Those who subscribe to can not only get access to their ratings on stocks and mutual funds but set up online portfolios, as well.

When I first wrote this article, it didn’t integrate with other sites so you needed to enter all of your information manually from your brokerage statements but it has a special feature that none of the others offer called X-Ray. This X-Ray tool lets you enter your mutual funds and it then shows you what your actual portfolio holdings are by breaking down the underlying stocks held within each of those funds.

For example, if you owned $1,000,000 worth of the Vanguard S&P 500 index fund across your 401(k), Roth IRA, SEP-IRA, and brokerage account, as of the first time I wrote this article back in July of 2009, you really owned $33,400 worth of Apple shares, $24,700 worth of Exxon Mobil shares, $18,800 worth of Microsoft shares, $16,400 worth of Johnson & Johnson shares, $14,600 worth of General Electric shares, $14,300 worth of Chevron shares, $14,200 worth of Wells Fargo shares, et cetera. This is because the index doesn’t actually exist, you’re buying individual stocks through a pooled structure.