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Portfolio analyzer

Enter your holdings to see how concentrated your portfolio is, which sectors it leans on and where the diversification gaps are, explained in everyday words.

Use the tool Read the guide first

StockEducation Editorial Team · Updated · 8 min read · How we check our tools

Quick Answer

How do I check whether my portfolio is too concentrated?

A portfolio can own many positions and still depend heavily on one stock, sector or theme. Check concentration by grouping holdings by sector and measuring each position as a share of the total. Then look at how much the largest few positions control together. The free StockEducation AI Portfolio Learning Tracker accepts manual entries or a CSV file and reports position weights, sector exposure, concentration measures and the overall mix. It cannot see your income, taxes, other assets or ability to bear losses. Use the result to decide what deserves a closer review, not as an order to trade.

Reviewed by Associate Professor Charles Lo, CPA, PhD — Academic Reviewer Last reviewed

The tool

Analyze your portfolio

Output AI written, not calculated

Before you start: Weights come from the cost or price you enter, not live quotes, and a blank sector is the AI’s guess.

Try a portfolio
↓ Portfolio Analyzer ↓
Portfolio Analyzer
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Add Your Holdings

Step 1
1 Enter ticker, quantity and cost basis
Fill Ticker, Qty and Cost, then press Enter or click Add Holding.
CSV up to 1 MB. Format: ticker,quantity,cost_basis,current_price,sector, extra columns are ignored.

Free Daily Uses · CSV Import · Educational Portfolio Review

Ready: add holdings or import a CSV.
AI Portfolio Analysis
Source and coverage: only the holdings, CSV and question you supply. OpenAI writes the explanation; no live quotes or fund-holdings feed is retrieved. Missing prices, sectors, arithmetic and claims can be wrong. Verify weights and overlap against your original figures. Full method.

No completed analysis available.

Your portfolio breakdown appears here.

Can I trust this AI analysis?

Use it to organise your thinking, not to make the decision.

StockEducation uses OpenAI and Perplexity across different AI tools. The provider and method depend on the tool; check its page for details. AI is good at structuring information and explaining what a figure means. It can be wrong about facts, out of date, or confidently invent things that are not true.

It knows nothing about your finances, goals or tax position. Everyone who enters the same information gets the same output.

Before you act on anything here, check it against the company's own filings on SEC EDGAR. This is not a recommendation to buy or sell.

DisclaimerTerms of Use

Can I trust this AI analysis?

Use it to organise your thinking, not to make the decision.

StockEducation uses OpenAI and Perplexity across different AI tools. The provider and method depend on the tool; check its page for details. AI is good at structuring information and explaining what a figure means. It can be wrong about facts, out of date, or confidently invent things that are not true.

It knows nothing about your finances, goals or tax position. Everyone who enters the same information gets the same output.

Before you act on anything here, check it against the company’s own filings on SEC EDGAR. This is not a recommendation to buy or sell.

DisclaimerTerms of Use

Educational content only. Not financial, investment, legal or tax advice. This tool is for learning purposes only. Always speak with a licensed professional before making investment decisions.

How to use it (three steps)

Add each holding with its ticker, number of shares and cost per share (price and sector are optional), or import a CSV. Then ask a question and press Analyze portfolio. Not sure where to start? Load an example portfolio.

  1. 1Add each holding or import a CSV, then type a question
  2. 2Press Analyze portfolio and read the concentration and sector notes
  3. 3Check the weights against your own arithmetic

Four checks for any portfolio

Diversification basics

A well built portfolio does not depend on any single company, sector or country to succeed.

  • Largest position: many investors keep any single stock to a small share, often 5% to 10% or less.
  • Sectors: check you are not mostly in one industry, such as technology.
  • Countries and asset types: stocks only, or bonds too? U.S. only, or international?
  • Overlap: funds can hold the same big companies you already own directly.

Keep or share these holdings

The link and the saved copy hold your holdings and question only, on this device or in the address bar. Nothing is sent anywhere until you press Analyze portfolio.

See an example mix

Open the allocation calculator
Quick answer

How do I know if my portfolio is diversified?

Check how much of your money depends on one company, one sector and one country. If one stock is a large share of the total, a single bad result can do real damage. Diversifying across many companies, sectors and asset types, such as stocks and bonds, lowers the chance that one problem sinks your plan, though it cannot remove market risk.1 A single broad index fund already holds hundreds of companies, which is why many beginners start there.

Largest single stockOften under 5% to 10%
SectorsNot mostly one
CountriesU.S. and international
Asset typesStocks, bonds, cash

Checked against Investor.gov · see sources

Key takeaways
  • Weight. Holding value ÷ total value.
  • Single stocks. Often kept under 5% to 10%.
  • Sectors. Not mostly one industry.
  • Countries and assets. International and bonds add variety.
  • Funds. Watch for overlap with stocks you own.
  • Fix. Direct new money to what is underweight.

Measuring concentrationFixing gapsWhat it can get wrongTest yourself

Part 1 of 3 · Measuring concentration

How do I measure concentration risk?

Concentration is how much of your portfolio rides on a few holdings. You can work it out with simple arithmetic.

1

The big tech example, by weight

Example portfolio at cost
HoldingShares × costValueWeight
NVDA30 × $120$3,60025.9%
MSFT10 × $400$4,00028.8%
AAPL20 × $180$3,60025.9%
AMZN15 × $180$2,70019.4%

Weights at cost; the total is $13,900, rounded weights shown. All four are large U.S. technology related companies. Current prices would change the weights.

Each position is about a quarter of the portfolio, and all four are tied to the same industry. A setback for big tech would hit every holding at once.

2

Concentration in funds

Funds can hide concentration too. An S&P 500 fund gives a large weight to its biggest companies, so owning it plus those same stocks directly increases your exposure to them.

The rule

Add up your exposure by company and by sector, including what your funds hold.

Marks Part 1 done

Part 2 of 3 · Fixing gaps

How can I make my portfolio more diversified?

You do not need many holdings to diversify well. You need different ones.

3

Simple ways to fill gaps

  • Add a broad fund, such as a total U.S. market fund, to own every sector.
  • Add international stocks through a fund that holds companies outside the U.S.
  • Add bonds if you want steadier results or need the money within a few years.
  • Direct new money to what is underweight instead of selling, which can avoid taxes.

A three fund portfolio of U.S. stocks, international stocks and bonds is a common, simple way to diversify.

The rule

Different holdings, not more holdings.

Marks Part 2 done

Part 3 of 3 · What it can get wrong

What can the AI portfolio analyzer get wrong?

The analysis uses only what you enter. Missing prices or sectors and arithmetic can be wrong.

4

What are the limits?

  • No live prices or fund holdings. Weights use the prices you enter, or your cost.
  • Check the math. Verify weights against your own figures.
  • Not personal advice. It does not know your goals, timeline or other assets.
  • Daily limits. Free analyses are limited each day.
Your turn

See what a balanced mix looks like. The portfolio allocation calculator shows an example split between stocks, bonds and cash for an age, risk level and goal.

Open the allocation calculator Free, no signup.
The rule

Use the analysis to spot gaps. Use your own figures to confirm them.

Marks Part 3 done

Mistakes to avoid

Three mistakes to avoid, and what to do instead

Counting funds as diversification

Three large cap funds can hold the same ten companies. Check what is inside each fund.

Letting a winner grow unchecked

A stock that triples can quietly become half your portfolio. Decide in advance what your largest position may be.

Owning only your home market

US stocks are a large slice of the world but not all of it. International holdings behave differently, which is the point.

Quick check

Three quick questions and one why

0 of 3 answered

1. Your portfolio is $20,000 and one stock is worth $6,000. What is its weight?

Answer: C, 30%.$6,000 ÷ $20,000 = 30%, a concentrated position.

2. Which addition diversifies a portfolio of four big U.S. tech stocks most?

Answer: B, a broad international stock fund.It adds different companies, sectors and countries.

3. Why can owning an S&P 500 fund and its biggest stocks increase concentration?

Answer: B, the fund already holds a large weight in those stocks.You end up with more exposure to the same companies.
Why: why does diversification work?

Companies and markets do not all fall at the same time or for the same reasons. Spreading money across many of them means one disaster has a limited effect, while you still share in the overall growth of the market.

Common questions

Portfolio Analyzer FAQ

Is the portfolio analyzer free?

Yes, with a daily limit on free analyses.

Can I import my holdings?

Yes. Upload a CSV up to 1 MB with ticker, quantity, cost basis and optional price and sector columns.

Does it see my brokerage account?

No. It uses only the holdings and question you enter.

How many holdings do I need to be diversified?

One broad index fund can be enough. With individual stocks, it takes many across different sectors.

Should I share my analysis?

You can, but review it first and remove anything personal.

Next steps

You can see your portfolio’s gaps. Now learn how to build the right mix.

A free account saves your course progress and opens the $1,000,000 practice simulator, where you can build a diversified portfolio with virtual money before any of your own is at stake.

Create your free account Next lesson: Asset allocation

Free, no card. Lessons and tools stay free to use without an account.

Diversification on one card, and where to go next
  1. Step 1 · DoneHow to check diversification
    See it on one card
    1. Weight. Holding value ÷ total value.
    2. Single stocks. Often kept under 5% to 10%.
    3. Sectors. Not mostly one industry.
    4. Countries and assets. International and bonds add variety.
    5. Funds. Watch for overlap with stocks you own.
    6. Fix. Direct new money to what is underweight.
  2. 2
    Step 2 · NowSee a balanced mix

    An example split for an age, risk level and goal.

    Open the allocation calculator Free, no signup.
  3. 3
    Step 3Follow the learning path
    The learning pathFree

    Learn the rest in the right order

    Lessons, videos, tools and quizzes, ordered so each step builds on the last, from market basics to building a portfolio.

    Start the learning path

Want the full sequence? See the course outline →

Sources and assumptions

  1. Investor.gov (U.S. Securities and Exchange Commission): Asset allocation and diversification. Why diversification and asset mix matter.
  2. Investor.gov: Stocks. The risks of owning individual stocks.

How the tool works: the holdings you add or import and your question are sent to an AI model through StockEducation’s server, which explains weights, sector exposure, concentration and gaps. No live prices or fund holdings are fetched; missing prices, sectors and arithmetic can be wrong. Free analyses are limited each day. The example portfolios use real securities with illustrative quantities and cost assumptions, not live market quotes or actual investor accounts.

Page history. October 22, 2026: page rebuilt around the unchanged live tool. Worked arithmetic uses the stated illustrative assumptions; AI explanations are separate and may vary.

StockEducation provides general education, not personal financial, tax or legal advice. Results are illustrations based on the assumptions you enter, not forecasts or promises of any return. Investing involves risk, including the loss of money you invest.

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