Am I well diversified?
An allocation question asks how a portfolio is divided — by asset class, sector, region or currency. What counts is the weight of each slice against the total, and the look-through into funds: an ETF is not one holding but hundreds.
Worked through on a sample portfolio. The figures below are that portfolio’s, not yours.
Here are the main diversification facts from your portfolio and what they mean.
| Asset | Weight (%) |
|---|---|
| Stock | 49,09% |
| ETF | 31,21% |
| Crypto | 8,61% |
| Cash | 6,06% |
| Precious metal | 5,03% |
Your top country and sector exposures:
| Category | Top 1 | Top 2 | Top 3 |
|---|---|---|---|
| Country (weight %) | United States — 62,45% | Germany — 8,77% | Crypto — 8,61% |
| Sector (weight %) | Technology — 39,98% | Financial Services — 15,64% | Industrials — 11,74% |
Other headline numbers:
- Portfolio value: 90.983,96 €
- Cash share: 6,06%
- Top holding weight: 18,41%; Top 5 combined: 65,64%
- Coverage for sector and country breakdown: sector 99,95%, country 99,40%
What this means (descriptive only):
- You hold a mix of Stocks, ETFs, Crypto, Cash and Precious metal; Stocks and ETFs together make the largest share.
- Geographically the portfolio is concentrated in the United States (62,45%).
- Technology is the largest single sector exposure (39,98%).
- Crypto is a visible separate bucket at 8,61%.
- Your largest single holding represents 18,41% of the portfolio and the top five holdings make up 65,64%.
If you want a concise numeric measure of concentration, I can show the holdings that contribute most to portfolio volatility or a table of top company exposures next.
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Related questions
See this for your own portfolio
The assistant answers the same question about your own holdings, with your figures and today’s prices. Import from your broker, or open the demo portfolio and ask it there.