Portfolio health check results
4 holdings analyzed
Moderate risk
Based on diversification (93) and sector balance (95). Score reduced by 15 points due to 1 concentration warning.
Diversification
How well spread your holdings are across different positions
Sector balance
Distribution across market sectors (includes ETF look-through)
+7 more
Concentration risk
Composite risk score (55% diversification, 45% sector, plus concentration warnings)
VAS makes up 40% of your portfolio
This health check provides a general assessment based on portfolio allocation weights. Scores do not account for individual stock fundamentals, correlation, or market conditions. This is not financial advice.
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Common questions
How is the risk score calculated?
The risk score combines your diversification score (55% weight) and sector balance score (45% weight). On top of that, each concentration warning reduces the score by 15 points (up to a maximum of 40 points). This means a single warning can move your risk from "Low" to "Moderate", and multiple warnings can push it to "High" or "Very high".
What triggers a concentration warning?
Warnings are triggered when a single holding exceeds 30% of your portfolio, a single sector exceeds 50%, or a high-risk asset class (cryptocurrency or commodities) exceeds 50%. These thresholds flag situations where a downturn in one area could significantly impact your portfolio.
How does ETF look-through work?
When your portfolio includes ETFs, we fetch the underlying holdings and sector weights from the fund. This gives a more accurate picture of your actual sector exposure than treating the ETF as a single holding.
Do I need exact dollar amounts?
No. You only need the approximate percentage weight of each holding. If your weights don't add up to 100%, they will be automatically normalized.
Is my data stored?
No. Your portfolio data is only used to calculate the scores and is not saved anywhere. No account is required.