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Scan for outdated or missing drivers - takes under a minuteDriver Scan →Clear out junk files and repair common Windows errorsFree Scan →You can keep technology stocks in your portfolio while reducing dependence on AI-linked companies by diversifying the portfolio’s underlying exposures—not simply adding more funds. Start with what you already own, then consider whether you need broader exposure across industries, regions, investment styles, or asset classes. The right mix depends on your goals, time horizon, finances, and tolerance for losses; there is no universal allocation.
Start with your portfolio’s actual exposures
Count what your investments own and the risks they share, rather than counting funds. A broad U.S. stock-market fund may already hold substantial technology exposure. Adding another technology-heavy or large-growth fund can increase overlap instead of diversifying. The SEC’s Investor.gov explains that a mutual fund or ETF is not necessarily diversified if it is narrowly focused on one industry: Asset Allocation and Diversification.
Review your holdings by sector, company, geography, investment style, and asset class. Check fund documents for current holdings and weights: a fund’s name alone does not tell you how much exposure it adds or how its holdings overlap with investments you already have.
Choose what to diversify into
Diversifying beyond an AI-heavy portfolio does not require abandoning technology. It means deciding whether other exposures should play a larger role alongside it. Compare each possible addition by what it contributes, how much it overlaps with your existing holdings, and how it may behave relative to them. Correlations can change, so a different asset or market is not guaranteed to cushion a particular downturn. Vanguard discusses industries, asset classes, and correlation in its guide to portfolio diversification.
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Other industries
Exposure to sectors outside technology can reduce reliance on a single industry’s fortunes. Check whether a proposed fund actually broadens sector exposure; a fund that holds many companies may still be concentrated in one sector.
International equities
Shares in companies outside the United States can broaden geographic exposure. Non-U.S. investments also carry country, regional, and currency risks, so international exposure is not a risk-free substitute for U.S. stocks.
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Value-oriented equities
Value-oriented equities can provide a different investment-style exposure from growth-oriented technology holdings. Vanguard’s December 10, 2025 outlook identifies U.S. value-oriented equities as having a comparatively strong projected risk-return profile over five to ten years. That is Vanguard’s forecast, not a guarantee or an individualized recommendation.
High-quality fixed income
Fixed income changes the portfolio’s asset-class mix rather than simply adding another kind of stock. Vanguard’s 2026 outlook also identifies high-quality U.S. fixed income as having a comparatively strong projected risk-return profile over five to ten years. The outlook’s projections are hypothetical; they are not promised returns.
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Vanguard Investment Strategy Group published its 2026 outlook on December 10, 2025. For a five-to-ten-year horizon, it highlights high-quality U.S. fixed income, U.S. value-oriented equities, and developed markets outside the U.S. as having comparatively strong projected risk-return profiles. This is a relative outlook from Vanguard, not an expected-return figure, a guarantee, or a portfolio prescription for every investor. It does not establish that AI-related stocks will fall or that any one category is right for you.
Set an allocation you can maintain
Choose an allocation in light of your objectives, time horizon, financial circumstances, and ability to tolerate losses. The SEC’s Beginners’ Guide to Asset Allocation, Diversification, and Rebalancing explains how investors use allocation across and within asset categories. Neither that guidance nor the cited market outlook provides a universal target for someone seeking less AI exposure.
Then check whether your actual portfolio still matches the allocation you chose. Market movements can cause it to drift: Investor.gov gives an illustrative example in which stocks rise from 60% to 80% of a portfolio after market gains. Those figures demonstrate drift; they are not a recommended stock allocation. Rebalancing is one way investors bring an allocation back toward a chosen target. Consider account rules, taxes, trading costs, and current fund documents before making changes.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Use a practical comparison before adding a holding
- Exposure added: Identify the asset class, region, sector, company-size range, or investment style the holding contributes.
- Overlap: Compare its underlying holdings with your current funds, including whether it shares major companies or the same investment drivers.
- Role and risk: Consider whether it is intended to provide growth, income, or a different source of portfolio exposure; do not assume that low historical correlation guarantees protection in a future decline.
- Personal fit: Check the choice against your goals, time horizon, finances, and tolerance for losses.
- Implementation: Review current fund and account documents for expenses, tax consequences, trading considerations, and account restrictions. The sources cited here do not compare specific funds or their costs.
Diversification can reduce concentration risk, but it cannot ensure a profit or prevent a loss. Keep technology if it fits your plan; make the rest of the portfolio reflect more than one industry, market, style, or asset class where appropriate.
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