How concentrated is your net worth?
House, employer stock, one crypto position, single points of failure.
Start the quiz →What this quiz explores
Most concentration doesn't come from a bold bet. It accumulates: you buy a house, you stay at a company that pays partly in its own stock, one holding does well and you never trim it. This finds where your single point of failure sits, and it counts your income as an asset, because for most people it's the largest one.
How it works
The quiz has 4 possible results. Each answer option was written to lean toward one of them.
Your result is the one your answers pointed to most often. Skipped questions, and the occasional answer that does not lean toward any result, are not counted.
Alongside the result you see your answer profile: the share of your answers that pointed to each result. Close percentages mean you sit between two results, which is common.
Where your single point of failure sits
The Company Town
Your salary, your equity, and a chunk of your savings all depend on the same organization having a good decade.
You didn't choose this. It's how you were paid, and each year of vesting added to a position you never actively bought. The trouble is that it isn't three exposures, it's one, and it's the one that fails in the specific scenario where you also need cash and a job at the same time. History has enough examples of capable people at admired companies losing employment and savings in a single quarter to make the point without naming anyone. The trap is that trimming feels disloyal, and often feels like a forecast about your employer that you don't hold. It isn't a forecast. It's an acknowledgment that no single company should hold your income and your net worth, however good that company is, and the people who learned this lesson expensively mostly worked somewhere excellent. Make it mechanical so it stops being a judgment. Sell on vest, on a schedule, and treat it as automatic payroll rather than a decision, since decisions get postponed and schedules don't. Decide the maximum share of net worth you're willing to hold in your employer and stay under it. Get advice on the tax treatment, which differs a lot between grant types and is the part most people get wrong on their own.
The House Rich
Most of what you own is a place you live in, and it can't be partly sold or quickly sold.
Home equity dominates the balance sheet, the mortgage is large, and the emergency fund got consumed by the deposit and the things that broke afterward. This is the ordinary shape for anyone who bought in an expensive city, and it isn't a mistake: you're housed, you're building equity, and you're protected against rent rises for as long as you stay. The exposure is liquidity rather than value. A house cannot be sold in pieces, cannot be sold quickly at a fair price, and tends to be worth least exactly when your local economy is struggling, which is the same period you're most likely to lose income. That combination, rather than a price decline on its own, is what forces people into bad sales. The buffer is the whole answer here, and it comes before investing. Build several months of real expenses in cash, held separately, even if it means slowing everything else down for a year, because it converts a crisis into an inconvenience. Then check that your disability and life coverage would service the mortgage, since for most people in this bucket the loan outlives every other financial arrangement they have.
One Big Bet
One position built most of what you have, and the reasoning that got you here is the reasoning arguing against selling.
A stock, a crypto holding, a business, a property you bought early. You were right, you held while others didn't, and the returns are the evidence. Concentration builds fortunes, and yours is a live example rather than a theory, which is exactly what makes the next part hard to hear. The trap is that the same conviction that produced the gain now prevents you from protecting it. Every trim feels like a statement that you've stopped believing, and the position has probably become part of how you think about yourself. Meanwhile the arithmetic has changed underneath you: a 60% fall from here costs far more in dollars than it would have when you started, and you have less working life left to rebuild it. Separate the belief from the sizing. You can hold the view and still decide what percentage of your net worth is allowed to ride on it, then sell in fixed increments on fixed dates so no single sale requires you to call a top. Put the proceeds somewhere deliberately dull. And find out what the tax bill looks like before you start, not after, because the sequence matters more than most people expect.
The Balanced Book
Nothing here would take you down on its own, so your risks are the ones that don't show up on a balance sheet.
No single asset dominates, your emergency fund is sized on purpose, your investments are broad, and your employer doesn't also hold your savings. You're rarer than you might think, and the honest answer is that concentration is not your problem.
Not advice about any individual holding.
What this quiz can’t tell you
- It does not know your income, debts, taxes, dependents or goals, and any real decision turns on those.
- It sorts you by how you answered a set of general questions. It is not a financial plan and it is not a recommendation to buy, sell or hold anything.
- Markets and personal circumstances change. A result that fits today may not fit next year.
Read more about how our quizzes are created, including how scoring works and what we do and do not claim.