What the free score checks
Flowvest's free score breaks portfolio health into diversification, asset balance, cash efficiency, and risk management so the final number is tied to action areas.
Step 1
What belongs in a portfolio risk score
The score should blend objective structure and investor fit. Structure includes concentration, asset mix, and cash drag. Fit includes risk tolerance, time horizon, and whether the investor has a process for rebalancing. A portfolio with high volatility may still be healthy if it is diversified and matched to a long horizon.
- •Diversification: how much one holding, sector, or theme can hurt the plan.
- •Allocation: whether stocks, bonds, and cash match the intended timeline.
- •Discipline: whether rebalancing happens by rule or by emotion.
Step 2
Why free scores should be transparent
A black-box score can create false confidence. If the tool cannot explain why the score is low, you may not know what to fix. Look for a score that separates components so an investor can tell whether the problem is concentration, cash, allocation, or behavior.
- •Avoid treating one number as a full financial plan.
- •Prefer component scores that show which habit or allocation needs attention.
- •Use the same scoring method over time so trend changes are meaningful.
Step 3
How to use the score after you get it
The best next step depends on which dimension is weakest. A low diversification score may call for reducing single-stock exposure. A low cash-efficiency score may mean idle cash needs a job. A low risk-management score may simply mean creating a repeatable review process.
- •Fix process gaps before making complex investment changes.
- •Use contributions and dividends to rebalance before triggering unnecessary sales.
- •Rescore after changes so the improvement is visible and repeatable.
Get the score, then focus on the weakest component first.
The calculator below is free, shows the score instantly, and does not require brokerage credentials. Email is optional if you want the follow-up plan.
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FAQ
Common questions about this portfolio check
What is a good portfolio risk score?
A good score depends on the scoring model, but higher should usually mean the portfolio is diversified, balanced for the investor's goal, cash-efficient, and managed with clear rules. The component breakdown matters more than the headline number.
Is a free risk score enough to rebalance?
It can identify where to look, but it should not replace a full investment plan or tax review. Use the score to prioritize questions, then decide whether simple rebalancing, deeper analysis, or professional advice is appropriate.
Can my score change without buying or selling?
Yes. Market movement can change position weights and asset allocation, which may improve or weaken the score even if you do nothing. That is why recurring checks are useful.