Made for the USA and Worldwide

AI Investment Analyzer

Enter what you hold — stocks, bonds, cash, and other assets — and see your allocation, a diversification score, and plain-language risk notes. Built for the USA and worldwide, for education only.

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AI Investment Analyzer

Your analysis will appear here.
NOT financial advice: Results are estimates and education only. This tool does not recommend buying or selling any security, and it cannot know your goals or risk tolerance. Talk to a licensed financial professional before making investment decisions.

How to use this tool

  1. Enter the current value of each asset class in US dollars — stocks, bonds, cash, and anything else.
  2. Leave a class at zero (or blank) if you hold nothing there.
  3. Click Analyze Portfolio.
  4. Read your allocation percentages first, then the diversification score.
  5. Read the risk notes and ask yourself whether the mix matches your goals and comfort with ups and downs.

Worked example

Worked example: $6,000 in stocks, $3,000 in bonds, $1,000 in cash, $0 other → total $10,000, allocation 60% / 30% / 10% / 0%. The concentration formula gives a diversification score of 72 / 100 (strong), with a note that the money is spread across several classes. No concentration warning appears, because no single class dominates the portfolio.

Frequently Asked Questions

What does the diversification score mean?

It measures how spread out your money is. 100 means perfectly even across all four classes; 0 means everything sits in one class. Most balanced portfolios land between 50 and 85.

Is a higher score always better?

No. A very even spread can still be wrong for you — for example, a young saver might reasonably hold mostly stocks, and a retiree might reasonably hold mostly bonds. The score describes spread, not suitability.

Why is cash-heavy flagged as a risk?

Cash feels safe because its number never falls, but inflation quietly reduces what it buys. A large cash pile can lose purchasing power year after year.

Can I enter real tickers?

No — this tool works with asset-class amounts only, on purpose. It never sees your accounts, and it never recommends a specific stock, fund, or coin.

Is this financial advice?

No. It is an educational estimate. For advice about your situation, talk to a licensed financial professional who knows your goals, debts, and risk tolerance.