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Ticker formats: ASX CBA.AX · US AAPL · Crypto BTC-USD · London SHEL.L

Concentration Thresholds

Single ETF max % Single stock max % Single sector max % Single region max %

Add your holdings and click Analyse

Data & methodology notes

Data source: Yahoo Finance via a proxy — may be delayed or incomplete for some tickers.
ETF sectors: sourced from Yahoo's sectorWeightings module, which covers the full fund.
ETF regions: sourced from Yahoo's country data where available. When unavailable, estimated from the top-10 holding ticker suffixes only (.AX = Australia, no suffix = United States, .L = UK, etc.). Weight outside the top 10 appears as Unclassified.
Stock concentration: ETF look-through covers top-10 holdings only. Sub-holdings below that threshold are excluded from concentration flags.
Mixed $ / % inputs are normalised proportionally — see the "Weights normalised" note if shown.

Holdings Allocation

Each bar shows one holding's portfolio weight, stacked cumulatively. Colours use the same concentration thresholds as the flags above.

Asset Class

Sector

ETF sectors from Yahoo Finance sectorWeightings (full fund). Equities use their reported sector.

Region

ETF regions from Yahoo country data where available, otherwise estimated from top-10 ticker suffixes. Unclassified = weight outside top 10.

Holdings Breakdown

Ticker	Name	Type	Weight %	Sector	Region / Country

About this tool

Portfolio Health Check analyses your investment holdings for concentration risk across sectors, regions, and individual stocks. Enter your holdings manually or import from Excel, and the tool flags anything above your chosen thresholds with red/amber/green indicators.

Built for Australian investors holding a mix of ETFs, shares, and other assets who want a quick sanity-check on diversification before or after rebalancing.

After analysis you get a Portfolio Health Score (0–100) summarising diversification quality at a glance, interactive charts you can click to see exactly which holdings drive each exposure, and an ETF Overlap card that surfaces hidden duplication between funds.

Frequently asked questions

What is concentration risk?

Concentration risk is the danger of having too much of your portfolio in a single stock, sector, or region. If that holding falls sharply, a concentrated portfolio suffers far more than a diversified one. Most portfolio construction guidelines suggest no single stock should exceed 5–10% and no single sector more than 20–30% of your total holdings.

How is the Portfolio Health Score calculated?

The score runs from 0 to 100 and is split across four dimensions — Holdings, Sector, Regions, and ETFs — each worth up to 25 points. Within each dimension, every red flag (at or above your threshold) deducts 10 points and every amber flag (within 2% of the threshold) deducts 5 points, floored at zero. A dimension with no holdings of that type (for example, no ETFs in a stock-only portfolio) scores a neutral 25 rather than being penalised.

As a rough guide: 75–100 is well-diversified, 50–74 warrants a closer look, and below 50 indicates meaningful concentration that is worth addressing.

What do the red, amber, and green flags mean?

Red means a holding, sector, or region has reached or exceeded your concentration threshold. Amber means it is within 2 percentage points of the threshold — worth watching, especially if you plan to add to that position. Green means the entire dimension is well diversified with nothing approaching the threshold. You can adjust all thresholds under "Concentration Thresholds" before running the analysis.

How does ETF look-through work?

Rather than treating an ETF as a single holding, the tool fetches the ETF's underlying sector and region weightings from Yahoo Finance, then distributes its weight across those categories. This gives a more accurate picture of your real exposure — for example, an ASX 200 ETF brings significant financial sector concentration even though it looks like one line item.

Click any bar in the Sector or Region charts after analysing to see exactly which holdings drive that exposure and how much each contributes.

What is ETF overlap and why does it matter?

When two ETFs both hold the same underlying stocks, adding more of either fund does not improve diversification as much as you might expect. The ETF Overlap card compares the top-10 holdings of every ETF pair in your portfolio and shows the tickers they share. The weights displayed are each holding's share within that ETF, not your whole portfolio. Only ETFs with available top-10 data from Yahoo Finance are compared.

What ticker formats are supported?

The tool accepts any ticker that Yahoo Finance recognises. Common formats: ASX stocks and ETFs use a .AX suffix (e.g. CBA.AX, VAS.AX); US stocks and ETFs have no suffix (e.g. AAPL, VOO); London Stock Exchange uses .L (e.g. SHEL.L); Indian NSE uses .NS.

Cryptocurrencies use the {COIN}-USD format — for example BTC-USD for Bitcoin, ETH-USD for Ethereum, SOL-USD for Solana. Entering just BTC may silently resolve to a different security on Yahoo Finance, so always include the -USD suffix for crypto.

Is cryptocurrency supported?

Yes. Crypto holdings are treated as their own asset class — they appear as Cryptocurrency in the asset class chart, under a Cryptocurrency sector, and in the Global region. They are also subject to stock concentration flags, so a large crypto position will trigger a red flag if it exceeds your single-holding threshold.

Use Yahoo Finance's {COIN}-USD ticker format: BTC-USD, ETH-USD, SOL-USD, etc.

Can I import my portfolio from my broker?

Yes — download the Excel template, fill in your tickers and values (or percentages), and upload it. The template matches the column order expected by the importer. Most brokers let you export a holdings CSV which you can paste into the template.

Is my portfolio data stored anywhere?

No. All analysis runs entirely in your browser. Your holdings are never sent to a server — only the ticker symbols are looked up via Yahoo Finance to fetch sector and region data. Nothing is stored or logged.