Is my portfolio well diversified?
Enter your holdings and their amounts: within seconds you get a diversification score out of 100, the sector that weighs most, and a first verdict. Free, no sign-up and no connection to your bank.
Your holdings
Manual entry only, no connection to your bank or broker. Nothing is stored.
How your score is calculated
The score starts at 100 and deducts points along two simple dimensions, the ones that explain most of a portfolio's concentration risk:
- The number of holdings: a portfolio concentrated in just a few stocks is more fragile.
- Sector concentration: if a single sector dominates, the portfolio follows that sector's fate.
It is a diagnostic, not a recommendation: the tool does not tell you what to buy or sell. It sheds light on your portfolio's structure to help you ask the right questions.
Frequently asked questions
How many holdings does a well-diversified portfolio need?
There is no magic number, but below 8 holdings each position carries significant weight and a single bad surprise hits hard. Our score applies a penalty when the portfolio has fewer than 8 holdings, a stronger one below 5, and stronger still below 3.
What does a good sector allocation look like?
No sector should account for an excessive share of the portfolio. The score flags high concentration above 30% in a single sector, and critical overexposure above 50%.
Is a portfolio invested 100% in a single country risky?
Above all it is poorly diversified geographically: performance then depends on a single market. A broad world ETF (for example a “World” ETF) widens the exposure, and in the UK it can even be held inside a Stocks & Shares ISA.
Does the tool work with US stocks or ETFs?
Yes. The calculation accepts Euronext tickers (“.PA” suffix) as well as US tickers and most ETFs. Sector classification can be limited for some broad ETFs, which will then appear as “Unknown” sector.
To go further (articles in French)
- How many holdings for a well-diversified portfolio?
- A portfolio over-concentrated in one sector: what are the risks?
- The ideal sector allocation of a portfolio
- A portfolio 100% in French stocks: is it risky?
- A single World ETF: enough diversification?
- Diversifying a portfolio with a small amount
- Can you have too many holdings? Over-diversification
- The 11 stock market sectors (GICS) explained
- Analyzing your portfolio allocation
- Diversifying a stock portfolio: the method
Author: David B., founder of Earnnest. Developer and designer of the Earnnest analysis engine (quantitative scoring, ML models trained on 25 years of market data).
Data sources: Market data: Yahoo Finance & Finnhub. Sector classification: GICS standard (via Yahoo Finance).
Disclaimer: This tool provides an educational diagnostic based on the information you enter. It does not constitute personalized investment advice: the result is identical for an identical portfolio composition, whatever your profile. Investing carries a risk of capital loss. Learn more about our AMF regulatory framework.
Last updated: July 15, 2026
