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A high-octane gamble in tech and clean energy with a side of diversification illusion

Report created on Aug 20, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

Your portfolio is like a sports car that's all engine and no brakes. With 40% in a single all-equity ETF and a staggering 20% in Nvidia alone, it's like you're flooring it on the highway while wearing a blindfold. The "highly diversified" tag is a bit of a stretch unless we're using the term very, very loosely. It's like calling a diet of pizza, pasta, and bread a "varied" diet because you sprinkled some parsley on top.

Growth Info

Boasting a CAGR of 22.15%, your portfolio screams "high risk, high reward." But with a max drawdown of -25.64%, it's clear this ride can get bumpy. It's like you've been winning at the casino but forgetting how quickly things can turn south. Remember, those 20 days that made up 90% of your returns? That's like betting it all on black and winning a few times. It's thrilling until it's not.

Projection Info

Monte Carlo simulations show a wild ride ahead, with a 5th percentile at 48.2% and a 50th at 1,079.5%. These numbers are like weather forecasts in a hurricane zone—prepare for anything. However, relying too heavily on simulations is like trusting a Magic 8-Ball for investment advice. They're based on past performance, which, as we know, is as reliable as a chocolate teapot.

Asset classes Info

  • US Equity
    23%
  • Stocks
    23%
  • Stocks
    20%

Diving into your asset classes, it's clear you have a thing for equities, with a whopping 66% in North America and a tech-heavy skew. It's like you've packed your portfolio for a summer holiday but only brought swim trunks and flip-flops. Sure, you're set for the beach, but what about when it rains?

Sectors Info

  • Technology
    45%
  • Utilities
    13%
  • Financials
    11%
  • Industrials
    9%
  • Consumer Discretionary
    5%
  • Telecommunications
    3%
  • Energy
    3%
  • Health Care
    3%
  • Basic Materials
    3%
  • Consumer Staples
    3%
  • Real Estate
    1%

With 45% in technology, it's clear you love your gadgets and gizmos. But when nearly half your portfolio is betting on one sector, it's like building a house with all the weight on one side; it might stand for now, but it's going to be a disaster when the storm hits. Diversification in sectors is like a balanced diet; too much of one thing is never a good idea.

Regions Info

  • North America
    66%
  • Asia Emerging
    11%
  • Europe Developed
    10%
  • Asia Developed
    5%
  • Latin America
    4%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

Your geographical spread is like a tourist who only visits the popular spots. With 66% in North America, you're missing out on the rich cultures (and market opportunities) found elsewhere. Emerging markets are like the hidden gems of travel—risky, but potentially rewarding. Broadening your horizons could be beneficial.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    26%
  • Mid-cap
    15%
  • Small-cap
    6%
  • Micro-cap
    1%

A 50% allocation to megacaps is like always flying first class: comfortable but costly. Sure, these companies are the titans of industry, but where's the adventure? Dabbling in smaller caps is like backpacking; it's riskier but can lead to the most memorable experiences (and returns).

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.

Your portfolio's risk-return profile is like a tightrope walker without a net. Sure, it's exciting, but one wrong step and it's game over. Striving for an efficient frontier is about balancing on that tightrope with a safety net. You've opted for the thrill over the security, which is fine, as long as you're aware of the potential plunge.

Dividends Info

  • Vanguard All-Equity ETF Portfolio 1.40%
  • BMO Clean Energy Index ETF 1.80%
  • BMO MSCI Emerging Markets Index ETF 2.20%
  • Weighted yield (per year) 1.14%

With a total yield of 1.14%, your portfolio isn't exactly a cash flow king. It's more like finding loose change under the couch cushions; nice to have, but not something to rely on. If you're looking for income, you might want to consider assets that work a bit harder for you.

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