Schwab shows both a personal and a time-weighted return, side by side. The catch is everything around them: migrated cost basis, a silent export cap and a manual outside-accounts view.
The four-step system: consolidate, measure honest returns, check risk, keep the records HMRC expects. Every UK guide linked.
Same system, US brokers: exports, money-weighted returns, concentration, and the records your 1099 won’t keep.
Paste your holdings and weights, get your effective number of holdings and a concentration verdict, in your browser.
Set the Flex Query once, run it every January. Where the cap bites and how to get a clean yearly file.
The export changed in February 2026. Keep legacy and new files apart, and label them by era.
Dividend tax and CGT on the same portfolio, inside and outside the wrapper, at 2026/27 rates.
The flagship template: wrappers kept apart, GBX handled, dividends tracked. Free download.
The free app’s charts, the number they don’t show, and the three ways to actually track a Robinhood portfolio.
The annual return your goal actually requires.
What a crash would cost, and how long to recover.
How concentrated are you, really?
UK 2026/27 rates, by band.
% fee vs flat fee over 20 years.
Eight brokers, every export path and cap, one page.
PDF · free downloadThe ledger HMRC’s matching rules assume you keep.
Google Sheet · free downloadTwenty minutes, four numbers, once a month.
PDF · free downloadEvery guide is fact-checked against the brokers’ own help pages, HMRC and the IRS, and carries a “last verified” date. Editorial standards →
Avex reads the statements you already export, unifies your accounts and shows concentration, returns and what a rebalance would change.
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