The OplynQ blog
Understand your portfolio.
31 August 2026 · 8 min read
Portfolio risk analysis: volatility, VaR, drawdown and correlations for normal humans
Two portfolios up 8% can hide opposite realities. The four risk measures explained in plain language — honest limits included.
31 August 2026 · 7 min read
Effective diversification: why 11 holdings can behave like 3
Eleven holdings, six asset classes — behaving like just 3.1 independent assets. Line counts lie; effective assets tell the truth.
31 August 2026 · 7 min read
“Zero commission”: what your portfolio really pays (TER, FX, spreads)
Commission is only one of three cost layers — often the smallest. TER, FX and spreads: where they hide, and what they compound to over twenty years.
31 August 2026 · 8 min read
We ran a real €84,615 portfolio through 2020 and 2022. Here is what happens.
Volatility is abstract; “−€20,815 in March 2020” is not. Four historical episodes replayed on a real multi-asset portfolio — with the numbers.
31 August 2026 · 7 min read
Dividend tracker: ex-dates, TTM yield — and why “estimated” never means “promised”
A dividend is not free money, and an income calendar is not a contract. The full mechanics — ex-dates, TTM yield, currency traps, honest estimates.
31 August 2026 · 7 min read
How to track your stock portfolio properly (without a spreadsheet)
Checking your broker app is not tracking your portfolio. The five-step method — and why spreadsheets hit a wall.