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A tech-heavy treasure trove with a side of dividends and a sprinkle of adventure

Report created on Jul 20, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is like a buffet where you loaded up on tech stocks and then remembered you should probably have some veggies, so you grabbed a little bit of everything else on the way out. With 40% in a total stock market ETF, you've got the base covered, but then it's tech, tech, and more tech. Adding a single company stock like Rocket Lab is like throwing a dart blindfolded – it could be a bullseye or a total miss. Broadly diversified? More like narrowly missing a tech bubble burst.

Growth Info

With a CAGR of 16.15%, you've been riding the Silicon Valley wave like a pro surfer. But let's not forget, even the best waves crash. That -29.94% max drawdown is a stark reminder that tech stocks can go from hero to zero faster than you can say "market correction." And those 19 days making up 90% of returns? That's not investing; that's gambling on a few good days. Let's aim for more consistent gains rather than betting on the market's mood swings.

Projection Info

Monte Carlo simulations are like weather forecasts for your portfolio, and yours is showing a chance of showers with potential hurricanes. Sure, the median projection is over 1000%, which sounds great if we ignore the volatility. With 5% of scenarios ending in what looks like a tech crash diet, there's a real risk of your portfolio slimming down too much. Diversification beyond tech might be the umbrella you need.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Stocks, stocks, and more stocks with a token 1% in cash. This portfolio is like going to a buffet and only eating dessert. Yes, it's delicious, but where's the balance? A sprinkle of bonds or real estate could add some much-needed fiber to your investment diet, helping smooth out those stock market jitters.

Sectors Info

  • Technology
    46%
  • Financials
    11%
  • Industrials
    10%
  • Consumer Discretionary
    7%
  • Health Care
    7%
  • Telecommunications
    5%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    2%

The portfolio's tech addiction is glaring, with almost half of your assets betting on Silicon Valley. It's like having a diet consisting mainly of energy drinks; it might feel good now, but it's not sustainable. The smattering across other sectors seems more like an afterthought. It's time to diversify your diet before the tech bubble gives you indigestion.

Regions Info

  • North America
    79%
  • Europe Developed
    9%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Japan
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 79% in North America, you're missing out on the global feast. Europe, Asia, and emerging markets are like the exotic dishes you've been too scared to try. Yes, there's comfort in home cooking, but there's a world of flavors out there. Don't let home bias keep you from potentially higher returns and better diversification.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    35%
  • Mid-cap
    17%
  • Small-cap
    5%
  • Micro-cap
    2%

Your portfolio leans heavily towards the giants with a 40% allocation in mega-caps. It's like always betting on the heavyweight champion; sure, they're tough, but even they can get knocked out. A more balanced approach, including some welterweights (medium caps) and even a few featherweights (small caps), could give you agility and access to growth you're currently missing.

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.

Your portfolio's risk vs. return profile is like a roller coaster that's fun until it isn't. The heavy tech exposure offers thrilling highs but stomach-churning drops. Balancing your investments across different asset classes and sectors could transform your portfolio from a wild ride into a smoother journey, possibly with better long-term results.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.80%
  • VanEck Semiconductor ETF 0.40%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.48%

The dividend yield is like the portfolio's safety net, but at 1.48%, it's a net with some holes. The tech focus means you're sacrificing steady income for growth. It's a trade-off, sure, but in stormy markets, a stronger dividend strategy could be the anchor you need.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.08%

At least you're not bleeding money on fees, with a total TER of 0.08%. It's one of the few areas where your portfolio doesn't need a life jacket. Keep clinging to those low-cost ETFs like a life raft; they're what's keeping your portfolio's head above water.

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