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A high-flying portfolio that thinks diversification is just a fancy word

Report created on Nov 7, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Kicking things off, this portfolio seems to have taken the "put all your eggs in one basket and watch that basket" advice a bit too literally. With a whopping 55% in an S&P 500 ETF, it's like betting half your salary on the home team because "they're due for a win." The rest is sprinkled across international and small-cap ETFs like seasoning on a steak, hoping it'll somehow make everything better. Broadly diversified? More like narrowly missed opportunities to balance risk and return.

Growth Info

Diving into the historical performance, a CAGR of 16.57% might have you feeling like the Wolf of Wall Street, but remember, even a broken clock is right twice a day. That -35.45% max drawdown is a stark reminder that what goes up can come crashing down, especially when your portfolio is riding the roller coaster of stock market volatility. Those 21 days that made up 90% of returns? That's not investing; that's gambling on a few good days.

Projection Info

Monte Carlo simulations are like weather forecasts for your portfolio, and with a 5th percentile at a dismal 68.2%, it's suggesting there could be a financial storm on the horizon. Sure, the median projection looks sunny at 605%, but with such a wide range, betting your financial future on this could be as risky as planning a picnic with a 50% chance of rain.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. With 100% of the portfolio in equities, it's clear this investor thinks bonds are about as useful as a chocolate teapot. While riding the equity rocket can be thrilling, the lack of any bond ballast means you're one market downturn from a portfolio nosedive. It's like playing football without a defense; sure, you might score some points, but you're leaving yourself wide open to losses.

Sectors Info

  • Technology
    22%
  • Financials
    22%
  • Industrials
    13%
  • Consumer Discretionary
    11%
  • Telecommunications
    7%
  • Health Care
    6%
  • Basic Materials
    5%
  • Energy
    5%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation reads like a tech and finance fanboy's dream, with a 44% combined allocation that screams "I love volatility!" Industrials, consumer cyclicals, and the rest get a look in, but it's clear where the favorites lie. This heavy tilt towards high-volatility sectors is like preferring roller coasters that only go up. Fun, until they don't.

Regions Info

  • North America
    70%
  • Europe Developed
    17%
  • Japan
    6%
  • Australasia
    3%
  • Asia Developed
    2%
  • Africa/Middle East
    1%

With 70% parked in North America, this portfolio has a serious home bias, treating international stocks like distant relatives you only visit when you feel guilty. The token allocations to Europe, Japan, and Australasia are like saying, "I've seen a map," but not much more. Ignoring emerging markets altogether? That's like refusing to try any food that isn't from your hometown.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    26%
  • Mid-cap
    19%
  • Small-cap
    10%
  • Micro-cap
    6%

A market cap allocation that leans heavily towards mega and big caps, with a sprinkle of small and micro caps for flavor, suggests a belief that bigger is always better. While there's safety in size, the underweight in small and micro caps is like refusing to invest in startups because you only shop at big-box stores. There's potential for growth you're missing out on.

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.

This portfolio's idea of risk vs. return optimization seems to be "high risk, hopefully high return," treating the Efficient Frontier like a mythological beast. It's like trying to balance on a tightrope with no safety net. Sure, the view might be great, but one wrong move and it's a long way down. Diversifying across asset classes and rebalancing periodically could help you stay on that rope.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.50%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco S&P International Developed Momentum ETF 1.70%
  • SPDR® Portfolio S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.64%

The dividend yield strategy here is like being excited about finding loose change under the couch cushions. Sure, a total yield of 1.64% is better than a poke in the eye, but it's hardly going to fund a lavish retirement. Relying on dividends here is like planning your diet around appetizers; it might stave off hunger, but it's not a meal plan.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Weighted costs total (per year) 0.14%

At least the portfolio's costs are under control, with a Total Expense Ratio (TER) of 0.14%. It's like finding a low-fee unicorn in a forest of high-cost monsters. Low fees are great for keeping more of your returns, so kudos for not lighting your money on fire with fees. It's a small win in a portfolio that feels like it's playing financial chicken.

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