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A tech-heavy, America-or-bust portfolio that thinks diversification is a town in Siberia

Report created on Aug 11, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is like a three-legged stool where two legs are essentially the same wood, and the third is a bit shorter. With 70% in the Vanguard Growth Index Fund, 20% in the Vanguard Total Stock Market Index ETF, and a 10% sprinkle of the John Hancock Mid Cap Growth Fund, it's like betting on red twice and green once in roulette. The growth focus is clear, but the overlap between the Vanguard funds is like wearing two raincoats in light drizzle – redundant and uncomfortably warm.

Growth Info

Historically, this portfolio has done a decent impersonation of a roller coaster, with a Compound Annual Growth Rate (CAGR) of 12.49% and a stomach-churning max drawdown of -34.31%. It's like having a great year at work but then finding out your bonus is tied to the success of a single project that had a spectacular meltdown.

Projection Info

Monte Carlo simulations suggest a future where this portfolio could either give you a modest villa or leave you couch surfing, with a 5th percentile outcome at -43.3% and a 50th percentile at a more comforting 160.7%. Remember, Monte Carlo is less about predicting fortunes and more about outlining the realm of possibility – from "yacht owner" to "yacht cleaner" scenarios.

Asset classes Info

  • Stocks
    90%

With 90% in stocks and a mysterious absence of any other asset class, this portfolio is like a diet consisting entirely of steak. It's tasty but nutritionally questionable over the long term. A sprinkle of bonds or real estate might not only balance the meal but also prevent indigestion when the stock market gets upset.

Sectors Info

  • Technology
    41%
  • Telecommunications
    11%
  • Consumer Discretionary
    10%
  • Financials
    7%
  • Health Care
    6%
  • Industrials
    5%
  • Consumer Staples
    2%
  • Consumer Discretionary
    2%
  • Real Estate
    2%
  • Energy
    1%
  • Basic Materials
    1%

The tech sector's 41% stranglehold on this portfolio is like having your entire fantasy team from one real-life team – a great idea until they hit a losing streak. And with communication services and consumer cyclicals following suit, it's like betting on the same horse in three different races.

Regions Info

  • North America
    90%

With 90% of assets in North America, this portfolio screams "home bias" louder than an American cheering for their team at the Olympics. While patriotic, it's financially akin to only shopping at the local store because you're buddies with the owner – comfortable but potentially costly.

Market capitalization Info

  • Mega-cap
    54%
  • Large-cap
    22%
  • Mid-cap
    12%
  • Small-cap
    1%

Mega-caps dominate at 54%, making this portfolio seem like it has a superhero complex – it believes only the biggest and strongest can save the day. However, even superheroes need a support team, suggesting a bit more love for small and mid-caps wouldn't go amiss.

Redundant positions Info

  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation between the Vanguard funds is like buying two different brands of plain yogurt and expecting a taste difference. It's a missed opportunity for true diversification, akin to wearing two left shoes and wondering why the walk feels odd.

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.

The portfolio's current state is like insisting on using a flip phone in an era of smartphones – it works, but you're missing out on efficiency. Moving towards a more diversified, less correlated mix could elevate performance from "good" to "great," without necessarily cranking up the risk dial.

Dividends Info

  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 0.45%

With a total yield of 0.45%, this portfolio isn't going to fund a lavish retirement on dividend income alone. It's like owning a lemonade stand that only opens on rainy days – not exactly a cash cow.

Ongoing product costs Info

  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.05%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.04%

On a brighter note, the total expense ratio (TER) of 0.04% is impressively low, showing that at least the portfolio isn't bleeding money on fees. It's the one area where being cheap pays off, like finding a designer suit at a thrift store.

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