Portfolio Health Score Guide

Understanding your portfolio’s risk profile and diversification through comprehensive analysis.

Last reviewed 10 August 2026

What is the Portfolio Health Score?

The Portfolio Health Score is a comprehensive risk assessment tool that evaluates your portfolio across 5 key factors, each weighted by importance. It provides a single score from 0 to 100 that indicates how well your portfolio is diversified and managed from a risk perspective.

The Portfolio Health Score is available on Gold plans and above.

Factor Weights (Total: 100 points)

Data Completeness: 30 points - How many of your assets have a value recorded
Asset Diversification: 25 points - How widely your assets spread across categories
Geographic Spread: 15 points - How many countries your assets are held in
Currency Diversification: 15 points - How many currencies your assets are held in
Liability Management: 15 points - Your debt relative to your assets

Score Ranges

80-100

Excellent

Strong diversification and excellent risk management

60-79

Good

Well-balanced portfolio with room for improvement

40-59

Fair

Needs attention in several key areas

0-39

Poor

Significant risks that should be addressed

Health Score Factors

Data Completeness

Measures what share of your assets have a value assigned. Complete data enables accurate portfolio analysis.

Up to 30 points

Points scale with that share: valuing every asset earns all 30.

Asset Diversification

Combines how many asset categories you hold (breadth, 15 points) with how concentrated your largest category is (balance, 10 points). Holding assets across many categories is the main driver of this score.

Up to 25 points

Breadth: the full 15 at 6 or more categories that each hold more than 0.5% of your portfolio, with the first few categories counting most.

Balance: the full 10 while no single category is more than 25% of your portfolio, falling to none when everything sits in one category.

Geographic Spread

Evaluates your exposure to different countries. Holding assets in more than one country reduces reliance on any single economy.

Up to 15 points

3 for each country your assets are in, reaching the full 15 at 5 countries.

Currency Diversification

Measures your exposure to different currencies. Holding more than one currency reduces reliance on any single exchange rate.

Up to 15 points

5 for each currency you hold, reaching the full 15 at 3 currencies.

Liability Management

Measures your total liabilities as a percentage of your total assets. A lower debt-to-asset ratio indicates better financial stability.

Up to 15 points

The full 15 with no debt recorded, falling steadily as debt grows and reaching none once debt is 75% of your assets or more.

How to Improve Your Score

Strategies for Each Factor

Data Completeness (30 pts): Add values to all your assets. Even estimates help create a more accurate picture of your portfolio.
Asset Diversification (25 pts): Add assets across multiple categories (financial accounts, property, investments, digital assets). Holding 6 or more categories earns full breadth points. Concentration in one category is noted but doesn’t heavily penalise your score, because in estate planning you often can’t rebalance assets like a stock portfolio.
Geographic Spread (15 pts): Add international investments or global funds to reduce country-specific risks. Each additional country improves your score until the factor is full.
Currency Diversification (15 pts): Consider investments in different currencies or currency-hedged funds to protect against foreign exchange volatility.
Liability Management (15 pts): Focus on reducing debt relative to your assets. Pay down high-interest debt first and avoid overleveraging.

Common Improvement Scenarios

Low Completeness: Many assets without values? Add estimates to improve this factor significantly (worth up to 30 points).
Real Estate Heavy: If most of your wealth is in property, adding financial accounts or investments will improve your breadth score. Your property concentration is noted but won’t heavily penalise you.
Single Country Focus: UK-only portfolios miss international growth opportunities. Consider global funds or foreign property.
High Debt Ratio: Consider debt consolidation or increased mortgage payments to bring your debt down relative to your assets.
Single Currency: GBP-only portfolios face exchange rate risk. Add USD or EUR-denominated investments for protection.

Important Disclaimer

This Portfolio Health Score is for educational and informational purposes only and should not be considered as personalised financial advice. The analysis is based on general risk management principles and the asset information you’ve provided. Every individual’s financial situation is unique, and what works for one person may not be suitable for another.

We strongly recommend consulting with a qualified financial adviser before making any investment decisions. Past performance does not guarantee future results, and all investments carry inherent risks, including the potential loss of principal. The health score does not take into account your personal financial goals, time horizon, risk tolerance, or other individual circumstances.

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