Concentration · example portfolio

Berkshire-Inspired Example Portfolio, Scored

An illustrative basket published on 17 September 2026. The displayed weights are fixed inputs for exploring concentration, not verified current Berkshire Hathaway holdings or the contents of a specific 13F filing. Rescoring updates the analysis, not the basket.

The portfolio

AAPL40%
AXP15%
BAC12%
KO10%
CVX8%
OXY5%
MCO3%
KHC3%
CB3%
DVA1%

Weights as shown, Medium risk profile. Re-scored automatically about once a week; the date and engine version are on the result.

74.0 / 100

Portfolio score Good

Solid, with specific things to tighten.

The structure holds up. One or two components pull the score down, and they are named below in priority order.

Weak Neutral Good Strong

10 holdings resolved · Medium risk profile · engine 2026-03-07-v5 · trajectory improving (36% confidence)

What is a good score? → Score your own portfolio

Largest position: 40.0% AAPL · limit 30%
Effective positions: 4.6 of 10 held · target 8
Top sector: 40.0% Technology
Weighted beta: 0.88 market sensitivity
Exposure plan: 74% invested 26% cash · balanced
You are at: 100% invested 0% cash

Component scores

Diversification80
Risk balance91
Quality59
Signal96
Trend59
Market context0

A component is “no data” when the engine lacks evidence for it, which is reported rather than guessed.

What to look at first

Priority Largest position is above the profile limit
AAPL is 40.0% of invested value. The Medium risk profile treats 30.0% as the ceiling for a single holding.
Watch Fewer effective positions than it looks
Position sizing gives this portfolio the concentration of about 4.6 equally weighted holdings, below the profile target.
Priority Material weight in negative-signal holdings
30.0% of invested value sits in holdings with a negative signal reading, above what the profile tolerates.
Watch The exposure plan favours a cash buffer
Given current signal, trend and concentration evidence, the plan targets about 73.7% invested and 26.3% cash, deployed at a gradual pace.
Watch Limited factor evidence
Factor evidence is missing for 100.0% of invested value, which limits how much forward-looking context the engine can support.
Watch Forward-looking confidence is limited
Lens confidence averages 46.3%. Treat the trend and market-context components as provisional.

Holdings

Ticker	Sector	Value	Weight	Signal	Score	Profile
AAPL	Technology	40,000	40.0%	BUY	6.20	core
AXP	Financial Services	15,000	15.0%	SELL	-2.00	turnaround
BAC	Financial Services	12,000	12.0%	SELL	-4.86	turnaround
KO	Consumer Defensive	10,000	10.0%	BUY	5.80	core
CVX	Energy	8,000	8.0%	HOLD	0.00	cyclical
OXY	Energy	5,000	5.0%	BUY	2.44	cyclical
MCO	Financial Services	3,000	3.0%	HOLD	-1.30	turnaround
KHC	Consumer Defensive	3,000	3.0%	SELL	-2.49	turnaround
CB	Financial Services	3,000	3.0%	BUY	3.63	core
DVA	Healthcare	1,000	1.0%	HOLD	-1.04	defensive

Evidence limits:

Missing grade data for part of the portfolio
Missing dividend quality data for part of the portfolio
Weak stock-type classification confidence for part of the portfolio
Missing lens-specific factor evidence for large parts of the portfolio
Weak factor evidence confidence reduces forward-looking reliability

POST /evaluate

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{
    "ok": true,
    "evaluation": {
        "engine_version": "2026-03-07-v5",
        "score": 74,
        "health_score": 74,
        "status": "Good",
        "status_key": "good",
        "count": 10,
        "weighted_score": 2.279999999999999804600747665972448885440826416015625,
        "max_position_weight": 40,
        "max_position_ticker": "AAPL",
        "effective_positions": 4.57000000000000028421709430404007434844970703125,
        "weighted_beta": 0.88000000000000000444089209850062616169452667236328125,
        "signal_mix": {
            "buy": 58,
            "hold": 12,
            "sell": 30
        },
        "trend_alignment_pct": 58,
        "trend_negative_pct": 34,
        "weighted_grade_score": 4.5,
        "weighted_dividend_score": 3.020000000000000017763568394002504646778106689453125,
        "top_sector": "Technology",
        "top_sector_weight": 40,
        "score_components": {
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            "diversification": 79.5,
            "risk": 91.2999999999999971578290569595992565155029296875,
            "quality": 59.2999999999999971578290569595992565155029296875,
            "trend": 58.60000000000000142108547152020037174224853515625,
            "macro": 0.299999999999999988897769753748434595763683319091796875
        },
        "trajectory": {
            "direction": "improving",
            "confidence": 36.10000000000000142108547152020037174224853515625,
            "summary": "Positive signal and trend balance"
        },
        "context_alignment": {
            "score": 0.299999999999999988897769753748434595763683319091796875,
            "coverage_pct": 100,
            "matched_weight_pct": 100,
            "top_sector_view": null
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        "forward_confidence": 46.2999999999999971578290569595992565155029296875,
        "exposure_plan": {
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            "target_cash_pct": 26.300000000000000710542735760100185871124267578125,
            "min_invested_pct": 60.7000000000000028421709430404007434844970703125,
            "max_invested_pct": 86.7000000000000028421709430404007434844970703125,
            "min_cash_pct": 13.300000000000000710542735760100185871124267578125,
            "max_cash_pct": 39.2999999999999971578290569595992565155029296875,
            "base_invested_pct": 72,
            "stance": "balanced",
            "deployment_speed": "gradual",
            "confidence": 55.39999999999999857891452847979962825775146484375,
            "market_regime_score": 50,
            "market_regime_code": "",
            "reason_codes": [
                "positive_signal_balance",
                "negative_trend_pressure",
                "high_sell_weight",
                "concentration_risk",
                "low_forward_confidence"
            ],
            "components": {
                "market_adjustment": 0,
                "signal_adjustment": 12.5600000000000004973799150320701301097869873046875,
                "trend_adjustment": 2.399999999999999911182158029987476766109466552734375,
                "sell_penalty": 4.5,
                "concentration_penalty": 8
            }
        },
        "holding_analysis": [
            {
                "ticker": "AAPL",
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                "signal": "BUY",
                "sector": "Technology",
                "profile": "core",
                "lens": "core_quality",
                "classification_confidence": 28,
                "classification_quality": "weak",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "fallback_core"
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                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 28
            },
            {
                "ticker": "AXP",
                "weight_pct": 15,
                "score": -2,
                "signal": "SELL",
                "sector": "Financial Services",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "negative_medium_score"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "BAC",
                "weight_pct": 12,
                "score": -4.86000000000000031974423109204508364200592041015625,
                "signal": "SELL",
                "sector": "Financial Services",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "negative_medium_score"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "KO",
                "weight_pct": 10,
                "score": 5.79999999999999982236431605997495353221893310546875,
                "signal": "BUY",
                "sector": "Consumer Defensive",
                "profile": "core",
                "lens": "core_quality",
                "classification_confidence": 28,
                "classification_quality": "weak",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "fallback_core"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 28
            },
            {
                "ticker": "CVX",
                "weight_pct": 8,
                "score": 0,
                "signal": "HOLD",
                "sector": "Energy",
                "profile": "cyclical",
                "lens": "macro_cyclical",
                "classification_confidence": 64,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "cyclical_sector"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 64
            },
            {
                "ticker": "OXY",
                "weight_pct": 5,
                "score": 2.439999999999999946709294817992486059665679931640625,
                "signal": "BUY",
                "sector": "Energy",
                "profile": "cyclical",
                "lens": "macro_cyclical",
                "classification_confidence": 64,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "cyclical_sector"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 64
            },
            {
                "ticker": "MCO",
                "weight_pct": 3,
                "score": -1.3000000000000000444089209850062616169452667236328125,
                "signal": "HOLD",
                "sector": "Financial Services",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
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                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "KHC",
                "weight_pct": 3,
                "score": -2.4900000000000002131628207280300557613372802734375,
                "signal": "SELL",
                "sector": "Consumer Defensive",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "negative_medium_score"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "CB",
                "weight_pct": 3,
                "score": 3.62999999999999989341858963598497211933135986328125,
                "signal": "BUY",
                "sector": "Financial Services",
                "profile": "core",
                "lens": "core_quality",
                "classification_confidence": 28,
                "classification_quality": "weak",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "fallback_core"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 28
            },
            {
                "ticker": "DVA",
                "weight_pct": 1,
                "score": -1.04000000000000003552713678800500929355621337890625,
                "signal": "HOLD",
                "sector": "Healthcare",
                "profile": "defensive",
                "lens": "defensive_quality",
                "classification_confidence": 74,
                "classification_quality": "usable",
                "classification_ambiguous": true,
                "classification_reason_codes": [
                    "defensive_sector",
                    "beta_supports_defensive"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 4,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 74
            }
        ],
        "coverage": {
            "beta_pct": 100,
            "grade_pct": 80,
            "dividend_pct": 90,
            "trend_pct": 100,
            "macro_pct": 100
        },
        "diagnostics": {
            "risk_level": "medium",
            "risk_profile": {
                "target_max_weight": 0.299999999999999988897769753748434595763683319091796875,
                "target_sector_weight": 0.40000000000000002220446049250313080847263336181640625,
                "target_sell_weight": 0.200000000000000011102230246251565404236316680908203125,
                "target_effective_positions": 8,
                "beta_band_min": 0.75,
                "beta_band_max": 1.25
            },
            "profile_mix": {
                "core": 53,
                "turnaround": 33,
                "cyclical": 13,
                "defensive": 1
            },
            "lens_mix": {
                "core_quality": 53,
                "recovery": 33,
                "macro_cyclical": 13,
                "defensive_quality": 1
            },
            "classification": {
                "avg_confidence": 46.2999999999999971578290569595992565155029296875,
                "quality": "weak",
                "low_confidence_weight_pct": 53,
                "ambiguous_weight_pct": 1,
                "weak_count": 3,
                "low_confidence_tickers": [
                    "AAPL",
                    "KO",
                    "CB"
                ]
            },
            "factor_evidence": {
                "avg_confidence": 0,
                "quality": "weak",
                "low_confidence_weight_pct": 100,
                "missing_weight_pct": 100,
                "aligned_weight_pct": 0,
                "avg_lens_confidence": 46.2999999999999971578290569595992565155029296875
            },
            "sector_context": {
                "scores": [],
                "top_sector": "Technology",
                "top_sector_score": null,
                "top_sector_detail": null
            },
            "market_regime": {
                "selected_code": "",
                "mode": "missing",
                "score": null,
                "weights_pct": {
                    "OSL": 0,
                    "US": 0,
                    "GLOBAL": 0
                },
                "selected_regime": null
            },
            "data_gaps": [
                "Missing grade data for part of the portfolio",
                "Missing dividend quality data for part of the portfolio",
                "Weak stock-type classification confidence for part of the portfolio",
                "Missing lens-specific factor evidence for large parts of the portfolio",
                "Weak factor evidence confidence reduces forward-looking reliability"
            ]
        },
        "insights": [
            {
                "id": "weighted_score",
                "value": 2.279999999999999804600747665972448885440826416015625,
                "tone": "good",
                "status_key": "good"
            },
            {
                "id": "target_invested_pct",
                "value": 73.7000000000000028421709430404007434844970703125,
                "cash_pct": 26.300000000000000710542735760100185871124267578125,
                "stance": "balanced",
                "confidence": 55.39999999999999857891452847979962825775146484375,
                "tone": "risk"
            },
            {
                "id": "effective_positions",
                "value": 4.5999999999999996447286321199499070644378662109375,
                "tone": "risk"
            },
            {
                "id": "largest_position",
                "value": 40,
                "ticker": "AAPL",
                "tone": "risk"
            },
            {
                "id": "top_sector",
                "value": 40,
                "sector": "Technology",
                "tone": "warn"
            },
            {
                "id": "signal_mix",
                "buy": 58,
                "hold": 12,
                "sell": 30,
                "tone": "risk"
            },
            {
                "id": "portfolio_trajectory",
                "value": "improving",
                "tone": "good",
                "confidence": 36.10000000000000142108547152020037174224853515625
            },
            {
                "id": "weighted_beta",
                "value": 0.88000000000000000444089209850062616169452667236328125,
                "tone": "good"
            },
            {
                "id": "macro_alignment",
                "value": 0.299999999999999988897769753748434595763683319091796875,
                "tone": "risk"
            },
            {
                "id": "lens_confidence",
                "value": 46.2999999999999971578290569595992565155029296875,
                "tone": "risk"
            }
        ],
        "suggestions": [
            {
                "tone": "risk",
                "code": "reduce_single_position",
                "ticker": "AAPL",
                "weight_pct": 40,
                "target_pct": 30,
                "risk_level": "medium"
            },
            {
                "tone": "warn",
                "code": "increase_diversification",
                "effective_positions": 4.5999999999999996447286321199499070644378662109375
            },
            {
                "tone": "risk",
                "code": "lower_sell_exposure",
                "sell_pct": 30
            },
            {
                "tone": "warn",
                "code": "hold_higher_cash_buffer",
                "cash_pct": 26.300000000000000710542735760100185871124267578125,
                "invested_pct": 73.7000000000000028421709430404007434844970703125,
                "deployment_speed": "gradual"
            },
            {
                "tone": "warn",
                "code": "expand_factor_coverage",
                "missing_weight_pct": 100
            },
            {
                "tone": "warn",
                "code": "lower_forward_confidence",
                "lens_confidence": 46.2999999999999971578290569595992565155029296875
            }
        ],
        "portfolio_input": {
            "cash_balance": 0,
            "holdings_value": 100000,
            "total_value": 100000,
            "cash_pct": 0,
            "invested_pct": 100,
            "missing_tickers": []
        }
    }
}

PORTIQA outputs are quantitative analysis for informational purposes only and do not constitute investment advice. See the financial disclaimer.

More example portfolios

Concentration · 7 holdings

Berkshire-Inspired Example Portfolio, Scored

The portfolio

Solid, with specific things to tighten.

Component scores

What to look at first

Holdings

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