Portfolio Allocation Analysis
See how your investments are distributed and identify opportunities to improve diversification.Viewing Your Allocation
- Go to Portfolio
- Click “Allocation” or “Analysis” tab
- View breakdowns by different categories
Allocation Views
By Sector
See how much you have in each market sector:- Technology
- Healthcare
- Financials
- Consumer Discretionary
- Consumer Staples
- Energy
- Industrials
- Materials
- Real Estate
- Utilities
- Communication Services
By Asset Type
View allocation across:- Stocks - Individual company shares
- ETFs - Exchange-traded funds
- Mutual Funds - Actively managed funds
- REITs - Real estate investments
- Bonds/Fixed Income - If applicable
- Cash - Uninvested cash in accounts
By Market Cap
See distribution by company size:- Large Cap - $10B+ market cap
- Mid Cap - 10B market cap
- Small Cap - Under $2B market cap
By Geography
Where your investments are based:- U.S. - Domestic stocks
- International Developed - Europe, Japan, etc.
- Emerging Markets - Developing economies
Reading Allocation Charts
Pie Charts
- Each slice represents a category
- Larger slices = bigger allocation
- Hover/tap for exact percentages
Bar Charts
- Height shows allocation size
- Compare categories side-by-side
- Easy to spot over/underweights
Understanding Diversification
Why Diversification Matters
- Reduces risk - Don’t have all eggs in one basket
- Smoother returns - Different sectors perform at different times
- Protection - If one sector drops, others may hold steady
Signs of Good Diversification
- No single stock is more than ~10-15% of portfolio
- Multiple sectors represented
- Mix of market caps
- Some geographic diversity
Warning Signs
- One stock dominates your portfolio
- All holdings in one sector
- No international exposure
- Over-concentration in employer stock
AI Allocation Insights
Ask the AI about your allocation:“How diversified is my portfolio?” “Am I overweight in tech?” “What sectors am I missing?” “Compare my allocation to the S&P 500”The AI can provide personalized analysis based on your holdings.
Rebalancing
If your allocation has drifted:- Identify overweights - Sectors above your target
- Identify underweights - Sectors below your target
- Consider adjustments - Buy underweights, trim overweights
- Tax implications - Selling triggers capital gains
Rallies provides allocation analysis but does not give personalized investment advice. Consider consulting a financial advisor for rebalancing decisions.
Allocation Limits
What we can show:| Feature | Free | Pro |
|---|---|---|
| Sector breakdown | ✓ | ✓ |
| Asset type | ✓ | ✓ |
| Market cap | ✓ | ✓ |
| Geographic | ✓ | ✓ |
| AI insights | Limited | Full |
| Historical allocation | ✗ | ✓ |
Export Allocation Data
To save or analyze elsewhere:- Go to Portfolio → Allocation
- Look for “Export” or download icon
- Choose format (CSV, PDF)
- Use in spreadsheets or share with advisor