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A tech-heavy portfolio that thinks diversification is a myth

Report created on Oct 15, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

This portfolio screams "I only believe in tech and big names." With 40% in the Vanguard S&P 500 ETF and a whopping 30% in the Invesco NASDAQ 100 ETF, it's like betting on the same horse twice. Then, for good measure, throwing another 10% at the Vanguard Information Technology Index Fund ETF Shares. It's the investment equivalent of only eating from the same three fast-food joints because you heard salads are risky.

Growth Info

With a CAGR of 20.91%, it's like your portfolio took a rocket ship, not considering the possibility of it running out of fuel mid-flight. The -33.11% max drawdown is a harsh reminder of what happens when your rocket ship hits an asteroid belt. Remember, past performance is like being the high school quarterback — it doesn’t guarantee success in the real world.

Projection Info

The Monte Carlo simulation, with its fancy 1,000 different future scenarios, suggests you might be swimming in coins like Scrooge McDuck or begging for spare change. With projections showing a 50th percentile ending up at 1,374.1% growth, it sounds dreamy, but remember, Monte Carlo is more Vegas gambling than science. It's all fun and games until reality checks in.

Asset classes Info

  • Stocks
    95%
  • Cash
    5%

This portfolio's asset class mix is like saying you're adventurous because you once tried spicy food. With 95% in stocks and a timid toe-dip of 5% in cash, it’s clear you’re not one to hedge your bets. Bonds? Never heard of them, apparently. This is the investment equivalent of wearing shorts in a snowstorm because you're "mostly warm."

Sectors Info

  • Technology
    45%
  • Industrials
    15%
  • Telecommunications
    9%
  • Consumer Discretionary
    8%
  • Financials
    5%
  • Health Care
    5%
  • Consumer Staples
    3%
  • Utilities
    1%
  • Energy
    1%
  • Basic Materials
    1%
  • Real Estate
    1%

With 45% in technology, it's like you've mistaken Silicon Valley for the entire economy. The remaining sectors are sprinkled around like seasoning, hardly enough to taste. It's a classic case of putting all your eggs in one basket and then asking the basket to hack the stock market.

Regions Info

  • North America
    93%
  • Europe Developed
    1%
  • Asia Emerging
    1%

With 93% in North America, this portfolio is the financial equivalent of someone who thinks traveling to Canada from the U.S. is an exotic trip. Europe and Asia get a token nod, but let's face it, this portfolio probably thinks "foreign investment" means buying a Toyota.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    38%
  • Mid-cap
    13%
  • Small-cap
    2%

The mega and big cap obsession here is like thinking the only good movies are blockbusters. Sure, Avengers was great, but ever heard of indie films? There's a whole world of medium, small, and micro-caps out there waiting to be discovered, potentially offering plot twists and returns you haven't even dreamed of.

Redundant positions Info

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

The love story between the Invesco NASDAQ 100 ETF and Vanguard Information Technology Index Fund ETF Shares is a tale as old as time, but in the financial world, this kind of relationship is called "redundancy." It's like buying two different brands of the same flavored ice cream; it tastes the same, just costs you more freezer space.

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 optimization analysis is like telling someone lost in the desert to drink more water. Sure, it’s helpful advice, but first, they need to find water. In this case, the water is diversification and not putting all your hopes and dreams into tech and big caps. A more efficient portfolio isn’t just about higher returns; it’s about not putting your financial future in a single, shaky basket.

Dividends Info

  • First Trust NASDAQ Cybersecurity ETF 0.20%
  • Invesco NASDAQ 100 ETF 0.50%
  • iShares® 0-3 Month Treasury Bond ETF 4.30%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vertiv Holdings Co 0.10%
  • Weighted yield (per year) 0.90%

The dividend yield here is like finding loose change under your couch cushions; it's nice to find but won't pay the bills. With a total yield of 0.90%, it’s clear that income generation is not this portfolio's game. It's all about growth, baby — until you need some cash flow, then it’s more like "growth, maybe?"

Ongoing product costs Info

  • First Trust NASDAQ Cybersecurity ETF 0.59%
  • Invesco NASDAQ 100 ETF 0.15%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.10%

The only place you’ve managed to show restraint is in the costs, with a TotalTER of 0.10%. It's like finding a designer suit at a thrift store price — a rare win in a world where paying more doesn’t always mean getting more. At least you’re not bleeding fees, so kudos for that silver lining.

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