See how diversified your portfolio really is

See how diversified your portfolio really is, instantly. Get a look-through analysis, a health score, and a clear plan toward financial freedom, powered by AI.

Get a look-through analysis, true asset allocation, a portfolio health score, and a clear plan toward financial freedom — powered by AI. Free assessment in under 2 minutes.

Portfolio diversification and asset allocation

DiversiFIRE is an investing platform with look-through portfolio analysis, true asset allocation, institutional-style model portfolios, and AI guidance for early retirement planning. See how diversified your portfolio really is — overlap, concentration, fees, and a health score you can act on.

Platform features

Financial Freedom Score (FFS) — A score out of 100 that shows how close you are to your definition of financial freedom, based on your goals, savings, and portfolio.
AI goal dashboard — Define retirement or savings targets, track progress over time, and see projection paths tied to your real numbers.
Monthly savings guidance — Get a recommended amount to save and invest each month, with follow-through tools that connect planning to your execution plan.
Free readiness assessment — A short quiz that unlocks your score, personalised next steps, and access to the full DiversiFIRE workspace.
Portfolio dashboard — Track total value, performance over time, contributions, and goal progress — with allocation views that roll up to true asset-class exposure via look-through where holdings data is known.
Holdings & performance analytics — View individual holdings, calendar-year returns, contribution to return, and portfolio-level performance metrics alongside look-through context for fund-based positions.
Asset classification — Automatic asset-class breakdown (equity, fixed income, alternatives, cash, and more) using full look-through into fund composition where disclosed — so you see what you really own, not just fund names on the label.
Multi-currency support — Analyse portfolios in your display currency with FX-aware valuation where applicable.
Portfolio X-Ray — Upload or build your portfolio to uncover hidden overlap, concentration, factor tilts, fee drag, and risk mismatches — with full look-through into underlying fund holdings where composition data is available, so duplicate exposures across ETFs and funds surface clearly.
AI insights feed — Actionable insight cards grounded in look-through diagnostics — explaining what to fix, why it matters, and suggested next steps in plain English.
Portfolio score — A structured health score linked to look-through-aware insights so you can prioritise changes that improve diversification and risk-adjusted outcomes.
Classic model portfolio (60/40 style) — A balanced, institutional-style reference portfolio blending global equities and bonds for broad diversification.
Alternative model portfolio — Liquid alternative and factor building blocks designed to broaden diversification beyond traditional 60/40.
Income-focused model portfolio — Income-tilted allocation emphasising dividends, bond yield, and multi-asset income sources.
Sustainable growth model portfolio — ESG-aligned, growth-oriented model focusing on sustainable leaders and global diversification.
Risk vs return & backtest charts — See where each model sits on the efficient frontier and how it behaved across historical market cycles.
Monthly portfolio maintenance — A structured monthly workflow: review look-through health, action insights, save & deposit, explore themes, and deploy capital.
Rebalancing guidance — Drift detection and checkpoint logic using true look-through allocation where available — showing when exposures have moved away from target and what to adjust.
Bobby the AI Financial Advisor — An AI agent for portfolio questions — ask about your holdings, model portfolios, look-through X-Ray results, and next steps; get practical guidance aligned to your goal.
Execution plan — Turn insights and model ideas into a concrete list of trades or fund purchases with “how to buy” guidance.
Themes of the Month — Macro themes and ETF ideas translated into a practical format — explore what is driving markets and how to position.
Best ETFs (curated) — A curated set of standout ETFs by category — a starting point for research, not generic retail screeners.
What-If analysis — Stress-test allocation changes before you act; compare scenarios side by side with look-through-aware impact on score, diversification, and risk.
Portfolio builder & upload — Build holdings via form or upload a spreadsheet; analyse instantly with the same look-through X-Ray and insight engine.

Frequently asked questions

How do I know if my portfolio is diversified?

Count independent risks, not the number of funds. A global ETF, an S&P 500 ETF and a technology ETF can own the same mega-cap stocks. Look-through analysis adds up underlying holdings so you can see true asset allocation, country exposure, sector concentration and ETF overlap — that is how you measure portfolio diversification.

What is asset allocation?

Asset allocation is how you split a portfolio across equities, bonds, alternatives, cash and other building blocks. It is the main driver of long-term risk and return. DiversiFIRE shows your true mix after looking through funds, then lets you compare it with institutional-style model portfolios.

What is look-through portfolio analysis?

Look-through analysis inspects what sits inside each ETF or fund, then aggregates those holdings at portfolio level. Instead of seeing fund labels, you see combined stock, sector, country, fee and factor exposure — the same lens institutions use for portfolio construction.

Can I check ETF overlap and concentration for free?

Yes. Take the free DiversiFIRE assessment (under two minutes) to get your Financial Freedom Score, then upload holdings for Portfolio X-Ray. You will see overlap, concentration, a portfolio health score and suggested next steps.

What is DiversiFIRE?

DiversiFIRE is a web-based investing platform for portfolio diversification and asset allocation. It combines look-through Portfolio X-Ray, institutional-style model portfolios, and AI guidance so everyday investors can measure a Financial Freedom Score and follow a monthly plan toward early retirement.

What is the Financial Freedom Score?

The Financial Freedom Score (FFS) is a number out of 100 that estimates how close you are to your stated financial freedom goal. It blends your savings behaviour, goal timeline, and portfolio quality into one clear metric you can track over time.

What is Portfolio X-Ray?

Portfolio X-Ray analyses your holdings with full look-through into fund composition where data is available — surfacing concentration, overlap between funds, fee drag, factor exposures, and risk mismatches at the underlying level. It produces plain-English insights and a portfolio health score so you know what to fix first.

Which model portfolios does DiversiFIRE offer?

DiversiFIRE offers four in-house model portfolios: Classic (balanced 60/40-style), Alternative (liquid alts and factors), Income-focused (yield and dividends), and Sustainable Growth (ESG-aligned growth). Each includes risk/return context and historical behaviour charts.

Who is Bobby the AI Financial Advisor?

Bobby the AI Financial Advisor is DiversiFIRE’s AI agent for portfolio questions. Ask Bobby about your holdings, look-through X-Ray results, model portfolios, and themes; get help interpreting insights and practical next steps aligned to your goal.

How does portfolio maintenance work?

The monthly maintenance workflow guides you through portfolio health, outstanding insights, recommended savings/deposits, rebalancing checkpoints, Themes of the Month, and deploying capital via an execution plan — so planning connects to action.

Does DiversiFIRE tell me how much to save each month?

Yes. Based on your goal, timeline, and portfolio, the platform recommends a monthly savings and investment amount and helps you follow through with maintenance tasks and execution planning.

What are Themes of the Month?

Themes of the Month are curated macro investment themes with related ETF ideas, updated regularly. They help you explore timely opportunities without starting from a blank screener.

What is the Best ETFs list?

It is a curated selection of standout ETFs by category for the current period — designed as a research starting point alongside model portfolios and themes, not as personalised advice.

Can I stress-test changes before investing?

Yes. What-If analysis lets you model allocation changes, compare scenarios, and see how adjustments may affect risk and your Financial Freedom Score before you commit.

Is DiversiFIRE financial advice?

DiversiFIRE provides educational tools and general information only. It does not provide personalised regulated investment, tax, or legal advice. Always consider speaking with a qualified adviser for your full circumstances.

Who built DiversiFIRE?

DiversiFIRE brings institutional-grade portfolio tools to investors pursuing Financial Independence and Retire Early (FIRE), with look-through analysis, model portfolios, and AI guidance built around disciplined asset allocation and risk management.

How do I get started?

Visit https://www.diversifire.ai and take the free assessment (under two minutes). You will receive your Financial Freedom Score and can unlock dashboards, model portfolios, Portfolio X-Ray, and AI guidance.

How can I contact support?

Email info@diversifire.ai for help with billing, technical issues, or general questions about the platform.

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