This page explains what the score measures, where the observations come from, and why the output should be treated as informational portfolio analysis rather than personalized advice.
Clarity estimates portfolio stability from a small set of observable signals: position concentration, asset-type concentration, diversification depth, liquidity, crypto exposure, and market-based volatility or drawdown when price history is available.
The Portfolio Stability Score is a rules-based MVP score out of 100. Penalties are applied when concentration, volatility, liquidity, or data-quality signals move outside the current reference ranges. Higher scores indicate that fewer of those signals are elevated.
Clarity uses internal heuristic reference bands for concentration, crypto weight, liquidity, and defensive allocation to organize its observations. These bands are product methodology choices, not personalized targets, model portfolios, suitability thresholds, or instructions for any account.
Analytics depend on saved holdings and third-party market data. Some holdings may lack reliable history, be manually classified, or use fallback values. When that happens, Clarity still shows observations but the precision of the reading is lower.
Clarity does not know your goals, time horizon, taxes, liabilities, outside assets, employer exposure, or risk tolerance. The output should be read as informational portfolio analysis rather than personalized investment, legal, tax, or brokerage advice.