The portfolio health score is a 0–100 blend of four measures, and which four depends on the investor profile you chose: a dividend-focused profile weights income safety most, a trading one weights market sensitivity. Two appear for almost everyone — concentration, how much rides on your largest single company and your top three, and sector diversification, how many sectors you hold and how evenly. The others come from quality (return on equity and debt), sector coverage against your targets, market sensitivity (each holding's beta), income, and dividend safety, built from each holding's payout ratio and dividend cover. The widget lists the four it's using, with their weights.
Each has blind spots. Concentration and diversification look inside funds only as far as the data provider allows. A fund counts toward each sector it holds, with Bonds and Cash for the rest, and concentration adds up each company across your funds' ten largest holdings and your own shares. Beyond a fund's top ten, the rest is treated as spread thinly. A fund whose top holdings are other funds adds no single company, and investment trusts arrive with no breakdown, so each still counts as one Unknown holding. Sector labels can't see drivers shared across sectors either, and dividend safety uses the latest payout and cover figures, which lag the company's results. Read the score as a prompt to look, not a verdict.
The Seedling profile's four measures and their weights. Other profiles swap in different ones.
Educational content only. It is not personal financial advice.