Planning
Diversification
A portfolio is not one bet — it is a spread of them, each doing a different job. Here is an illustrative sample mix, sleeve by sleeve, and a look at why holding things that move differently is what smooths the ride.
Illustrative sample — not adviceA sample portfolio, sleeve by sleeve
Each slice is a kind of asset with a role to play. Hover or focus a sleeve — in the ring or the list — to read what it is and why it is there. Switch the sample profile to see the mix shift as appetite for growth changes.
Balanced sample. A spread across six sleeves — UK and global shares for growth, government and corporate bonds for ballast and income, property and an alternatives/cash sleeve to diversify. Illustrative only.
The whole portfolio
Six sleeves, one plan
No single holding carries the outcome. Point at a sleeve to see the part it plays.
Why the mix works: how the sleeves move
Diversification comes not from owning more things, but from owning things that do not all move as one. This grid shows an illustrative correlation between the same sleeves: gold squares tend to move together, dark squares tend to move apart. Hover or focus a square to read it in plain English.
Reading the grid. A value near +1 (gold) means two sleeves tend to rise and fall together; a value near 0 means they move fairly independently; a value below zero (dark) means one often holds up when the other falls. Shares are closely linked to each other, but only loosely — sometimes inversely — linked to government bonds, which is the cushion diversification is after. Illustrative figures, not measured from any live data.
About this tool
The portfolios shown here are illustrative samples — not a recommendation, and not necessarily an available product. The sleeves, weights and correlations are hypothetical, chosen to explain how diversification works; they are not measured from live market data and do not describe any real portfolio or any mix we would suggest for you.
Nothing here is financial advice, a personal recommendation, a forecast or a guarantee, and no investment decision should be made on the basis of it. The value of investments and any income from them can fall as well as rise, and you may get back less than you invested. Diversification spreads risk but does not remove it. Your own plan is agreed with Abhineet, looking at your full circumstances. Our full risk warnings and disclaimer apply.