Is Your Portfolio Too Concentrated?
Most investors are more concentrated than they realize. A diversified ETF portfolio can still have 25%+ in a single sector. A multi-account portfolio can hold the same stock 3 times without knowing it.
Guardfolio aggregates your full exposure across all accounts and calculates real concentration — not just by ticker, but by sector, country, and asset class.
Get My Free Risk Analysis →Concentration Thresholds
Single Stock Concentration
A single stock above 10% means one earnings miss, regulatory change, or CEO scandal can materially damage your entire portfolio.
Sector Concentration
A 40%+ allocation to tech felt great in 2023. It hurt in 2022. Sector concentration creates cyclical vulnerability.
Why Concentration Risk Is Hard to See
The biggest challenge with concentration risk is that it hides across accounts. Your 401k might hold an S&P 500 fund with 30% tech. Your brokerage adds individual Apple and Microsoft shares. Your Roth adds QQQ. Individually each looks fine — combined, your tech exposure could exceed 50% of your total portfolio.
Guardfolio connects all your accounts and computes your true aggregate exposure so you can see concentration that spans across brokerages, retirement accounts, and taxable accounts.
How Guardfolio Alerts You
Instead of logging in to check manually, Guardfolio monitors your concentration daily and sends you an alert when:
- A single stock crosses your threshold (default: 10%)
- A sector allocation drifts above your target
- Hidden overlap across ETFs increases your effective concentration
- Market moves shift your allocation without any action on your part