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A portfolio that thinks diversity is just a word in the dictionary

Report created on Aug 20, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Diving into this portfolio is like walking into a buffet and realizing it’s just fifty shades of chicken. With nearly 70% of your assets in just two flavors of U.S. equities, it's like betting on the same horse in two different races and expecting a different outcome. The overconcentration in a few ETFs and funds that track similar indices is like wearing two belts and expecting to be twice as secure. It’s redundant and doesn’t add value but sure does make for a confusing look.

Growth Info

Historically, this portfolio has had the grace of a bull in a china shop with a Compound Annual Growth Rate (CAGR) of 13.39% and a max drawdown that would make even the bravest investor's knees wobble at -33.73%. It's like riding a roller coaster blindfolded; thrilling, but you might throw up. The days that make up 90% of returns being a mere 32 suggests that timing the market here is akin to catching lightning in a bottle - mostly luck and not a strategy.

Projection Info

Monte Carlo simulations suggest a future where this portfolio could either be a modest hero or a zero, with projections wider than the Grand Canyon. The key percentiles are a testament to the portfolio's volatility, suggesting that while you might end up sipping margaritas on a yacht, there's also a not-so-slim chance you'll be rowing a dinghy. The simulations, while useful, are as predictive as a fortune cookie — they're based on past performance, which, as we all know, is as reliable as a weather forecast.

Asset classes Info

  • Stocks
    100%

If asset classes were a party, this portfolio shows up with only stocks, making it a pretty dull gathering. It's like bringing only salt to a potluck and wondering why nobody's excited about your dish. A 100% allocation to stocks screams, "I love roller coasters!" but forgets that even the best rides need some downtime. A little bond action or perhaps a sprinkle of alternatives might not only spice things up but could also save the day when the stock market decides to play dead.

Sectors Info

  • Technology
    19%
  • Financials
    13%
  • Consumer Staples
    12%
  • Health Care
    12%
  • Energy
    11%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    7%
  • Basic Materials
    2%
  • Consumer Discretionary
    2%
  • Utilities
    1%
  • Real Estate
    1%

Sector allocation is like playing darts blindfolded; there's a strategy, but it's hard to see. With heavy bets on technology and financial services, this portfolio is wearing rose-tinted glasses, enamored with sectors that have shone in the past. However, the underappreciation for diversification across sectors like utilities or real estate is like ignoring vegetables in your diet — it might not hurt now, but future you might have some regrets.

Regions Info

  • North America
    85%
  • Europe Developed
    7%
  • Japan
    2%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

The geographic allocation is like saying, "I love to travel!" but only ever visiting your neighbor's house. With a whopping 85% in North America, it's clear there's a fear of venturing into the unknown. The token nods to developed Europe and a sprinkle in Asia feel like afterthoughts. It’s a big world out there, and limiting exposure so heavily to one region is like using a map where X marks only your backyard.

Market capitalization Info

  • Large-cap
    44%
  • Mid-cap
    26%
  • Mega-cap
    23%
  • Small-cap
    5%
  • Micro-cap
    1%

The market capitalization mix is like having a friend group composed entirely of middle-aged accountants named Bob. Sure, it's stable and reliable, but where's the excitement? A 44% big, 26% medium, and a timid sprinkle of small and micro-caps doesn't scream "balanced." It's like playing it safe by wearing elbow pads and a helmet to bed — unnecessary and uncomfortable.

Redundant positions Info

  • Fidelity 500 Index Fund
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The correlation between the Fidelity 500 Index Fund and Vanguard Total Stock Market Index Fund ETF Shares is like having twins in the same class and expecting different grades. They move so closely together that if one sneezes, the other says "bless you." This lack of diversification is like putting all your eggs in one basket, then realizing the basket is made of paper. It's a risky move that offers little in the way of benefits.

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 risk vs. return optimization is like trying to balance on a seesaw alone; it's possible, but you're going to look silly doing it. The heavy overlap and lack of true diversification mean it's far from efficient. It's akin to packing for a vacation by bringing ten pairs of shoes but no clothes. Sure, you're prepared for a foot fashion show, but good luck with everything else.

Dividends Info

  • Fidelity 500 Index Fund 0.90%
  • iShares Core MSCI Total International Stock ETF 2.90%
  • Schwab U.S. Dividend Equity ETF 3.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 2.62%

On the bright side, the portfolio’s dividend yield is like finding a $20 bill in your winter coat from last season — a pleasant surprise but not something you should rely on for income. With an overall yield of 2.62%, it's decent but considering the heavy equity concentration, it's more of a consolation prize than a strategy. It’s like getting a ribbon for participation; nice, but not the trophy you were hoping for.

Ongoing product costs Info

  • Fidelity 500 Index Fund 0.02%
  • iShares Core MSCI Total International Stock ETF 0.07%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.05%

The costs are like finding a needle in a haystack — surprisingly low and actually a pleasant surprise. With a Total Expense Ratio (TER) of 0.05%, it's one area where this portfolio doesn't shoot itself in the foot. It’s like finding out the gourmet meal you’ve been enjoying actually comes at a fast-food price. Kudos for keeping costs in check, but let's not forget that even a cheap ride can go off the rails.

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