Camille Van Vyve
17 Oct 2025
Portfolio audits: when a picture is worth a thousand words
You already invest in diversified funds or portfolios, but wonder about their actual performance? Between hidden fees, complex structures, and disappointing returns, it’s often difficult to assess the true relevance of one’s financial investments. The Easyvest audit provides a comprehensive X-ray of your portfolio, measuring the concrete gap between your current situation and what an index-based management approach could offer.
The Easyvest audit: a complete radiography of your investments
A PDF with four infographics—that’s the promise of the Easyvest portfolio audit, always guided by simplicity and transparency. In this blog, we explain each of these infographics and illustrate them with a real-life case.
Analysis of composition and risk level
The first step of our portfolio audit is a meticulous breakdown of your current investments. This detailed analysis allows us to identify your asset allocation (equities, bonds, cash) and determine the overall risk profile of your portfolio. We then reconstruct an equivalent portfolio according to our passive, ETF-based approach. This method provides a rigorous and objective basis for comparison.
Fee structure: transparency versus complexity
Cost analysis is often the most revealing part of our audit. Most investors are unaware of the exact amount of management fees they are paying—and for good reason: traditional financial institutions often split fees into multiple categories. This opacity makes it nearly impossible to assess the true total cost borne by the investor.
Past performance: the efficiency of index management
The third part of our portfolio audit focuses on historical returns. We retrospectively calculate the return that an Easyvest portfolio with an equivalent risk level would have generated over the same period. This exercise allows us to quantify precisely the performance gap between your current situation and our passive investment approach.
Case study: auditing a traditional portfolio
Portfolio overview
To illustrate our process, let’s examine the real case of an investor holding a diversified portfolio at a traditional private bank. This 100.000€ investment shows a dynamic allocation with 80% equities and 20% bonds.
The composition analysis reveals decent geographical diversification but significant exposure to actively managed funds with high fees. The risk profile corresponds to that of a dynamic investor seeking long-term growth while accepting around 24% volatility. We compare it to an Easyvest level 8 portfolio.
Comparison results
Our audit highlights several major areas for improvement. In terms of costs, total management fees amount to 1.73% annually compared with 0.77% for an equivalent Easyvest portfolio. This 0.96% difference represents an additional cost of about 1.200€ per year.
In performance terms, a five-year simulation shows an annualized gap of 2.5% in favor of the index-based approach. This advantage mainly results from fee savings and the superior performance of ETFs compared with the active funds in the audited portfolio.
The cumulative impact of these differences over five years represents an estimated opportunity cost of more than 16.000€ for the investor clearly illustrating the crucial importance of strategy choice.
These results are consistent with averages observed across more than 100 audits recently conducted by Easyvest. Aggregated figures show average return gaps around 2% and fee differences often doubling between Easyvest and other managers. The example above is therefore far from unique.
Fast, free, and commitment-free
To request an audit, simply send us the management report of your current portfolio. Our analysts will send you the detailed report described above. The audit is completely free of charge and without any obligation. This reflects our confidence in our value proposition and our commitment to total transparency.
Personalized support from our experts
At the end of the audit, a wealth manager is available to discuss the results with you in detail. This personalized exchange provides professional insights into the identified issues and allows you to ask any remaining questions about index investing or optimizing your strategy.
The audit as a decision-making tool
The Easyvest portfolio audit is a valuable tool for any investor seeking to optimize their investments. This objective comparative analysis highlights the often substantial differences between traditional management and modern index-based investing—without jargon. Want to compare your current investments with a passive approach? Send us your portfolio report and we’ll get back to you within 24 hours with a precise diagnosis—essential to making the right decisions.