Hugo reports two separate 0–100 concentration measures. Higher means more evenly spread.
Diversification Score
This score looks across asset classes such as Cash & savings, Stocks & ETF, Crypto, Real estate, Equity, Pension, Private credit, and Other tangible assets.
It uses a normalized Herfindahl-Hirschman concentration calculation. If all wealth is in one asset class, the score is 0. With no assets, Hugo uses a neutral 50.
Institution Concentration Score
This uses similar concentration math but groups financial products by bank or broker. Physical assets are excluded because they do not belong to a financial institution.
The card also identifies the institution holding the largest share and its percentage.
These scores measure distribution, not quality or suitability. Spreading value across categories or providers can increase a score without necessarily improving your real-world plan.