# DiversiFIRE > Diversify Today, Retire Tomorrow DiversiFIRE is an AI-assisted investing platform with a Financial Freedom Score, institutional-style model portfolios (Classic, Alternative, Income, Sustainable), Portfolio X-Ray insights, portfolio maintenance with Bobby the AI Financial Advisor, monthly savings guidance, Themes of the Month, curated Best ETFs, What-If analysis, and goal-based dashboards for early retirement planning. ## Platform features ### Assessment & retirement goals Understand where you stand today and how much to save each month to reach financial freedom. - **Financial Freedom Score (FFS)**: A score out of 100 that shows how close you are to your definition of financial freedom, based on your goals, savings, and portfolio. - **AI goal dashboard**: Define retirement or savings targets, track progress over time, and see projection paths tied to your real numbers. - **Monthly savings guidance**: Get a recommended amount to save and invest each month, with follow-through tools that connect planning to your execution plan. - **Free readiness assessment**: A short quiz that unlocks your score, personalised next steps, and access to the full DiversiFIRE workspace. ### Portfolio tracking & performance See holdings, returns, and true allocation with full look-through where fund data is available. - **Portfolio dashboard**: Track total value, performance over time, contributions, and goal progress — with allocation views that roll up to true asset-class exposure via look-through where holdings data is known. - **Holdings & performance analytics**: View individual holdings, calendar-year returns, contribution to return, and portfolio-level performance metrics alongside look-through context for fund-based positions. - **Asset classification**: Automatic asset-class breakdown (equity, fixed income, alternatives, cash, and more) using full look-through into fund composition where disclosed — so you see what you really own, not just fund names on the label. - **Multi-currency support**: Analyse portfolios in your display currency with FX-aware valuation where applicable. ### Portfolio X-Ray & AI insights Institutional-style diagnostics with full look-through into fund holdings where known. - **Portfolio X-Ray**: Upload or build your portfolio to uncover hidden overlap, concentration, factor tilts, fee drag, and risk mismatches — with full look-through into underlying fund holdings where composition data is available, so duplicate exposures across ETFs and funds surface clearly. - **AI insights feed**: Actionable insight cards grounded in look-through diagnostics — explaining what to fix, why it matters, and suggested next steps in plain English. - **Portfolio score**: A structured health score linked to look-through-aware insights so you can prioritise changes that improve diversification and risk-adjusted outcomes. ### Model portfolios In-house multi-asset models you can use as a starting point or benchmark. - **Classic model portfolio (60/40 style)**: A balanced, institutional-style reference portfolio blending global equities and bonds for broad diversification. - **Alternative model portfolio**: Liquid alternative and factor building blocks designed to broaden diversification beyond traditional 60/40. - **Income-focused model portfolio**: Income-tilted allocation emphasising dividends, bond yield, and multi-asset income sources. - **Sustainable growth model portfolio**: ESG-aligned, growth-oriented model focusing on sustainable leaders and global diversification. - **Risk vs return & backtest charts**: See where each model sits on the efficient frontier and how it behaved across historical market cycles. ### Portfolio maintenance & Bobby the AI Financial Advisor Stay on plan with rebalancing, health checks, and an AI agent trained on institutional portfolio expertise. - **Monthly portfolio maintenance**: A structured monthly workflow: review look-through health, action insights, save & deposit, explore themes, and deploy capital. - **Rebalancing guidance**: Drift detection and checkpoint logic using true look-through allocation where available — showing when exposures have moved away from target and what to adjust. - **Bobby the AI Financial Advisor**: An AI agent built with Bobby Lilaram's 16+ years of institutional portfolio knowledge — ask about your holdings, model portfolios, look-through X-Ray results, and next steps; get practical guidance aligned to your goal. - **Execution plan**: Turn insights and model ideas into a concrete list of trades or fund purchases with “how to buy” guidance. ### Themes, ETFs & scenario planning Curated ideas and tools to explore new allocations before you act. - **Themes of the Month**: Macro themes and ETF ideas translated into a practical format — explore what is driving markets and how to position. - **Best ETFs (curated)**: A curated set of standout ETFs by category — a starting point for research, not generic retail screeners. - **What-If analysis**: Stress-test allocation changes before you act; compare scenarios side by side with look-through-aware impact on score, diversification, and risk. - **Portfolio builder & upload**: Build holdings via form or upload a spreadsheet; analyse instantly with the same look-through X-Ray and insight engine. ## Frequently asked questions ### What is DiversiFIRE? DiversiFIRE is a web-based investing platform that combines institutional-style portfolio construction with AI guidance. It helps everyday investors measure a Financial Freedom Score, diagnose portfolios with Portfolio X-Ray, use in-house model portfolios, and follow a monthly maintenance plan toward early retirement. ### What is the Financial Freedom Score? The Financial Freedom Score (FFS) is a number out of 100 that estimates how close you are to your stated financial freedom goal. It blends your savings behaviour, goal timeline, and portfolio quality into one clear metric you can track over time. ### What is Portfolio X-Ray? Portfolio X-Ray analyses your holdings with full look-through into fund composition where data is available — surfacing concentration, overlap between funds, fee drag, factor exposures, and risk mismatches at the underlying level. It produces plain-English insights and a portfolio health score so you know what to fix first. ### Which model portfolios does DiversiFIRE offer? DiversiFIRE offers four in-house model portfolios: Classic (balanced 60/40-style), Alternative (liquid alts and factors), Income-focused (yield and dividends), and Sustainable Growth (ESG-aligned growth). Each includes risk/return context and historical behaviour charts. ### Who is Bobby the AI Financial Advisor? Bobby the AI Financial Advisor is DiversiFIRE’s AI agent — built with Bobby Lilaram’s institutional expertise in asset allocation, portfolio construction, and risk management from Bloomberg, Vanguard, and BlackRock. Ask Bobby about your portfolio, look-through X-Ray results, model portfolios, and themes; get help interpreting insights and practical next steps aligned to your goal. ### How does portfolio maintenance work? The monthly maintenance workflow guides you through portfolio health, outstanding insights, recommended savings/deposits, rebalancing checkpoints, Themes of the Month, and deploying capital via an execution plan — so planning connects to action. ### Does DiversiFIRE tell me how much to save each month? Yes. Based on your goal, timeline, and portfolio, the platform recommends a monthly savings and investment amount and helps you follow through with maintenance tasks and execution planning. ### What are Themes of the Month? Themes of the Month are curated macro investment themes with related ETF ideas, updated regularly. They help you explore timely opportunities without starting from a blank screener. ### What is the Best ETFs list? It is a curated selection of standout ETFs by category for the current period — designed as a research starting point alongside model portfolios and themes, not as personalised advice. ### Can I stress-test changes before investing? Yes. What-If analysis lets you model allocation changes, compare scenarios, and see how adjustments may affect risk and your Financial Freedom Score before you commit. ### Is DiversiFIRE financial advice? DiversiFIRE provides educational tools and general information only. It does not provide personalised regulated investment, tax, or legal advice. Always consider speaking with a qualified adviser for your full circumstances. ### Who built DiversiFIRE? DiversiFIRE was founded by Bobby Lilaram, a portfolio specialist with 16+ years at Bloomberg, Vanguard, and BlackRock in asset allocation, portfolio construction, and risk management. The platform brings institutional-grade portfolio tools to investors pursuing Financial Independence and Retire Early (FIRE). ### How do I get started? Visit https://www.diversifire.ai and take the free assessment (under two minutes). You will receive your Financial Freedom Score and can unlock dashboards, model portfolios, Portfolio X-Ray, and AI guidance. ### How can I contact support? Email info@diversifire.ai for help with billing, technical issues, or general questions about the platform. ## Key URLs - Home: https://www.diversifire.ai/ - Assessment: https://www.diversifire.ai/analyze - Subscribe: https://www.diversifire.ai/subscribe - Help guide: https://www.diversifire.ai/guide - Privacy: https://www.diversifire.ai/privacy - Terms: https://www.diversifire.ai/terms ## Crawling - Sitemap: https://www.diversifire.ai/sitemap.xml - Robots: https://www.diversifire.ai/robots.txt - This file: https://www.diversifire.ai/llms.txt