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A portfolio that loves tech and healthcare like a millennial loves avocado toast

Report created on Aug 3, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

At first glance, this portfolio screams "I only eat at trendy places" with its heavy lean on tech and healthcare. With 40% in a total stock market ETF, you'd think there's some diversification. But then, bam, 30% in QQQ (hello, tech obsession) and 20% in global healthcare, topped off with a 10% sprinkle of growth stocks. It's like ordering a diverse tasting menu but ending up with four variations of truffle fries.

Growth Info

The historical performance boasts a CAGR of 14.55%, which sounds impressive until you realize it's like being the fastest runner in a neighborhood jog. Sure, you're doing well, but when you account for the -30.91% max drawdown, it's clear this portfolio has seen some spills. It's akin to a roller coaster that's thrilling until you're upside down, questioning your choices.

Projection Info

Monte Carlo simulations suggest a wide future performance range, with a 5th percentile at a dismal 89.8% loss and a median at a 490% gain. This is the investment equivalent of saying, "You might end up a millionaire or living in a van down by the river." With 994 out of 1,000 simulations positive, it's optimistic but remember, Monte Carlo is like weather forecasting for investments; it's educated guessing, not prophecy.

Asset classes Info

  • Stocks
    100%

With 100% stock, this portfolio has the asset class diversity of a kid's menu — simple and predictable. Stocks are great, but without bonds, real estate, or even a hint of commodities, it's like wearing shorts in a snowstorm because they're your favorite attire; sometimes, you need to adjust to conditions.

Sectors Info

  • Technology
    33%
  • Health Care
    26%
  • Consumer Discretionary
    10%
  • Telecommunications
    10%
  • Financials
    6%
  • Industrials
    5%
  • Consumer Staples
    4%
  • Energy
    1%
  • Utilities
    1%
  • Real Estate
    1%
  • Basic Materials
    1%

Sector allocation is like having a diet consisting mainly of carbs and protein; it's heavy on technology (33%) and healthcare (26%), with a side of consumer cyclicals and communication services. It's missing out on the full nutritional pyramid of the investment world, leaving it vulnerable to sector-specific indigestions.

Regions Info

  • North America
    93%
  • Europe Developed
    5%
  • Japan
    1%

Geographically, this portfolio is almost shouting "America First" with a 93% allocation to North America. It's like planning a world tour but only visiting Canada and the U.S. Sure, you've seen some sights, but what about the Eiffel Tower or the Great Wall? A little more passport stamping wouldn't hurt for global exposure.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    35%
  • Mid-cap
    15%
  • Small-cap
    3%
  • Micro-cap
    1%

Market cap-wise, this portfolio loves the big players, with 45% in mega and 35% in big caps. It's like only watching blockbuster movies and ignoring indie films; you're missing out on some potentially rewarding experiences (and returns) by not venturing into the medium, small, or micro-cap territories.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Invesco QQQ Trust
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation between the Vanguard Growth, Invesco QQQ, and Vanguard Total Stock Market ETFs is like owning three different brands of running shoes; they might look slightly different, but they all do the same thing. Diversification means adding a bike or a swimsuit to your training, not just more shoes.

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 efficiency, or lack thereof, is like trying to fit a square peg into a round hole. It's heavy on overlap and light on diversification, which is a fancy way of saying, "You're putting too many eggs in one basket." Before dreaming of optimization, let's talk about not duplicating efforts with those highly correlated assets.

Dividends Info

  • iShares Global Healthcare ETF 1.70%
  • Invesco QQQ Trust 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Weighted yield (per year) 1.01%

With a total yield of 1.01%, this portfolio's dividend strategy is like tipping 1% at a restaurant — technically, you're doing something, but it's not enough to be meaningful. The low dividend yield might be fine for growth-focused investors, but don't expect these payouts to fund a lavish retirement anytime soon.

Ongoing product costs Info

  • iShares Global Healthcare ETF 0.42%
  • Invesco QQQ Trust 0.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.16%

On the bright side, the total expense ratio (TER) of 0.16% is commendably low, like finding a high-quality, yet affordable, bottle of wine. It's a reminder that sometimes, the best things in life (or investing) don't have to cost a fortune. Kudos for keeping costs in check amidst the chaos.

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