See how diversified your retirement portfolio really is

Retirement Diversification Calculator and Worksheet

A portfolio can hold many funds and still lean on the same markets, which can mean more exposure to a single risk than you might expect.

This free retirement diversification calculator sorts your holdings by growth, income, and stability, then shows how much sits in public markets versus alternatives.

A portfolio can hold many funds and still lean on the same markets, which can mean more exposure to a single risk than you might expect.

This free retirement diversification calculator sorts your holdings by growth, income, and stability, then shows how much sits in public markets versus alternatives.

Start the worksheet now

How the diversification worksheet works

The worksheet groups each investment holding by the job it does for you. Growth assets, such as stocks, aim to increase in value over time. Income assets, such as bonds and bond funds, aim to pay you along the way. Stability assets, such as real estate and commodities, aim to preserve value.

It also splits your total between public markets (stocks, bonds, and funds) and alternatives (real estate, precious metals, crypto, and private investments). Finally, it compares your alternatives share with an adjustable range used by large institutions, so you can see where your mix differs and what to ask next.

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

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.

See how overlap builds up in our diversification guide.

Estimate your RMD

Required minimum distributions can affect how much you need to withdraw from eligible retirement accounts each year.

Estimate your withdrawal with our RMD calculator.

Better questions

Your result can help frame a more useful conversation about liquidity, risk tolerance, time horizon, fees, and access.

Take the next step with the Retirement Score.

Educational use only. This worksheet does not evaluate your full financial situation or provide investment, tax, or legal advice.

What a diversification result looks like

These hypothetical profiles show how the worksheet reads. They are illustrations, not targets or recommendations.

Bucket

Hypothetical Profile A

Hypothetical Profile B

Growth

85%

55%

Income

10%

25%

Stability

20%

Public markets

100%

85%

Alternatives

15%

A portfolio like A can hold eight funds and still have 85% of its value in growth assets, and 100% in public markets. A single stock-market downturn could affect most of it. A portfolio like B spreads value across all three roles and includes an alternatives allocation. Whether either mix is appropriate depends on a person's goals, timeline, and tolerance for risk.

What counts as a diversified retirement portfolio?

Owning many different stocks funds may not be the same as being diversified. The SEC’s Office of Investor Education notes that a narrowly focused fund may not diversify you on its own, and suggests checking the top holdings of each fund you own to confirm they differ (Investor.gov). Several large U.S. stock funds can overlap heavily and their behavior would likely be similar. This worksheet looks at your mix by asset type. It does not analyze the holdings inside each fund, so it can't show fund-level overlap.

The same SEC guidance says the right mix is personal and shifts with your time horizon and risk tolerance. This worksheet does not tell you what to own. It shows what you own so you can ask better questions. For the full picture across asset classes, tax buckets, and age, read our guide to retirement portfolio diversification.

Where alternative assets fit in a retirement mix

Alternatives such as real estate, precious metals, crypto, and private investments can behave differently from stocks and bonds, which is one reason large institutions hold them. They also carry their own risks. They can be harder to sell, harder to value, and subject to custodian and IRS rules. Neither the IRS nor any other government body approves or endorses any particular investment held in an IRA.

If you want to explore the alternatives side of your results, start with our alternative assets overview, then see how a self-directed IRA works. Specific paths include a real estate IRA, a precious metals IRA, and a crypto IRA.

Frequently Asked Questions

What is a retirement diversification calculator?

It is a tool that sorts your retirement holdings into categories, such as growth, income, stability, public, and alternative, and shows how your total is spread across them. It organizes what you own. It does not project returns.

Does the worksheet tell me what to buy or sell?

No. It is for education only. It shows how your holdings are distributed so you can ask better questions of yourself or a qualified professional.

Can I own many funds and still be undiversified?

Yes. Funds with narrow focus or similar top holdings can overlap. Consider checking each fund's top holdings to confirm they differ or are similar.

What counts as an alternative asset in this worksheet?

Real estate, precious metals, crypto, and private investments are the common examples of alternative assets. They can behave differently from stocks and bonds, and might be harder to sell or value.

How often should I review my mix?

Generally every six or 12 months is a good baseline to start from. Consult with a financial professional to determine the correct cadence for your individual situation.

*Based on assets under custody across all Retired.com consumer brands as of 05/18/2026.

**Review and rating count is aggregated across public review platforms and app stores for all Retired.com consumer brands. Average platform rating is calculated as the average of displayed ratings and not weighted by review or rating count.

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