Diversification Checker
Enter what you own and this tool hunts for hidden concentration risk: one holding dominating everything, two funds secretly owning the same stocks, a whole portfolio betting on one sector or one country.
Educational purposes only — not financial or investment advice. This models general diversification concepts from the information you enter. It is not a recommendation to buy, sell, or hold anything. Consider talking with a qualified financial professional before making changes.
Your holdings
Add each fund, stock, or cash position. Your best guess at the category is fine — the flags explain themselves.
Assumptions behind this tool. Categories come from your selections \u2014 the tool cannot see inside your funds. Overlap detection only uses the top-holding names you type. The score is a transparent rule-based sum (single-position size, asset-class mix, U.S. large-cap weight, international share, sector bets, fund overlap, holding count, cash drag, unclassified weight), capped at 100. It is educational modeling, not professional financial or investment advice.
Go Deeper with the Book
Diversification, asset allocation, and rebalancing are explained step by step in Investing Made Simple by Kimani Upshur, M.Ed.