Sam · What-If StrategistWhat if one investment became 50% of my portfolio?
One stock or property carrying your whole net worth is great on the way up — and brutal on the way down. See the downside.
Free to start · iOS & Android
When one holding is too big
Concentration is how fortunes are made and lost. If a single position is half your portfolio, a bad year for that one holding hits your whole net worth. This shows the dollar damage of a fall in your largest position, and how trimming it changes the risk.
Questions people ask
What is concentration risk?
It's the risk of having too much riding on a single investment. If that holding drops sharply, your entire portfolio takes the hit — unlike a diversified mix where losses are cushioned.
How much in one holding is too much?
There's no universal limit, but many investors get uneasy when a single position exceeds 10–20% of their portfolio. The right level depends on your situation, which this tool doesn't assess.
Should I sell a concentrated position?
This is an education tool, not advice. Selling can trigger taxes and other consequences, so it's worth understanding the trade-offs and speaking with a professional about your specifics.
Related what-ifs
See it on your real money
Track your net worth, then ask Sam any “what if.” Free to start, on iOS and Android.
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