Last checked 3 September 2026
Asset allocation is the division of a portfolio across asset classes such as equities, bonds, property, cash and alternatives, expressed as a percentage of the total.
Allocation is a description of concentration and therefore of risk. A net worth that is 90% one company's shares and a net worth that is 90% a single house are both concentrated, differently, and the percentage is what makes that visible.
For personal net worth rather than a pure investment portfolio, the awkward assets are the ones that dominate: a primary residence is usually the largest line and is simultaneously an asset, a leveraged position and a place to live. Many people track allocation twice — once including the house, once excluding it — because the two views answer different questions.
The practical value of tracking it is noticing drift. An allocation set deliberately at 70/30 becomes something else after a few years of uneven returns, and nobody decides to let that happen; it happens by not looking.
selftickr turns your net worth into a stock — a symbol, a daily change, a rating and a chart. Manual entry, no bank connection, private until you decide otherwise.
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