Portfolio Diversification Analyzer
Most people can list the asset classes they hold, but few know whether that mix is actually diversified or quietly concentrated in one place. This calculator scores your real allocation across seven asset classes, indian equity, debt, gold, real estate, international equity, REITs, and cash, and flags exactly which positions are running heavy.
What is a Portfolio Diversification Analyzer?
A portfolio diversification analyzer scores how spread out your investments are across asset classes that don’t all move together, combining your entered amounts, expected returns, volatility, and an average correlation assumption into a weighted expected return, a portfolio risk estimate, and a single Diversification Score out of 100.
This Calculator Scores One Portfolio, Not the Family's Combined Position
Entering asset amounts manually here only reflects what you remember to type in, for one portfolio. Most families hold real estate, gold, equity, and debt across multiple members, and a true diversification picture needs to look at the household’s combined position, not one person’s self-reported numbers.
How WealthNest.AI Helps Beyond This Calculator
WealthNest.AI tracks your family’s real asset allocation automatically, equities, mutual funds, gold, real estate, and more, aggregated across every member through the RBI-regulated Account Aggregator framework, so your actual diversification picture reflects real holdings rather than manually entered estimates.
See this alongside every other account your family holds, all in one place. Download the WealthNest.AI app to get started.
Frequently Asked Questions
Balanced is 25% or less of the portfolio in one asset class, Heavy is 25 to 40%, and Concentrated is above 40%. Concentrated positions raise portfolio-specific risk and are worth reviewing.
Portfolio risk isn't just the weighted average of each asset's individual risk. When assets move independently, the combined risk drops. A lower correlation number means a bigger diversification benefit; India's multi-asset portfolios typically sit around 20 to 40%.
A score of 100 means your portfolio is spread perfectly evenly across all your asset classes. A score of 0 means everything sits in a single asset. Higher generally means more balanced.
No. It's a blended average of the expected returns you entered for each asset class, weighted by how much you hold in each. Actual returns will vary from these assumptions.
Yes. Once your accounts are aggregated, WealthNest.AI tracks your actual holdings across asset classes automatically, rather than relying on manually entered amounts.
