Portfolio Health Check
How healthy is your income portfolio?
Your score measures four dimensions of income portfolio health: how diversified your holdings are, how evenly income spreads across the year, whether any single position dominates, and whether your dividends are growing. Add your holdings and allocations to see where you stand.
Income Portfolio Health Score
3 holdings across 1 category.
Income distributed across all 12 months.
Largest holding: 33%. Top category: 100%.
Weighted dividend growth rate: 6.4% per year.
Monthly Income Distribution
Observations
Single-category concentration ties outcomes to that strategy's behavior.
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What is a portfolio health check?
A portfolio health check scores your portfolio on diversification, expense ratios, dividend durability, and overlap. The goal is to flag concentration risk, fee drag, and redundant holdings before they cost you returns.
How diversified should my FIRE portfolio be?
Most FIRE portfolios work with 2 to 5 broad ETFs spanning US total market, international, bonds, and optionally a dividend or income tilt. Owning 10+ overlapping ETFs adds complexity without meaningful diversification.
What's a good expense ratio for a FIRE portfolio?
Under 0.15 percent across the portfolio is healthy. Index ETFs like VTI, VOO, and SCHD run 0.03 to 0.06 percent. Covered call ETFs (JEPI, JEPQ) are higher (0.35 percent), which can still be acceptable given their role.
How much overlap between SCHD and VOO is too much?
SCHD overlaps VOO at roughly 20 to 25 percent by weight (large-cap US dividend payers). That's usually fine. Overlap becomes a problem when two funds share 50+ percent of holdings and charge separate fees for the privilege.
Should I own both a dividend ETF and a total market ETF?
Yes for most FIRE investors. A total market ETF gives broad growth, while a dividend ETF provides income that becomes useful in the withdrawal phase. The health check flags cases where the dividend tilt is so large it hurts total return.
This tool is for educational and informational purposes only. It does not constitute financial advice. Past performance does not guarantee future results. Consult a qualified financial advisor for personalized advice.
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