaces in the stack with a swipe. ### How to add one 1. Update to the latest PulseFolio from the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870). 2. Open the app and connect Parqet if you have not already (a single OAuth tap — you sign in to Parqet, you are back in PulseFolio). 3. On your iPhone, long-press the Lock Screen and tap *Customize* → *Lock Screen*. 4. Tap a widget slot above or below the clock and pick **PulseFolio** from the list. 5. Choose Portfolio Performance, Market Sentiment, or Market Pulse depending on which slot it is going into. 6. Done. The widget is on your Lock Screen and refreshes itself on its own schedule. The whole setup, from App Store update to first widget on the Lock Screen, is usually under a minute. PulseFolio is available on the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870) for iPhone and Apple Watch. ## Parqet on Your Apple Watch: Portfolio Complications, Both Metrics, No Phone Tap > If you track your portfolio with parqet.com and own an Apple Watch, the obvious question is whether you can see your gain/loss right on the watch face. PulseFolio is built around exactly that — watch complications, swipeable time tabs, and both TTWROR and IZF/XIRR directly on the wrist. URL: https://jeannot-muller.com/blog/parqet-apple-watch-portfolio-complications/ Published: 2026-05-04 · Updated: 2026-07-01 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) If you use [parqet.com](https://parqet.com/) to track your portfolio and you own an Apple Watch, sooner or later you ask the obvious question: *can I just see my portfolio's gain/loss on the watch face?* There is no first-party Parqet app for the Apple Watch, so by default the answer is no. PulseFolio is the answer for "yes" — it is built around exactly that workflow. This post is for the Parqet user who would never search "PulseFolio" — because that's a brand they have not heard of yet — but who would type *parqet apple watch* or *depot komplikation apple watch* into Google. So let's spell out what is actually on offer. ### What "Parqet on the watch face" really means A complication is one of those small status fields you can add to most Apple Watch faces — corner, circular, rectangular, or inline. PulseFolio puts your Parqet portfolio's headline number into one. You long-press your watch face, edit a complication slot, and pick PulseFolio. From that moment on, your watch face quietly shows: - gain or loss for your selected period - return percentage (TTWROR or IZF/XIRR — your pick) - a trend indicator - on the Rectangular style, a small **sparkline** so you see the shape, not just the number - on the Circular gauge, a **magnitude-aware arc** — small gains show small arcs instead of always being pegged to full A tap on the complication opens its own portfolio in the app. No fishing for your phone, no opening Parqet, no unlocking — that is the whole point. ### A different portfolio per complication This is the bit that most people only realise after they have set it up: each complication can show a *different* Parqet portfolio. Long-press the face, edit slot one to your savings plan, slot two to your long-term ETF basket, slot three to your high-conviction picks. Tapping each complication opens that portfolio in the app. Multiple portfolios on a single watch face, no manual switching. ### TTWROR and IZF/XIRR — both, side by side Parqet shows two return metrics that work very differently. **TTWROR** strips out the timing of your deposits and tells you how the strategy performed. **IZF / XIRR** (the same thing, different name in German vs English) tells you how *your money* performed including when you put it in. Most apps make you pick one. PulseFolio shows the headline in whichever metric you have selected — and the other one alongside it, smaller, so you never have to choose blind. You can switch which is the headline directly on the watch. ### Swipe between time periods like real tabs 1D, 1W, MTD, YTD as full swipeable tabs — with haptic feedback, no flicker. From the watch's full picker you can also reach 3M, 6M, 1Y, 3Y, 5Y, 10Y, and Max. None of that requires reaching for your iPhone. A 7-day delta on the main view stays visible regardless of which period you are on, so today's move never disappears just because you are looking at YTD. For the periods that matter most, the **Stats view** under the picker shows period high, period low, drawdown from the high, total range, and a full breakdown of returns — context the headline number alone cannot give you. ### Smart Stack and auto-refresh During market hours, PulseFolio's relevance score rises and your portfolio surfaces in the Apple Watch Smart Stack — the auto-rotating widget that appears with a turn of the wrist. Complications themselves auto-refresh at sensible intervals during market hours; you can also pull-to-refresh inside the app at any time. An "updated X minutes ago" timestamp keeps you honest about how fresh the number is. ### What about Apple Watch battery life? The fair worry with any complication that keeps itself current is what it does to your battery. PulseFolio is deliberately frugal here: complication updates and iPhone-to-Watch syncing are batched intelligently, so the Watch wakes up once to apply a bundle of changes instead of being poked for every small update. In practice that means market-hours freshness without the battery tax — a PulseFolio complication should never be the reason your Watch doesn't make it through the day. ### Privacy: no password, no account, no middleman PulseFolio talks to Parqet's API directly through the **OAuth 2.0 + PKCE** flow that Parqet itself supplies. The app never sees your Parqet password. Your access token lives in the iCloud Keychain on your devices. There is no PulseFolio server in the middle, and there is no separate PulseFolio account to create. ### The iPhone companion app The iOS app handles setup and the deeper views: connect Parqet, pick a portfolio, choose the metric, the period, and the trend color palette (Classic, Color-Blind Friendly, or Monochrome). A Watch sync status row tells you whether the watch is reachable and when it last updated. A setup checklist walks you through pairing, installing the Watch app, and adding a complication. **Top Holdings** with sortable columns and an infinite-scroll **Recent Activity** feed give you the deeper dive that a 41 mm screen cannot. Settings sync live — change something on iPhone, the Watch picks it up immediately, no relaunch. If you want to try it before you connect Parqet, **Preview Demo Data** loads a fake portfolio so you can play with complications, time tabs, Stats, and the trend palette without signing out of anything. ### Languages PulseFolio is fully localized in English, German, French, Italian, Spanish, Portuguese, Danish, and Polish — Watch app, iPhone app, complications, and VoiceOver labels. Pick whatever your iPhone is set to. ### The practical setup 1. Install PulseFolio from the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870) on your iPhone — it installs the Watch app for you. 2. Tap *Sign in with Parqet*. The OAuth flow opens, you sign in to Parqet, and you are back in the app a moment later. 3. Pick the portfolio (or portfolios) you want, and the trend color palette. 4. On the watch, long-press your face, edit a complication slot, and choose PulseFolio. 5. Done. Glance at your wrist for the headline number, swipe inside the app for periods, tap *Stats* for the breakdown. That is the whole loop. From the moment you tap *Sign in with Parqet* to the first complication on your watch face is usually under two minutes. PulseFolio is available on the [App Store](https://apps.apple.com/us/app/pulsefolio/id6761748870) for iPhone and Apple Watch. If you want more ways to keep your Parqet data close, [Parqet on Your iPhone Lock Screen](https://jeannot-muller.com/blog/parqet-lock-screen-widget-iphone/) covers the iOS lock screen widget, [Analyze Your Parqet Portfolio Offline with X-Ray Data](https://jeannot-muller.com/blog/analyze-parqet-portfolio-offline/) walks through working with your portfolio data without an internet connection, and [How to back up your Parqet portfolio](https://jeannot-muller.com/blog/backup-parqet-portfolio/) shows how to keep a local copy of everything you track. ## Parqet X-Ray CSV: What to Do With It (Pecuniator 6.0.0) > Parqet lets you export your X-Ray portfolio as CSV — but what do you do with the file? Pecuniator 6.0.0 turns it into a country-by-country, bond/stock breakdown, fully offline, with Excel export. URL: https://jeannot-muller.com/blog/pecuniator-6-parqet-x-ray-offline/ Published: 2026-04-20 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) Pecuniator 6.0.0 shipped on 19 April 2026 — and if you are one of the many parqet.com users who has ever exported your X-Ray data as CSV and then wondered *what am I actually supposed to do with this file?*, this release is the answer. It is a full macOS 26 modernization of the offline X-Ray analyzer, and it is built around a single, specific workflow: take the CSV parqet gives you, turn it into a real portfolio breakdown, keep everything on your own machine. This post is for the parqet users who never find tools like this through a search engine because the vocabulary does not line up. You search for *parqet X-Ray CSV auswerten* or *parqet Länderaufschlüsselung offline* and find very little. So let's spell it out. ### What parqet's X-Ray export actually gives you Parqet's X-Ray view is one of its best features. It looks through your funds and ETFs to show the underlying positions, so what appears as "one world ETF" is broken down into the hundreds of individual stocks inside it. The export button on that view produces a CSV file — usually with a semicolon separator, a header row, and columns for the position ID (the ISIN), the holding name, the share count, and the current value. So far, so good. The CSV is complete and structured. What it does *not* contain, by design, is: - whether each position is a **bond** or a **stock** or something else - the **country of registration** in a form you can filter on - any enrichment like **logos** or **additional identifiers** - any way to **filter, pivot, or search** — it is a flat file You can of course open it in Excel and build all of that yourself — and if you are on a Mac, [converting the CSV to Excel](https://jeannot-muller.com/blog/convert-csv-to-excel-mac/) takes only a few steps. A lot of parqet users do. But every time you export a fresh snapshot, you redo the work. This is the gap Pecuniator 6.0.0 fills. ### What 6.0.0 does the moment you drop the CSV on the app There are four things that happen automatically, without any setup, without any API key, and without any network call: #### 1. Every ISIN is classified as bond, stock, or other Pecuniator ships with a built-in reference database of **over 804,000 EU-listed instruments**, sourced from ESMA FIRDS and cross-referenced with GLEIF issuer data. When you import the CSV, each ISIN is looked up locally and the Type column is populated automatically. This is the single column parqet's X-Ray CSV does not give you, and it is the one most people actually want. If the database gets a classification wrong, you click the Type cell, pick the right value, and the correction is remembered. In 6.0.0 those manual corrections now **round-trip through the pecuniator file format** — so when you re-import next month's parqet export, your edits survive. #### 2. The three-way filter parqet X-Ray does not have Once the Type column is populated, the toolbar, menu bar, and sidebar all expose the same three-way switch: **All / Bonds only / Stocks only**. This is the view parqet's own X-Ray does not offer, and it is surprisingly useful — especially for tax-year bond-coupon review, or for anyone running a core-satellite strategy and wanting to see only the satellite sleeve. #### 3. Country and region visualization from the ISIN prefix Every ISIN's first two characters are a country code. Pecuniator decodes all of them and builds a sidebar tree: region → subregion → country → positions. Click any level and the main view filters to just that slice. You immediately see things parqet's aggregate breakdown does not surface in the same way — for example, how much of your "Irish exposure" is actually Irish-domiciled ETFs invested globally (ISINs starting with IE), versus truly Irish operating companies. In 6.0.0 the sidebar has a dedicated **country search field** separate from the global ⌘F: type *spain* or *ES* and the tree filters live. Collapse-All and Expand-All controls sit in the sidebar footer so you can reset the view in one click. #### 4. Nothing leaves your machine Core analysis — import, ISIN decoding, bond/stock classification, country rollup, filtering, sorting, Excel export — never touches the network. Your portfolio composition, including exact values, stays on your computer. This is a deliberate architecture choice, not an afterthought: Pecuniator does not ask you to create an account, does not phone home, and ships the 804k-row reference database inside the app bundle for exactly this reason. ### Optional layers if you want them For people who want more, there are two opt-in modules: - **OpenFIGI enrichment** — bring your own free API key and Pecuniator will look up instruments from markets outside the ESMA corpus (Korean, Taiwanese, Indian, US listings). Off by default. - **Company logos via elbstream.com** — small, tasteful icons next to each position, cached locally, with smart content-hash placeholder detection so generic "unknown ISIN" icons never land in your cache. 6.0.0 adds automatic re-check of previously missing logos on every import, so newly added ones appear on their own. Off by default, enabled in Settings → Logos, with attribution wherever the logos are shown. Both modules are strictly opt-in, both are gated behind a clear toggle, and both can be turned off at any time without losing your portfolio data. ### Excel export — the boring feature everyone needs When you are done analyzing, one click exports the **current view — filters and all — to XLSX**. That is usually the format your accountant, your financial advisor, or your tax software expects. You get a clean spreadsheet with country codes already resolved and Type already classified, instead of the flat CSV parqet hands you. Before you run that export it also makes sense to [back up your parqet portfolio](https://jeannot-muller.com/blog/backup-parqet-portfolio/) so your snapshot and the underlying data stay in sync. ### What else is new in 6.0.0 on the surface If you already used Pecuniator before 6.0.0, the visible changes you will notice first are: - A native **macOS 26 Liquid Glass** visual refresh — gradients and layered materials replaced with the real system glass effect, so cards in the import overlay, form panes, and the rewritten About view pick up proper edge lensing. - A rewritten **About view** with app icon, version, tagline, and five icon-led sections (acknowledgments, disclaimer, data sources, affiliation, developer). - **Dark mode** now carries through every auxiliary window — Settings, About, Help — and through the macOS file open/save panels, so there are no more light sheets flashing in a dark UI. - A **rewritten Help view** that actually reflects the 6.0.0 surface area. - **Retired-ISO-code flag fallback** so the few older country codes (Netherlands Antilles, Yugoslavia, Soviet Union, Zaire, East Timor, Burma) now show a sensible flag instead of a dotted-letter box. ### A note on Windows Pecuniator is fully available on both the Microsoft Store and the Mac App Store, and the complete workflow described above — import, ISIN classification, the bond/stock filter, the country and region rollup, and Excel export — works the same on Windows as on macOS. The main platform-specific difference is look and feel: the macOS 26 Liquid Glass refresh is an Apple technology, so the Windows build keeps its own native styling. Functionally, you get the same offline X-Ray analysis on either platform. ### The practical workflow 1. In parqet, open your portfolio's X-Ray view and export the CSV. 2. Drag the CSV file onto Pecuniator (or use ⌘O). 3. Review the Type column, the country/region sidebar, and filter to All / Bonds / Stocks as needed. Correct anything the database got wrong — it will remember. 4. Hit Export to get an XLSX with everything resolved, ready for Excel, Numbers, or your advisor. That is the whole loop. It takes about fifteen seconds after the first time you set it up, and it gives you a view of your parqet portfolio that the X-Ray view itself does not provide. For a deeper dive into what you can do with your portfolio data once it is offline, see [how to analyze your Parqet portfolio offline with X-Ray data](https://jeannot-muller.com/blog/analyze-parqet-portfolio-offline/). And if you check your positions on the go, the [Parqet Apple Watch complications](https://jeannot-muller.com/blog/parqet-apple-watch-portfolio-complications/) are a good complement to the desktop workflow described here. Pecuniator 6.0.0 is available today on the [Mac App Store](https://apps.apple.com/us/app/pecuniator/id6497061581) and the [Microsoft Store](https://apps.microsoft.com/detail/9n6410dxhd97). ### FAQ **What can I do with the Parqet X-Ray CSV export?** Drop the CSV onto Pecuniator and it automatically classifies every position as a bond, stock, or other asset, resolves each ISIN to a country, and builds a filterable country/region tree. You get the breakdown parqet's own X-Ray view does not provide, without rebuilding a spreadsheet every time you export a fresh snapshot. **How does Pecuniator classify bonds and stocks from an ISIN?** It ships with a built-in reference database of over 804,000 EU-listed instruments sourced from ESMA FIRDS and cross-referenced with GLEIF issuer data. Each ISIN is looked up locally on import. If the database gets a classification wrong, you click the Type cell, pick the correct value, and Pecuniator remembers the correction for future imports. **Does Pecuniator need an account or internet connection to analyse a Parqet CSV?** No. The core workflow — import, ISIN decoding, bond/stock classification, country rollup, filtering, sorting, and Excel export — never touches the network. Pecuniator does not ask you to create an account and ships the reference database inside the app bundle so everything runs fully offline. **Can I export my Parqet X-Ray analysis to Excel?** Yes. One click exports the current view, including any active filters, to an XLSX file. The exported spreadsheet already has country codes resolved and each position classified by type, so you hand your accountant, financial adviser, or tax software a clean file rather than the flat CSV parqet provides. ## How to Warm Your Website Cache on Mac — Measure Cold vs. Cached Response Times > A practical guide to cache warming on macOS — why it matters, how to measure cold vs. cached response times, and how to verify your CDN, Varnish, or WordPress cache is actually working. URL: https://jeannot-muller.com/blog/warm-website-cache-macos/ Published: 2026-04-18 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) If you run a website — WordPress, TYPO3, Drupal, Shopify, or any CMS — you have probably noticed that the first visit after a cache flush or deploy feels painfully slow, while every subsequent visit is fast. That is your cache doing its job. The question is: what happens to the visitor who arrives first? In most setups, that visitor pays the full price. They wait for the server to render the page from scratch, hit the database, run every plugin, and only then get a response. The second visitor, now served from cache, gets the fast version. Cache warming closes that gap by pretending to be the first visitor — on every page — so real users do not have to. This post walks through what cache warming actually does, why naive approaches like `wget --recursive` fall short, and how to measure whether your cache is working. We will end with a native macOS tool built specifically for this. ### What Is Cache Warming, Really? A cache warmer is a crawler with a narrow job: visit every URL on your site so that the server caches the rendered response. The next time a real user requests that page, it is served from cache — from Nginx FastCGI, Varnish, LiteSpeed, Redis, a WordPress plugin like WP Rocket or W3 Total Cache, or a CDN edge node like Cloudflare or Fastly. A good cache warmer does three things: 1. **Trigger cache generation** on every page (the cold pass). 2. **Verify** that the cache is actually being populated and served (the warm pass). 3. **Measure** the difference so you know your cache configuration is working. The third point is where most tools fall short. Plenty of scripts can crawl a site. Very few tell you whether the crawl did anything useful. ### When Cache Warming Matters You do not always need to warm your cache. For a small blog with stable traffic and long cache TTLs, the first visitor of the day warms the page naturally. But there are scenarios where warming is not optional: - **After a deploy.** Most cache backends invalidate entries when the application changes. The first post-deploy visit to every page is a cold render. If you have 500 product pages and push twice a day, that is 1,000 slow first-hits a day — many of them from bots, crawlers, or marketing links. - **After a cache flush.** Scheduled cache purges (nightly clears, config reloads, content imports) wipe the entire cache. Without warming, the next hour of traffic is a stampede on your origin. - **With short TTLs.** If your cache expires every 15 minutes, every page is uncached 96 times a day. Warming keeps things consistently hot. - **For SEO and Core Web Vitals.** Googlebot penalizes slow first responses. If Googlebot happens to crawl a cold page, your LCP and TTFB scores suffer — and the bot does not come back five minutes later to see the fast version. - **For ad campaigns and email blasts.** When you send 50,000 newsletter recipients to a landing page simultaneously, you do not want the first 500 visitors to bring the server to its knees before the cache fills. ### Why `wget --mirror` Is Not Enough The classic developer instinct is to reach for `wget` or `curl` in a loop: ```bash wget --recursive --no-directories --delete-after https://example.com ``` This kind of works. It visits the pages, which triggers rendering, which populates the cache. But it gives you zero visibility into what happened. You cannot answer any of the questions that matter: - Did the cache actually kick in? Maybe your `Cache-Control: no-cache` header is silently defeating the whole setup. - Is Cloudflare serving from edge, or passing through to origin every time? The `CF-Cache-Status` header knows, but `wget` does not show it to you. - How much faster is a cached response than a cold one? Is it 80 ms vs. 2,000 ms (great) or 800 ms vs. 900 ms (your cache is doing almost nothing)? - Which pages are missing from the sitemap? Which are returning 404s? Which have cache headers that will never let them cache? `wget` dumps the HTML and moves on. You need to parse logs manually, add `--server-response`, pipe to awk, and by the time you have a useful report you have reinvented half a cache analysis tool. ### What a Good Cache Warmer Measures The real job is not just visiting pages. It is answering these questions after a run: - **Cache hit rate.** Out of N pages, how many were served from cache on the second pass? - **Cold vs. warm response time.** For each URL, what was the first-visit latency versus the second-visit latency? - **Improvement percentage.** On average, how much faster did cached pages respond? - **Cache header inventory.** Which pages send `Cache-Control: public, max-age=...`, which send `no-store`, which return `X-Cache: HIT` or `CF-Cache-Status: DYNAMIC`? This tells you at a glance where your configuration is broken. - **Errors.** Which URLs 404? Which time out? Which return 500s under crawl load? Without these, you are warming blind. You might be running a cron job every hour that generates load on your origin without populating a single cache entry — and you would not know. ### Detecting the Cache Behind the Curtain Modern websites run on a stack of caches. A typical WordPress site on a managed host might have: - **Cloudflare** at the edge (`CF-Cache-Status`, `Age`) - **LiteSpeed or Nginx FastCGI cache** at the web server (`X-LiteSpeed-Cache`, `X-Cache`) - **Varnish** in front of the app (`X-Varnish`, `Age`) - **WP Rocket or W3 Total Cache** inside WordPress (HTML comments, custom headers) - **Object cache** (Redis, Memcached) for DB queries — invisible in HTTP headers When a page is slow, knowing *which* layer missed matters. If Cloudflare is HIT but response time is still 800 ms, your problem is that Cloudflare is serving a stale-but-slow cached response. If Cloudflare is MISS but LiteSpeed is HIT, your edge config is wrong. A cache warmer that inspects response headers gives you a layer-by-layer view. Similarly, knowing the CMS matters. WordPress, TYPO3, Drupal, Shopify, Magento, Ghost, and static site generators each have their own caching conventions. A warmer that detects the CMS can surface relevant defaults and plugin hints — `wp-super-cache` behaves differently from Varnish-backed Drupal, which behaves differently from a statically exported Hugo site. ### Sitemap Discovery — Don't Miss Half Your Pages Link crawling alone misses pages that are not linked from the homepage. Orphaned landing pages, archived blog posts, product variants, paginated archives, tag pages — they are in the sitemap but not in the primary navigation. If you do not crawl the sitemap, those pages stay cold, and those are often the ones getting organic search traffic. A proper warmer fetches `robots.txt`, parses the `Sitemap:` directives, and walks the sitemap tree — including sitemap indexes that reference multiple child sitemaps. Combined with link crawling, this covers both structural pages and long-tail content. ### The Native macOS Way: WebCacheWarmer If you want all of this without assembling it yourself, this is exactly what **WebCacheWarmer** was built to do. It is a native macOS app that performs a two-pass crawl: - **Pass 1 (cold):** visit every discovered URL, trigger cache generation, measure the cold response time. - **Pass 2 (warm):** re-visit each URL, measure the cached response time, compute the improvement. At the end you get a clear report: pages crawled, errors, average cold time, average warm time, improvement percentage, and cache hit rate. You can see exactly which pages are caching and which are not — and the cache-header inspector shows why. A few details that matter in day-to-day use: - **Sitemap discovery** from `robots.txt`, with a built-in viewer and XML export. - **CMS detection** for WordPress, Drupal, Shopify, TYPO3, Magento, Joomla, Wix, Squarespace, Ghost, Hugo, Jekyll, and more. - **Cache header analysis** across `Cache-Control`, `X-Cache`, `CF-Cache-Status`, `Age`, `ETag`, Varnish, and LiteSpeed headers. - **Export to CSV, Excel, or JSON** with the full header detail, so you can track cache health over time or hand a report to a hosting provider. - **Static site downloader** built in, with resume and incremental mode and a local preview — useful for archiving a site before a migration. - **Scheduled re-crawls** at 1, 4, 12, or 24-hour intervals to keep high-traffic pages consistently warm. - **robots.txt compliance** with longest-path-match semantics, so you are not crawling paths you should not. Everything runs locally on your Mac. No data is sent anywhere except the HTTP requests to the site you are warming — which matters when you are crawling staging environments with access-controlled content. ### A Typical Workflow 1. **After deploy**, run WebCacheWarmer against your production URL. Check the cache hit rate on the warm pass — 90%+ is healthy, under 50% means something is misconfigured. 2. **Inspect the cache headers** for any pages that came back cold on the warm pass. Usually one of three things: a missing `Cache-Control` header, a cookie defeating the cache, or a URL parameter the cache is treating as unique. 3. **Export the results** to CSV if you need to share them with an agency, hosting provider, or a colleague who wants the raw numbers. 4. **Schedule a re-crawl** every few hours if your TTLs are short. The warmer will keep hot pages hot without manual intervention. ### The Bottom Line Cache warming is one of those operational practices that pays for itself instantly but rarely gets talked about. If your first-visit response times are slow and your cache hit rate is mediocre, a warming run after every deploy closes the gap — and real users get the fast version that your cache was supposed to deliver in the first place. The measurement part is what makes this worth doing. A cache you have not measured is a cache you are guessing about. WebCacheWarmer gives you the numbers, live, in a native Mac app that respects your time and your data. If you appreciate no-friction Mac utilities that do one thing well, [Convert CSV to Excel on Mac](https://jeannot-muller.com/blog/convert-csv-to-excel-mac/) follows the same philosophy for spreadsheet work. ### FAQ **What is cache warming and why does it matter?** Cache warming means crawling every page on your site before real visitors arrive, so the server can store rendered responses in cache. Without it, the first visitor after a deploy or cache flush triggers a full database render. Cache warming ensures real users always receive the fast, cached version instead of paying the cold-render penalty. **Why should I measure cold versus cached response times?** Measuring both passes tells you whether your cache configuration actually works. If cold time is 2,000 ms and warm time is 80 ms, caching is effective. If the difference is small, something is silently defeating the cache — a missing Cache-Control header, a cookie, or a misconfigured CDN. Without measurement you are guessing about your cache. **How do I warm my site cache on a Mac?** WebCacheWarmer is a native macOS app built for this. It runs a two-pass crawl: the first pass visits every URL discovered via sitemap and link crawling to trigger cache generation; the second pass revisits each URL to measure cached response times. The result is a full report showing cache hit rate, improvement percentage, and per-page header details. **When is cache warming most important?** Cache warming is most critical after a deploy (which invalidates cached pages), after a scheduled cache flush, when cache TTLs are short (pages expire frequently), before a high-traffic event like an email blast, and for SEO — because Googlebot does not revisit a cold page and a slow first response harms your Core Web Vitals scores. ## EquityLens Update: Lock Screen Widget, Fresh ETF Data, and More > EquityLens gets a major update with an iPhone lock screen widget, updated ETF holdings data, ETF part counts per stock, more logos, and smoother performance. URL: https://jeannot-muller.com/blog/equitylens-update-lock-screen-widget-etf-data/ Published: 2026-03-29 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) EquityLens just received its biggest update yet. Whether you check your VWCE or VWRL investment daily or prefer a more passive approach, this release brings meaningful improvements to how you interact with your portfolio data. Here is what changed and why it matters. ### Your ETF Performance on the Lock Screen The headline feature of this update is the new **iPhone lock screen widget**. You can now see your VWCE or VWRL performance without unlocking your phone or opening the app. For passive investors who follow a buy-and-hold strategy, this strikes a useful balance: you stay informed about your investment without the friction of opening a portfolio app. A quick glance at your lock screen tells you where things stand. The widget is lightweight and updates automatically, so it works well alongside your existing lock screen setup — weather, calendar, or whatever else you have there. If you also use Parqet, you might be interested in [how to set up the Parqet iPhone lock screen widget](https://jeannot-muller.com/blog/parqet-lock-screen-widget-iphone/) for a side-by-side comparison of both approaches. ### Updated ETF Holdings Data The ETF data powering EquityLens has been refreshed to reflect the latest Vanguard FTSE All-World index composition. This matters because the index is not static. Companies get added and removed, weightings shift as market capitalizations change, and emerging markets grow or shrink in representation. With this update, the country breakdowns, sector allocations, and individual stock weightings all reflect the most current data available. If you are using EquityLens to understand what you actually own inside your VWCE or VWRL position, you are now looking at an accurate, up-to-date picture. Curious which companies make up VWCE exactly? See the full breakdown in [What Stocks Are in the VWCE ETF?](https://jeannot-muller.com/blog/what-stocks-are-in-vwce-etf/) ### ETF Parts per Stock A new addition to the stock detail view: you can now see **how many ETF parts** (shares within the fund) each stock represents. This gives you a more granular understanding of the fund's construction beyond just percentage weightings. For example, knowing that Apple represents X parts while a smaller holding represents Y parts adds another dimension to understanding how the fund is built. It is particularly useful when comparing similarly weighted stocks — the number of parts can reveal differences in how the fund manager allocates across positions. ### More Stock Logos Browsing through 4,000+ holdings is more pleasant when you can actually recognize the companies visually. This update adds logos for many more stocks in the holdings list. It is a small thing, but it makes scanning through sectors and countries noticeably faster when you can identify companies at a glance rather than reading every ticker symbol. ### Smoother Scrolling Speaking of browsing those 4,000+ stocks — the list view now scrolls significantly smoother. Under the hood, the rendering has been optimized so that scrolling through the full holdings list feels fluid, even on older devices. If you previously noticed any stutter when quickly scrolling through the complete stock list, that should be gone now. ### General UI Polish Beyond the specific features above, this update includes a round of UI refinements across the app. Small alignment fixes, improved visual consistency, and subtle tweaks that make the overall experience feel more polished. Nothing that changes how you use the app, but the kind of attention to detail that adds up over time. ### Get the Update The update is available now on the App Store. If you already have EquityLens installed, simply update to the latest version. If you are new to EquityLens and want to track your VWCE or VWRL investment with real analytics, [download it here](https://apps.apple.com/us/app/equitylens/id6756184524). ## How to Analyze Your Parqet Portfolio Offline with X-Ray Data > Learn how to export your parqet.com X-Ray data and analyze your portfolio offline — with ISIN-based country breakdowns, fast search, and Excel export. URL: https://jeannot-muller.com/blog/analyze-parqet-portfolio-offline/ Published: 2026-03-21 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) Parqet (formerly Tresor One) has become one of the most popular portfolio tracking platforms in the German-speaking investment community. It connects to your broker, imports your transactions, and provides a clean dashboard showing your holdings, performance, dividends, and allocation. One of its most powerful features is X-Ray — a detailed breakdown of your portfolio's composition. But what if you want to work with that data offline? Maybe you need deeper analysis, want to combine it with other data sources, need Excel-compatible output, or simply prefer to keep your portfolio details on your own machine. This guide covers how to export your parqet X-Ray data and analyze it locally. For a focused look at what to do with the CSV file once you have it, see [Parqet X-Ray CSV: What to Do With It](https://jeannot-muller.com/blog/pecuniator-6-parqet-x-ray-offline/). ### What Is Parqet's X-Ray Feature? X-Ray is parqet's portfolio analysis view. It goes beyond the basic holdings list to show you: - **Individual positions** with their current values and weights in your portfolio - **Asset allocation** across different categories - **Geographic distribution** of your investments - **Sector breakdown** showing which industries your money is concentrated in The feature gives you a more granular understanding of your portfolio than a simple holdings list. Instead of just seeing that you own Fund A and Stock B, X-Ray shows you where the underlying money is actually invested. #### Why the X-Ray View Matters Most investors hold multiple funds and ETFs, each containing hundreds or thousands of positions. Your portfolio might look diversified at the fund level — you own a world ETF, a European small caps fund, and a few individual stocks — but the X-Ray reveals the actual underlying exposure. Common discoveries when using X-Ray analysis: - **Hidden concentration**: That world ETF and your individual tech stocks together might mean 30%+ of your portfolio is in just five companies. - **Geographic imbalance**: What looks like broad diversification might be 70% US when you account for the underlying ETF compositions. - **Sector overlap**: Your "different" funds might all be heavily weighted toward the same sectors. ### Exporting X-Ray Data from Parqet Parqet allows you to export your portfolio data as CSV. The export typically includes: - **Position ID** (usually the ISIN) - **Holding name** - **Number of shares** - **Current value** - **Weight in portfolio** - **Additional metadata** depending on the export options selected To export, navigate to the X-Ray section of your portfolio on parqet.com and look for the export or download option. The resulting CSV file contains your portfolio breakdown in a structured format that can be opened in any spreadsheet application or analysis tool. #### A Note on the CSV Format The exported CSV follows a standard structure with columns separated by semicolons (common in European tools) or commas. The first row contains column headers, and each subsequent row represents a position in your portfolio. The ISIN (International Securities Identification Number) in the export is particularly valuable. Unlike a ticker symbol, which varies by exchange and region, the ISIN is a globally unique 12-character identifier. This means the data can be reliably matched against other databases for enrichment — looking up the country of registration, the sector classification, or the current price of each position. ### Why Analyze Offline? There are several legitimate reasons to work with your portfolio data locally rather than exclusively through a web platform: #### Privacy Your portfolio is one of the most sensitive pieces of financial data you have. While parqet is a reputable platform with proper security, some investors prefer to do detailed analysis on their own machine. An offline tool that never transmits your data provides an additional layer of privacy. #### Deeper Analysis Web platforms are optimized for the most common use cases. If you want to do something unusual — custom groupings, specific filtering criteria, combining data from multiple accounts or platforms, or running your own calculations — a local tool gives you more flexibility. #### Excel and Spreadsheet Integration Many investors maintain their own spreadsheets for tax calculations, financial planning, or tracking performance over time. Having your portfolio data in a format that easily exports to Excel means you can integrate it into your existing workflow without manual data entry. #### Offline Access Sometimes you want to review your portfolio on a flight, in a location without reliable internet, or simply without opening a browser. Having the data locally means it is always accessible. ### Working with Portfolio CSV Data Once you have your CSV export, the question is what to do with it. Here are the common approaches: #### Spreadsheet Analysis Open the CSV in Excel, Numbers, or LibreOffice Calc. This gives you full control — you can sort, filter, create pivot tables, and build charts. The downside: setting up the analysis takes time, and you repeat the work every time you export updated data. For basic questions like "what are my top 10 positions by value?" or "how much is in ETFs vs. individual stocks?", a spreadsheet works fine. For more complex analysis — like breaking down country exposure based on ISINs — you need to add lookup data, which significantly increases the effort. If your goal is simply to open the CSV in Excel on a Mac, [Convert CSV to Excel on Mac](https://jeannot-muller.com/blog/convert-csv-to-excel-mac/) walks through the quickest path. #### Programming Approach If you are comfortable with Python or R, you can write scripts to parse the CSV, enrich it with ISIN-based lookups, and generate visualizations. This is powerful but requires programming knowledge and maintenance as formats change. #### Dedicated Analysis Tool This is where Pecuniator comes in. It is a desktop application designed specifically for analyzing portfolio CSV data — not just from parqet, but from any source that provides compatible CSV files. ### What Pecuniator Does with Your Data Pecuniator takes your exported CSV and provides immediate, meaningful analysis without manual setup: #### ISIN-Based Country and Region Visualization The ISIN itself encodes the country of registration in its first two characters (US for United States, DE for Germany, IE for Ireland, etc.). Pecuniator uses this to automatically generate a geographic breakdown of your portfolio. You can see at a glance how your investments are distributed across countries and regions — without needing to manually look up each position. This is more informative than it might seem at first. Many European investors hold Irish-domiciled ETFs (ISIN starting with IE) that actually invest globally. The ISIN-based view shows you where your funds are legally registered, which is relevant for tax purposes and regulatory exposure, complementing the look-through geographic analysis that platforms like parqet provide. #### Fast Search for Large Portfolios If your portfolio contains hundreds of positions — not uncommon when you include individual ETF holdings from an X-Ray export — scrolling through a list is impractical. Pecuniator provides instant search across all fields: name, ISIN, value, or any other column. Type a few characters and the matching positions appear immediately. #### Excel Export One of the most requested features for portfolio analysis tools: the ability to export the analyzed data as a properly formatted Excel file. Pecuniator lets you take your CSV data, enriched with country and region information, and export it as XLSX for further analysis in Excel or for sharing with a financial advisor. #### Works with Any Compatible CSV While the parqet X-Ray export is a common use case, Pecuniator is not limited to parqet data. Any CSV file with portfolio positions — from another tracking tool, a broker export, or even a manually created file — can be loaded and analyzed. The tool adapts to the columns present in your file. ### Desktop-Only by Design Pecuniator is intentionally a desktop application, available for macOS and Windows. This is a deliberate choice for a portfolio analysis tool: your financial data stays on your machine. There is no cloud upload, no account creation, no server that stores your portfolio composition. You open the app, load your CSV, and everything happens locally. For investors who are privacy-conscious — and when it comes to detailed portfolio breakdowns, that should be everyone — this architecture matters. Your complete portfolio composition, including exact share counts and values, never leaves your computer. ### A Practical Workflow Here is how the pieces fit together: 1. **Track your portfolio on parqet** (or any other platform) for day-to-day monitoring, transaction import, and performance tracking. It is also worth keeping a local backup — [how to back up your Parqet portfolio](https://jeannot-muller.com/blog/backup-parqet-portfolio/) explains the options. And if you want a quick glance at your holdings without opening the app, you can add a [Parqet lock screen widget on your iPhone](https://jeannot-muller.com/blog/parqet-lock-screen-widget-iphone/). 2. **Export the X-Ray data as CSV** when you want to do deeper analysis. 3. **Open the CSV in Pecuniator** to get immediate country/region breakdowns, search through positions, and explore the data interactively. 4. **Export to Excel** if you need the data in your spreadsheet workflow, for tax preparation, or for sharing. This is not about replacing parqet — it is about complementing it with offline analysis capabilities that a web platform does not provide. Each tool does what it does best: parqet for live tracking and transaction management, Pecuniator for private, detailed, offline portfolio analysis. ### FAQ **How do I export my Parqet X-Ray data as a CSV file?** In Parqet, navigate to the X-Ray section of your portfolio on parqet.com and use the export or download option there. The resulting CSV file contains your full portfolio breakdown — including position names, ISINs, share counts, current values, and weights — in a structured format that any spreadsheet application or analysis tool can open. **What is an ISIN-based country breakdown?** An ISIN (International Securities Identification Number) is a 12-character identifier where the first two characters encode the country of registration — for example, US for the United States, DE for Germany, IE for Ireland. Tools like Pecuniator read those prefix characters to automatically classify each position by country, giving you a geographic overview of your portfolio without manual lookups. **Why would I want to analyze my portfolio offline instead of using Parqet directly?** There are four main reasons: privacy (your detailed holdings never leave your machine), deeper analysis (custom groupings, filters, or combining data from multiple brokers), Excel integration (exporting enriched data into your existing spreadsheet workflows), and offline access (reviewing your portfolio on a flight or without internet). **Can I export the analyzed portfolio data to Excel?** Yes. Pecuniator lets you take your imported CSV — including the ISIN-based country and region enrichment it adds — and export it as a properly formatted XLSX file. That makes it straightforward to use the data in Excel for tax preparation, financial planning, or sharing a breakdown with a financial adviser. ## How to Convert CSV to Excel on Mac (Without Microsoft Office) > Convert CSV to Excel XLSX on a Mac without Office. Fix wrong delimiters, broken accents and huge files, and compare Numbers, Google Sheets, LibreOffice and a one-click converter. URL: https://jeannot-muller.com/blog/convert-csv-to-excel-mac/ Published: 2026-03-21 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) If you work with data exports — from your bank, an analytics tool, a database, or a CRM — you have almost certainly received a CSV file at some point. And if you are on a Mac without Microsoft Office installed, you have probably run into the frustrating question: how do I turn this into an actual Excel file? This guide walks through the real problems Mac users face with CSV files, the common workarounds and their limitations, and the most efficient way to get a proper XLSX file without installing a full office suite. ### What Is a CSV File, and Why Is It So Tricky on Mac? A CSV (Comma-Separated Values) file is one of the oldest and simplest data exchange formats. Each line represents a row, and values are separated by a delimiter — usually a comma, but sometimes a semicolon, tab, or pipe character. There is no formatting, no formulas, no multiple sheets. It is plain text. That simplicity is both its strength and its weakness. CSV files are universal. Every database, spreadsheet program, and programming language can produce and consume them. But because the format is so bare, opening a CSV file correctly depends entirely on the application doing the opening — and on whether it guesses the right settings. #### The Delimiter Problem When you double-click a CSV file on macOS, it opens in Apple Numbers by default. Numbers tries to detect the delimiter automatically, but it frequently gets it wrong — especially with European-style CSVs that use semicolons instead of commas, or with tab-separated files that have a `.csv` extension. The result: all your data crammed into a single column, or columns split in the wrong places. If your CSV contains fields with commas inside quoted strings, the parsing can go wrong in subtle ways that are not immediately obvious until you notice your row count does not match. #### The Encoding Problem CSV files do not carry encoding information. A file exported from a German banking portal might use ISO-8859-1 encoding with umlauts, while a file from an API might use UTF-8. Open the wrong one with the wrong assumption, and you get garbled characters where your column headers should be. #### The Large File Problem Numbers struggles with large CSV files. If your export contains 100,000 rows or more — common with transaction logs, analytics data, or product catalogs — Numbers will slow to a crawl or refuse to open the file at all. Google Sheets has a hard limit of roughly 10 million cells, which sounds generous until you have a wide file with 50 columns. ### Common Workarounds (and Why They Fall Short) #### Opening in Apple Numbers and Exporting You can open a CSV in Numbers, then use File > Export To > Excel to save it as XLSX. This works for simple files, but Numbers sometimes reinterprets your data. Dates get reformatted. Long numeric strings (like account numbers or ISINs) get converted to scientific notation. And you have no control over the delimiter used during import — Numbers decides for you. #### Using Google Sheets Upload the CSV to Google Drive, open it in Google Sheets, then download as XLSX. This is functional but slow, requires an internet connection, and means your data passes through Google's servers. For financial data or anything sensitive, that is a real concern. Google Sheets also has its own ideas about data types and will silently convert things it thinks are dates or numbers. #### Using LibreOffice LibreOffice Calc handles CSV import well, with a proper delimiter selection dialog. But installing a 400 MB office suite just to convert CSV files is overkill for most users, and the application is not particularly fast on macOS. #### Command-Line Tools If you are comfortable with the terminal, Python with the `openpyxl` library can convert CSV to XLSX in a few lines of code. This is powerful but requires Python knowledge, package management, and writing a script every time. Not practical for most people who just need to send a file to a colleague. ### What a Good CSV-to-Excel Workflow Actually Needs After dealing with enough CSV files, the requirements become clear: - **Delimiter control**: You need to choose (or auto-detect) whether the file uses commas, semicolons, tabs, or something else. - **Encoding handling**: The tool should handle UTF-8, ISO-8859-1, and other common encodings without garbling text. - **Data preservation**: Numbers should stay as numbers, text should stay as text, and nothing should be silently reinterpreted. - **Speed**: Converting a file with 100,000+ rows should take seconds, not minutes. - **No cloud dependency**: Your data stays on your machine. ### The Fast Native Solution: csv2excel for Mac This is exactly what csv2excel was built for. It is a native macOS app — lightweight, fast, and designed to do one thing well: convert CSV files to properly formatted XLSX spreadsheets. #### How It Works Drop your CSV file into csv2excel (or open it via the file menu), and you get a clean conversion with full control over the process: - **Choose your delimiter** — comma, semicolon, tab, pipe, or custom. No more guessing. - **Edit metadata** before conversion — set the worksheet name, author, and title that will appear in the Excel file properties. - **Name your worksheets** — instead of the default "Sheet1," give the worksheet a meaningful name that helps when the file is part of a larger workbook. - **Batch capability** — handle multiple CSV files without repeating the same steps for each one. The conversion is nearly instant, even for large files. Because csv2excel is a native Mac app (not an Electron wrapper or a web tool), it uses system resources efficiently and respects macOS conventions including dark mode support. #### When This Matters Most The typical scenario: you receive a bank statement export as CSV, a client sends you analytics data, or you pull a report from a SaaS tool. You need to send it to someone who expects Excel format, or you need to open it in a tool that only accepts XLSX. You do not want to install Microsoft Office, you do not want to upload sensitive data to a cloud service, and you do not want to spend five minutes fighting with Numbers over delimiter detection. csv2excel sits in your Applications folder and handles exactly this. Open, configure, convert, done. One common real-world case: Parqet's X-Ray feature exports a CSV breakdown of your portfolio's holdings and asset allocation. If you want to slice that data in Excel — pivot tables, custom charts, filtered views — converting that CSV correctly is the first step. See [Parqet X-Ray CSV: What to Do With It](https://jeannot-muller.com/blog/pecuniator-6-parqet-x-ray-offline/) for what you can do once you have the data out. And if you want to go further and [analyze your full Parqet portfolio offline](https://jeannot-muller.com/blog/analyze-parqet-portfolio-offline/), the workflow starts exactly here: a clean CSV export turned into a proper Excel file. ### Tips for Working with CSV Files on Mac Regardless of which tool you use, keep these practices in mind: - **Always check the delimiter first.** Open the CSV in a plain text editor (TextEdit in plain text mode, or a code editor like VS Code) to see what character separates the values. - **Watch for quoted fields.** If your data contains commas within values (like addresses), the values should be wrapped in double quotes. Make sure your conversion tool respects this. - **Preserve leading zeros.** ZIP codes, product codes, and phone numbers often have leading zeros that spreadsheet applications strip away. A good conversion tool will keep text as text. - **Check the row count after conversion.** A quick sanity check: does the XLSX file have the same number of rows as the original CSV? If not, something went wrong during parsing. CSV is not going away anytime soon. It remains the lowest common denominator for data exchange, and knowing how to handle it efficiently on your Mac is a genuinely useful skill — whether you do it once a month or ten times a day. ### FAQ **Can I convert a CSV file to Excel on Mac without Microsoft Office?** Yes. You do not need Microsoft Office to convert CSV to XLSX on Mac. Native options include Apple Numbers (File > Export To > Excel) and LibreOffice Calc. For a faster, dedicated workflow, csv2excel is a lightweight native Mac app that converts CSV files to properly formatted XLSX spreadsheets without requiring any office suite. **Why does my CSV file open with all data in one column on Mac?** This usually means the wrong delimiter was detected. CSV files can use commas, semicolons, tabs, or other separators, and macOS apps often guess incorrectly — especially with European-style files that use semicolons. Open the CSV in a text editor first to check the actual separator, then choose that delimiter explicitly in your conversion tool. **Does converting CSV to Excel on Mac upload my data to the cloud?** It depends on the tool. Google Sheets requires uploading your file to Google's servers, which is a real concern for financial or sensitive data. csv2excel is a fully offline native Mac app — your data never leaves your machine. Apple Numbers and LibreOffice also process files locally without any cloud upload. **How do I prevent garbled characters or broken umlauts when converting CSV to Excel?** Garbled characters are caused by an encoding mismatch. CSV files carry no encoding metadata, so tools must guess. Common encodings are UTF-8 and ISO-8859-1 (frequent in European bank exports). A good conversion tool lets you select the encoding explicitly. csv2excel handles both UTF-8 and ISO-8859-1, ensuring accented characters and umlauts appear correctly in the output XLSX. ## VWCE Holdings: What Stocks Are in the Vanguard FTSE All-World ETF? > VWCE and VWRL hold 3,700+ stocks in 49 countries. See the top 10 holdings, the roughly 60% US weight, the emerging-markets share and the sector breakdown, explained simply. URL: https://jeannot-muller.com/blog/what-stocks-are-in-vwce-etf/ Published: 2026-03-21 Author: Dr. Jeannot Muller (https://jeannot-muller.com/about/) The Vanguard FTSE All-World UCITS ETF is one of the most widely held ETFs among European investors, particularly those who follow a passive, long-term investment strategy. It trades under two tickers: VWCE for the accumulating share class and VWRL for the distributing version. Between them, they hold tens of billions in assets — yet many investors have only a vague idea of what is actually inside. If you own VWCE or are considering buying it, here is a detailed look at what you are actually investing in. ### VWCE vs. VWRL: What Is the Difference? Both share classes track the same index — the FTSE All-World Index — and hold the same stocks. The only difference is what happens with dividends: - **VWCE (Accumulating)**: Dividends are automatically reinvested into the fund. You do not receive cash payouts. This is generally more tax-efficient in many European countries because you avoid the taxable event of receiving a dividend. - **VWRL (Distributing)**: Dividends are paid out to your brokerage account, typically quarterly. Some investors prefer this for the regular cash flow or because their tax situation makes it neutral. For the rest of this article, "VWCE" refers to both share classes, since the underlying portfolio is identical. ### The Top Holdings: What Dominates the Portfolio VWCE holds over 3,700 stocks, but like any market-cap-weighted index fund, the largest companies carry outsized weight. The top 10 holdings typically account for roughly 18-20% of the entire fund. As of recent data, the largest positions include: 1. **Apple** — consistently the largest or second-largest holding 2. **Microsoft** — a dominant position driven by cloud computing and enterprise software 3. **NVIDIA** — risen sharply due to AI and GPU demand 4. **Amazon** — e-commerce and cloud infrastructure (AWS) 5. **Alphabet (Google)** — Class A and Class C shares combined 6. **Meta Platforms** — social media and advertising 7. **Taiwan Semiconductor (TSMC)** — the world's leading chip manufacturer 8. **Broadcom** — semiconductors and infrastructure software 9. **Tesla** — electric vehicles and energy 10. **JPMorgan Chase** — the largest US bank These names shift in ranking as markets move, but the overall picture is clear: US mega-cap technology companies dominate. This is not a deliberate choice by Vanguard — it is a direct reflection of global stock market capitalization. ### Country Allocation: Where Your Money Goes One of the most important things to understand about VWCE is its geographic distribution. Because the fund is market-cap weighted, countries with larger stock markets get a larger share. #### Approximate Country Breakdown - **United States**: ~60-63% - **Japan**: ~6% - **United Kingdom**: ~3.5% - **China**: ~2.5-3% - **France**: ~2.5% - **Canada**: ~2.5% - **Switzerland**: ~2% - **India**: ~2% - **Germany**: ~2% - **Australia**: ~1.5% - **Remaining 39 countries**: ~13% The US dominance is the most discussed aspect of VWCE. With roughly 60% of the fund in American stocks, your "all-world" ETF is really a US-heavy portfolio with international diversification. Whether this concerns you depends on your perspective: **The bull case**: US companies earn revenue globally. Apple sells iPhones in 175 countries. A US-listed company is not the same as a US-only business. **The bear case**: The US stock market has outperformed for over a decade, pushing valuations and index weights higher. If US markets underperform going forward, VWCE will feel it disproportionately. Understanding this concentration is the first step toward making an informed decision about whether VWCE alone is sufficient for your portfolio or whether you want to complement it. If you are curious how the country weights differ in closely related funds, the breakdown for the [SPDR MSCI ACWI IMI ETF](https://jeannot-muller.com/blog/spdr-msci-acwi-imi-etf-holdings/) covers a broader small-cap universe, and the [Amundi Prime All Country World ETF](https://jeannot-muller.com/blog/amundi-prime-all-country-world-etf/) offers a low-cost alternative with a similar geographic profile. ### Sector Distribution: What Industries Are Represented VWCE provides broad sector exposure, but the allocation is not even. Technology has grown to be the largest sector by a significant margin. #### Approximate Sector Breakdown - **Technology**: ~24-26% - **Financials**: ~15-16% - **Healthcare**: ~10-11% - **Consumer Discretionary**: ~10% - **Industrials**: ~10% - **Communication Services**: ~7% - **Consumer Staples**: ~6% - **Energy**: ~4-5% - **Materials**: ~4% - **Utilities**: ~3% - **Real Estate**: ~2% The technology weighting means VWCE is significantly influenced by tech sector performance. During the 2022 tech selloff, VWCE dropped more than a traditional balanced index would suggest, precisely because of this concentration. Financials provide a counterweight — banks and insurance companies tend to perform differently from tech stocks, especially in rising interest rate environments. Healthcare offers defensive characteristics, with companies like Novo Nordisk, Johnson & Johnson, and Roche providing stability during downturns. ### Developed vs. Emerging Markets VWCE includes both developed and emerging markets in a single fund. The split is roughly: - **Developed Markets**: ~88-90% - **Emerging Markets**: ~10-12% Emerging market exposure comes from countries like China, India, Taiwan, Brazil, South Korea, and South Africa. This is lower than some investors expect — if you want more emerging market exposure, you would need to add a dedicated emerging markets ETF. Taiwan's presence is worth noting: Taiwan Semiconductor alone makes TSMC one of the fund's top holdings, meaning a single Taiwanese company has more weight in your portfolio than entire countries like Spain or Sweden. ### Why It Matters to Know What You Own Passive investing does not mean uninformed investing. Understanding the composition of your ETF helps you: - **Assess concentration risk**: If you also own individual US tech stocks, your overall portfolio may be far more concentrated than you realize. - **Make informed rebalancing decisions**: Knowing that VWCE is already 60% US helps you decide whether adding an S&P 500 ETF makes sense (probably not) or whether a European or emerging markets tilt would add diversification. - **Stay the course during volatility**: When tech stocks drop 20% and your "all-world" fund drops 15%, understanding the sector weights explains why — and prevents panic selling. ### Exploring VWCE Holdings in Detail Checking the full holdings list on Vanguard's website gives you a static snapshot — a spreadsheet with thousands of rows that is difficult to navigate meaningfully. EquityLens was built to make this kind of analysis practical. It lets you explore all 3,700+ holdings in VWCE interactively: filter by country, sector, or market cap, see live prices in 10 different currencies, view historical price charts with moving averages, and get a clear picture of exactly what your ETF investment contains. Whether you hold VWCE as the core of your portfolio or are researching it as a potential investment, being able to dig into the actual holdings — not just read a factsheet summary — turns you from a passive holder into an informed one. EquityLens runs natively on iPhone, iPad, Apple Watch, and Mac, so you can check your ETF's composition whenever the question comes up. Knowing what is inside your investments is not about active management. It is about understanding what you own and why it behaves the way it does. ### FAQ **What is the difference between VWCE and VWRL?** VWCE and VWRL track the same index and hold identical stocks. The only difference is dividend treatment: VWCE (accumulating) reinvests dividends automatically, which is often more tax-efficient, while VWRL (distributing) pays dividends out to your account, typically quarterly. **How much of VWCE is invested in US stocks?** Around 60% of VWCE is allocated to US-listed companies. This reflects the size of the American stock market in global market capitalisation. Many of those US companies — like Apple or Amazon — generate significant revenue internationally, so the exposure is not purely domestic. **How many individual stocks does VWCE hold?** VWCE holds over 3,700 stocks across 49 countries. Despite this broad diversification, the fund is market-cap weighted, so the top 10 holdings alone account for roughly 18-20% of the entire portfolio. **Does VWCE include emerging market stocks?** Yes. Around 10-12% of VWCE is allocated to emerging markets, including countries like China, India, Taiwan, Brazil, and South Africa. If you want more emerging market exposure than this, you would need to add a dedicated emerging markets ETF alongside VWCE.