Step 1 of 3 · Diagnose
Let's read your real risk
We've pre-filled a typical portfolio so you can see the insight in seconds. Every number below is yours to edit — nothing is uploaded, logged, or stored. Change a value and the diagnosis updates live.
Your holdings
Amounts in ₹ lakh · editable
Bluechip Equity Fund
Indian Large-cap Equity
Flexi-cap Growth Fund
Indian Large-cap Equity
Nifty 50 Index Fund
Indian Large-cap Equity
Mid-cap Opportunities
Indian Mid/Small-cap Equity
Employer ESOPs (single stock)
Single-stock / Employer
Corporate Bond Fund
Debt
Liquid / Savings
Cash
Sovereign Gold Bonds
Gold
Funds held
8
Real independent bets
3.6
Top holding
27.4%
Equity correlation
0.87
The diversification illusion
You hold 8 funds — but only 3.6 truly independent bets. Most of your money rides on Indian Large-cap Equity (59.1%).
If the market falls…
30%−₹83.84 L
Estimated drawdown on ₹2.92 Cr of equity at a portfolio beta of 0.96.
How this was calculated+
Every figure is computed deterministically in your browser from the holdings above — no AI guesses a number.
- Real independent bets (3.6) — we measure concentration with a Herfindahl index on each fund's weight, then discount it by how tightly your equity moves together. Many funds in one sector count as close to a single bet.
- Equity correlation (0.87) — rises with your equity share and how much of it sits in one sector (Indian Large-cap Equity, 59.1%).
- Drawdown in a 30% fall — your equity value × portfolio beta (0.96) × 30%. Beta is the weighted average sensitivity of your holdings.
The AI advisor only narrates these computed numbers in plain language — it is never the source of a figure.
What this means for you
IllustrativeGet a plain-language read on what these numbers mean — no jargon, no spin. Lodestar explains only the figures above; it never invents new ones.
Figures are illustrative and modelled for explanation only — not a forecast. This is education, not personalised advice.