What is portfolio attribution analysis?

Portfolio attribution decomposes your investment returns into allocation, selection, and interaction effects — showing why your portfolio performed the way it did, not just what the return was.

What is the Brinson-Fachler model?

The Brinson-Fachler model is the industry-standard framework for performance attribution, used by institutional asset managers since 1985 to separate returns into allocation and selection effects relative to a benchmark.

Which brokerages does Attrio support?

Attrio currently supports CSV exports from E*TRADE, Fidelity, Robinhood, Schwab, and Vanguard. More brokerages coming soon.

Terms of Service

Last updated: March 29, 2026

Nature of Service

Attrio is a portfolio analytics and performance attribution reporting tool. The Service analyzes holdings data that you upload and generates reports describing portfolio composition, sector allocation, and performance attribution. The Service does not provide investment advice, tax advice, financial planning, or personalized recommendations of any kind.

No Investment Advice

Nothing contained in the Service, including but not limited to reports, analytics, AI-generated narratives, charts, data visualizations, or any other output, constitutes (a) investment advice, (b) a recommendation or solicitation to buy, sell, or hold any security, (c) an offer to provide investment advisory services, or (d) personalized financial guidance. All report content is analytical and descriptive in nature. Any investment decisions you make are your sole responsibility.

AI-Generated Content

Certain report narratives are generated using artificial intelligence. These AI-generated narratives describe portfolio analytics and performance attribution results. They are not investment recommendations. AI-generated content may contain errors or inaccuracies. You should independently verify any data or analysis before relying on it.

No Fiduciary Relationship

Your use of Attrio does not create a fiduciary relationship, advisory relationship, or any professional relationship between you and Attrio or its founders, employees, or affiliates. Attrio's founders may be employed in the financial services industry in capacities unrelated to Attrio. Attrio operates independently of any such employment.

Past Performance

Past performance data shown in reports is not indicative of future results. Portfolio attribution analysis describes historical performance — it does not predict future performance.

User Responsibility

You are solely responsible for your investment decisions. Before making any investment decision, you should consult with a qualified financial advisor, tax advisor, or other professional as appropriate to your situation.

Data & Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your data including uploaded portfolio holdings.

Limitation of Liability

Attrio is provided "as is" without warranty of any kind. To the fullest extent permitted by law, Attrio and its founders, employees, and affiliates shall not be liable for any damages arising from your use of the Service, including but not limited to investment losses, data inaccuracies, or reliance on report content.

Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after changes constitutes acceptance of the updated Terms. We will notify registered users of material changes via email.

Contact

Questions about these Terms? Contact us at support@attrio.io.