This portfolio has only about 7 months of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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A high-octane growth portfolio that thinks diversification is just a buzzword

Report created on Aug 2, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio looks like someone tried to diversify by picking every large-cap ETF in sight and then sprinkled in some high-dividend and tech options for "flavor". It's like making a salad and then deciding it's not complete without every dressing on the shelf. There's a fine line between diversifying and just collecting ETFs like Pokémon cards, and this portfolio crossed it while doing a victory lap.

Growth Info

With a CAGR of 11.23%, it seems like this portfolio has been hitting the gym regularly—solid, but not exactly the stuff of legends. However, that -18.63% max drawdown is like finding out your gym buddy skips leg day. It's a bit concerning, especially when you realize that 90% of your gains came from one magical day. This is less of a steady marathon and more of a sprint where you stumbled across the finish line by accident.

Projection Info

Monte Carlo simulations are like throwing your portfolio into a gladiator arena 1,000 times to see how often it survives. With projections swinging wildly from a 27.8% to 992.4% return, it's clear this portfolio rides the volatility rollercoaster without a seatbelt. Sure, 970 out of 1,000 simulations had positive returns, but banking on those odds feels like playing financial Russian roulette.

Asset classes Info

  • Stocks
    89%
  • Cash
    4%
  • Other
    3%

Stock-heavy with a sprinkle of cash and a dash of 'other', this portfolio is like a diet consisting mainly of steak. While delicious, it's not exactly balanced. A 0% bond allocation is the financial equivalent of skipping vegetables—sure, you might not miss them now, but you'll feel it later. Diversification across asset classes is crucial unless your retirement plan involves a lot of unnecessary stress and antacids.

Sectors Info

  • Technology
    31%
  • Telecommunications
    9%
  • Health Care
    9%
  • Financials
    8%
  • Consumer Discretionary
    8%
  • Industrials
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Consumer Discretionary
    2%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

With a whopping 31% in technology, this portfolio is so heavily invested in the future, it might as well have a time machine. The heavy tilt towards tech, with financial services and healthcare trailing behind, is like wearing a raincoat only on one arm; it sort of protects you, but not really. Diversifying across sectors is essential unless you enjoy the thrill of tech's boom-and-bust cycle a little too much.

Regions Info

  • North America
    85%
  • Europe Developed
    2%
  • Japan
    1%

This portfolio is so patriotic, it practically bleeds red, white, and blue, with 85% allocated to North America. The minimal exposure to international markets is like refusing to eat any food that isn't from your hometown diner. Sure, it's comfortable, but there's a whole world of flavors (and returns) you're missing out on.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    30%
  • Mid-cap
    15%
  • Small-cap
    4%
  • Micro-cap
    2%

With a heavy lean towards mega and big caps, this portfolio is like hanging out with the popular crowd at school—safe, but kind of boring. The small and micro caps are like the quirky friends you see once in a blue moon. A more balanced market cap allocation could add some excitement without too much drama.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Invesco S&P 500® Momentum ETF
    SHP ETF Trust - NEOS S&P 500 High Income ETF
    Invesco NASDAQ 100 ETF
    NEOS Nasdaq 100 High Income ETF
    SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES
    SPDR® Portfolio S&P 500 ETF
    Global X Artificial Intelligence & Technology ETF
    VANGUARD 500 INDEX FUND ADMIRAL SHARES
    NEOS Russell 2000 High Income ETF
    High correlation
  • Fidelity Wise Origin Bitcoin Trust
    BTCI
    High correlation

The high correlation among assets here is like having a group of friends who all have the same opinion. Sure, it's harmonious, but when they're wrong, they're all wrong together. Diversifying into assets that don't move in lockstep can help cushion the blow when the market takes a dive.

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 trying to win a race with a car that's only firing on half its cylinders. The recommendation to remove overlapping assets isn't so much a tune-up as it is a fundamental rethink of the entire engine. Aiming for a 30.77% expected return without addressing the glaring redundancy issues is like putting premium fuel in a clunker and expecting it to win a drag race.

Dividends Info

  • Global X Artificial Intelligence & Technology ETF 0.10%
  • NEOS Nasdaq 100 High Income ETF 14.20%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 12.20%
  • SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 2.80%
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES 1.20%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 0.90%
  • BTCI 18.10%
  • NEOS Russell 2000 High Income ETF 15.80%
  • NEOS ETF Trust NEOS Real Estate 5.00%
  • Weighted yield (per year) 4.20%

The dividend strategy here is a bit like expecting a steady diet of fast food to be nutritious because you order a diet soda with your meal. High dividend yields from select ETFs are great, but when the rest of your portfolio is gorging on growth stocks with minimal yields, it's not exactly a balanced meal.

Ongoing product costs Info

  • Global X Artificial Intelligence & Technology ETF 0.68%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • NEOS Nasdaq 100 High Income ETF 0.68%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Invesco S&P 500® Momentum ETF 0.13%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 0.06%
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES 0.03%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 0.04%
  • NEOS Russell 2000 High Income ETF 0.68%
  • Weighted costs total (per year) 0.14%

With total TER at a modest 0.14%, at least the portfolio isn't bleeding money on fees. It's like finding a decently priced meal at a fancy restaurant—surprisingly affordable, given where you are. Still, with the mishmash of assets, one wonders if the savings are being offset by the lack of coherent strategy.

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