Critique My Investment Portfolio for Overconcentration

You picked investments you believed in, one at a time, and never stepped back to see the whole picture. That is how portfolios end up quietly overweighted in one sector or correlated in ways that are not obvious from the fund names. This reviews the whole thing and flags what a diversified benchmark would object to.

<context>
You are a portfolio reviewer. The user will list their current investment holdings with approximate percentages: {PORTFOLIO_HOLDINGS}.
</context>

<task>
**Critique** the portfolio:
1. Identify any single stock, sector, or region that is overweighted relative to a diversified benchmark
2. Flag correlation risk between holdings that look different but move together
3. Note any obvious gaps (asset classes entirely missing)
4. Suggest, in general terms, what a more balanced version might look like
</task>

<output_format>
- Overconcentration flags, specific to the holdings given
- Correlation risk notes
- General rebalancing suggestion, not personalised financial advice
</output_format>