What Is Portfolio Health Check?
Summary
A portfolio health check analyzes your holdings for diversification, sector exposure, risk concentration, and balance. Upload tickers or a screenshot to receive an overall health grade with category breakdowns. No account linking is required, and the tool is free on Stock Expert AI.
If you prefer one clear verdict instead of scattered data, see the product overview.
Definition
A portfolio health check is an AI-powered diagnostic analysis of your investment holdings that evaluates diversification, sector exposure, risk concentration, and overall portfolio balance to identify potential vulnerabilities and optimization opportunities.
How It Works
Enter your stock tickers manually or upload a screenshot of your portfolio.
AI analyzes each holding's fundamentals, correlations, and risk factors.
An overall health score is generated with breakdowns by diversification, risk, and performance.
Diversification, concentration and sector-exposure findings are explained in plain language — insights to research further, never buy/sell instructions.
Frequently Asked Questions
How do I run a portfolio health check?
Visit the Portfolio Review page on Stock Expert AI, enter your tickers or upload a portfolio screenshot, and the AI will generate a comprehensive diagnostic report.
Is my portfolio data secure?
Yes. Stock Expert AI does not require brokerage account linking. Your entered holdings are analyzed on the spot and are not shared with third parties.
What does the health check score mean?
The health check score grades your portfolio on diversification, risk concentration, sector exposure, and individual holding quality. Higher scores indicate better balance and lower risk concentration.
How often should I check my portfolio health?
We recommend running a health check quarterly or whenever you make significant changes to your holdings.
Does it work with any broker?
Yes. Since you manually input your holdings, the portfolio health check works regardless of which broker you use.
Is the portfolio health check free?
Yes. Stock Expert AI's portfolio health check is free to use with no account linking required.
What does a low health check score mean?
A low score typically indicates issues like excessive concentration in a single stock or sector, high correlation between holdings, or missing asset class diversification. The report provides specific areas to investigate and potential improvements.
Can I run a health check on a paper portfolio?
Yes. Since you manually enter tickers, you can analyze hypothetical portfolios, watchlists, or proposed allocations before committing real money. This is useful for testing portfolio ideas before investing.
Evidence & Sources
- Figures come from Financial Modeling Prep (FMP). If FMP has no figure for a ticker, a price or fundamental may come from a Yahoo Finance fallback, or a price from an Alpaca fallback. SEC EDGAR is used only for filing links and company identity details (legal name, address), never for figures.
- MoonshotScore V2 rates eligible US-listed companies from 0 to 100 against their sector peers on five pillars: Business Quality (weight 26), Financial Safety (weight 20), Valuation (weight 18), Growth Durability (weight 16) and Momentum (weight 12). It reads no news-sentiment or analyst data, and it is not a probability of future returns.
- Definitions follow standard investing terminology, with key terms explained inline in plain language where useful.
- Each price is the last quote we recorded, shown with the trading session it belongs to. Pages are served from a cache, so the copy you are reading can lag that quote. Each quote is a provider snapshot, not an exchange feed.
- This page is educational and does not constitute investment advice.
- All analysis is generated by AI models and should be verified with independent research.