The Diversification Gap Worksheet
The Diversification Gap Worksheet
See how diversified your retirement portfolio really is
See how diversified your retirement portfolio really is
See how diversified your retirement portfolio really is
A retirement portfolio can hold many funds and still depend on the same underlying markets. This free diversification worksheet helps you organize your holdings by growth, income, and stability and then compare your allocation with the range often used by large institutions.
A retirement portfolio can hold many funds and still depend on the same underlying markets. This free diversification worksheet helps you organize your holdings by growth, income, and stability and then compare your allocation with the range often used by large institutions.
A retirement portfolio can hold many funds and still depend on the same underlying markets. This free diversification worksheet helps you organize your holdings by growth, income, and stability and then compare your allocation with the range often used by large institutions.
Step 1 · Add your holdings
Replace the example values with the approximate current value of each asset type you own.
Step 2 · Review your mix
See how much of your portfolio falls into growth, income, stability, public, and alternative buckets.
Step 3 · Explore the gap
Compare your alternatives allocation with an adjustable institutional range and note where questions remain.
What your diversification results can tell you
What your diversification results can tell you
What your diversification results can tell you
The worksheet is a starting point for understanding concentration, not a score or a recommendation. Use the output to identify which parts of your retirement strategy may deserve a closer look.
The worksheet is a starting point for understanding concentration, not a score or a recommendation. Use the output to identify which parts of your retirement strategy may deserve a closer look.
Hidden concentration
Different funds can still react to the same economic forces. Bucket-level totals can make that overlap easier to spot.
Balance across roles
Growth, income, and stability serve different purposes. Seeing the mix can clarify what is carrying most of the portfolio’s work.
Better questions
Your result can help frame a more useful conversation about liquidity, risk tolerance, time horizon, fees, and access.
Educational use only. This worksheet does not evaluate your full financial situation or provide investment, tax, or legal advice.
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Retired.com, LLC (“Retired.com”) is a technology platform that connects users with third-party custodians, digital wallet providers, cryptocurrency platforms, brokerage providers, and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment adviser, and does not provide investment, legal, or tax advice.
Investment advisory services offered through Retired Advisory, LLC, an SEC-registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired.com, LLC, Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly owned subsidiaries of WAO Fintech, LLC.
Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.
Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.
The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented is reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.
© 2026 Retired.com. All rights reserved. Retired.com™ and the Retired.com Logo are trademarks of Retired.com, LLC. All other trademarks and logos are the property of their respective owners.
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Retired.com, LLC (“Retired.com”) is a technology platform that connects users with third-party custodians, digital wallet providers, cryptocurrency platforms, brokerage providers, and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment adviser, and does not provide investment, legal, or tax advice.
Investment advisory services offered through Retired Advisory, LLC, an SEC-registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired.com, LLC, Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly owned subsidiaries of WAO Fintech, LLC.
Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.
Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.
The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented is reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.
© 2026 Retired.com. All rights reserved. Retired.com™ and the Retired.com Logo are trademarks of Retired.com, LLC. All other trademarks and logos are the property of their respective owners.
Stocks
Precious Metals
Call us
Retired.com, LLC (“Retired.com”) is a technology platform that connects users with third-party custodians, digital wallet providers, cryptocurrency platforms, brokerage providers, and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment adviser, and does not provide investment, legal, or tax advice.
Investment advisory services offered through Retired Advisory, LLC, an SEC-registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired.com, LLC, Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly owned subsidiaries of WAO Fintech, LLC.
Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.
Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.
The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented is reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.
© 2026 Retired.com. All rights reserved. Retired.com™ and the Retired.com Logo are trademarks of Retired.com, LLC. All other trademarks and logos are the property of their respective owners.