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A tech-heavy portfolio that forgot there are other sectors in the market

Report created on Aug 1, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

Diving into this portfolio, it's like stepping into a tech convention and realizing you accidentally spent all your money at the first booth. With 85% in Vanguard Information Technology Index Fund ETF Shares, it’s like putting almost all your eggs in one basket, then looking at the basket and saying, "This could use some more eggs." Sprinkling 10% on Invesco NASDAQ 100 ETF and 5% on Vanguard S&P 500 ETF doesn't really diversify; it just adds more of the same flavor. It's akin to diversifying your diet by eating different brands of potato chips.

Growth Info

With a CAGR of 18.93%, this portfolio's historic performance is like that one hit wonder song you can't get out of your head - impressive at first but not necessarily a sign of future success. The problem with past performance, especially when it's this good, is that it's like rearview mirror driving - great for knowing where you've been, but it won't keep you from driving off a cliff. And with a max drawdown of -34.53%, it's clear this portfolio isn't wearing a seatbelt.

Projection Info

Monte Carlo simulations are like fortune cookies at a casino, offering a glimpse into potential futures without any guarantees. For this portfolio, the range from a 117.9% to 1,153.6% increase in value across simulations shows more volatility than a soap opera plot twist. While 997 out of 1,000 simulations showed positive returns, remember, Monte Carlo is better at predicting the weather than guaranteeing your financial future. Betting the farm on this could leave you living in a tent on that very farm.

Asset classes Info

  • Stocks
    100%

Having 100% of your portfolio in stocks is like saying you love water sports so much that you’ve decided to live underwater. Sure, the returns can be breathtaking (literally, in this analogy), but so can the risks. Without any bonds, cash, or alternative investments to act as life rafts, you're banking on never hitting a storm. Diversification across asset classes isn't just financial advice; it's a survival tactic.

Sectors Info

  • Technology
    91%
  • Telecommunications
    3%
  • Consumer Discretionary
    2%
  • Industrials
    1%
  • Health Care
    1%
  • Financials
    1%
  • Consumer Staples
    1%

91% in technology makes this portfolio less diversified and more obsessed. It's like having a diet that consists entirely of pizza because you really like pizza. Sure, it's great until you need a vegetable. The minimal investments in communication services, consumer cyclicals, and the token gestures towards industrials, healthcare, and financial services are like remembering you also need to drink water sometimes. This tech addiction could lead to a nasty hangover during market downturns.

Regions Info

  • North America
    99%

With 99% of the portfolio in North America, it’s clear this portfolio believes 'international exposure' means taking a trip to the Canadian side of Niagara Falls. Completely ignoring Europe, Asia, Latin America, and emerging markets is like saying, "I’ve seen the world" because you've been to Epcot. Expanding geographic exposure could mitigate some of the home bias risk and offer a taste of global growth opportunities.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    27%
  • Mid-cap
    12%
  • Small-cap
    7%
  • Micro-cap
    3%

The focus on mega (52%) and big (27%) cap stocks shows a preference for the industry's Goliaths, while the smattering across medium, small, and micro caps is like throwing a few pebbles at David for good measure. This tilt towards the market's behemoths is safe to a degree but forgets that sometimes, David wins. Balancing market cap exposure can add resilience and growth potential outside the shadow of the giants.

Redundant positions Info

  • Vanguard Information Technology Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    High correlation

This portfolio's love affair with correlated assets is like buying three different brands of the same flavored ice cream. Vanguard Information Technology and Invesco NASDAQ 100 ETF are so closely intertwined that in a market downturn, they'll hold hands and jump together. Diversification means not just buying different things, but buying different things that don’t all move in the same direction during a storm.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

This portfolio's idea of optimization is like deciding you need a balanced diet, so you switch from regular to diet soda. With such a heavy overlap in highly correlated tech assets, it's not diversified; it's just doubling down on the same bet. Before even thinking about the Efficient Frontier, which is about finding the best risk-return mix, let's talk about not putting all your eggs in one sector-shaped basket.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 0.54%

With a total yield of 0.54%, this portfolio is not exactly a cash flow king. It's more like finding loose change in the couch cushions; it's nice, but you're not going to fund your retirement with it. Relying on dividends from such a growth-oriented, tech-heavy portfolio for income is like expecting a Chihuahua to pull a sled. It's not what it's built for.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.10%

The total TER of 0.10% is surprisingly reasonable, like finding a designer suit at a thrift store price. In a portfolio that's otherwise dressed for a gamble, the low costs are a welcome, if somewhat unexpected, sign of frugality. It seems you've managed to avoid paying a premium for your tech obsession, which is more than can be said for most.

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