401(k) Diversification & Risk Check
Audit your 401(k) allocation against your age, risk tolerance, and time horizon to identify concentration risks and rebalancing needs.
Answer these 8 questions to audit your 401(k) allocation against best-practice standards.
This determines your baseline time horizon and target equity allocation.
This defines your investment time horizon.
Choose the profile that best matches your comfort with market volatility.
Include all domestic and international stock funds.
Include all bond funds and cash equivalents.
This includes any single mutual fund or ETF in your plan menu.
If you do not hold employer stock, enter 0.
Rebalancing restores your target allocation after market drift.
Your 401(k) allocation is well-aligned with your risk tolerance, time horizon, and diversification best practices, providing a solid foundation for retirement.
What to fix (2)
Aggressive investors maintain 80%+ equity
MajorAggressive profiles rely on long-term equity growth; falling below 80% undermines the growth objective.
Fix: If you selected 'Aggressive', increase your equity allocation to at least 80% to capture long-term market returns.
Portfolio rebalanced within the last year
MajorMarket drift can cause your allocation to deviate significantly from your target, increasing risk without your awareness.
Fix: Rebalance your portfolio now to restore your target allocation, and set a reminder to review annually or when drift exceeds 5%.
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