Identify what you are exposed to
Diversification means spreading investments across different exposures rather than relying heavily on one. It can reduce concentration risk, but cannot prevent every loss or guarantee a positive return. Investor.gov’s diversification introduction explains the general principle.
Several accounts can hold the same risk
Holding the same company’s shares through two brokers does not create two different underlying companies. Similarly, several bonds from the same issuer can retain a shared issuer exposure. Broker count alone does not describe the diversity of a portfolio.
For a recordkeeping review, group holdings by underlying issuer and asset type, and note relevant dates and currencies. This is an organizing exercise, not a recommendation for a particular investment allocation.
Make the picture easier to read
Bring records from different brokers together before drawing conclusions about concentration. Struct Capital’s independent tracking approach helps organize that information. Its views depend on the records you enter or import and review; they are not personalized advice or proof that a portfolio is suitably diversified.
This guide gives no target percentages or suggestion that every investor should hold the same mix of assets.