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A portfolio that thinks diversification is a town in Texas

Report created on Sep 30, 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 love large caps and I cannot lie," with a whopping 70% in just one large cap index fund. It's like going to a buffet and only filling your plate with potatoes. Sure, you've sprinkled in some international flavor and a dash of tech spice with your ETF choices, but it's akin to adding pepper to those potatoes and calling it a meal. The lack of small and mid-cap exposure is a glaring omission, like forgetting to invite friends to your party.

Growth Info

Historical performance has been stellar, with a CAGR of 18.30%. But let's not get too carried away patting ourselves on the back. Remember, past performance is like relying on yesterday's weather forecast to plan your beach trip tomorrow. The high returns are primarily due to a tech-heavy bias and recent bull markets. Banking on this to continue is like expecting to win the lottery twice — possible, but don't bet your retirement on it.

Projection Info

The Monte Carlo simulation seems to be on a sugar high, projecting an annualized return of 23.67%. While those numbers might make you feel like a Wall Street whiz, remember, Monte Carlo is a simulation, not a prophecy. It's like assuming your drive to work will always be traffic-free because it was that one time at 5 AM on a Sunday. Market conditions change, and these projections could be as reliable as a weather forecast during hurricane season.

Asset classes Info

  • Stocks
    100%

Let's talk about your "diversified" portfolio, which is 100% stocks. That's not diversification; that's putting all your eggs in one basket and then sitting on the basket. It's like wearing shorts in a snowstorm because it was sunny yesterday. Including bonds, real estate, or even some commodities could help soften the blow when the stock market decides to throw a tantrum.

Sectors Info

  • Technology
    40%
  • Financials
    17%
  • Industrials
    8%
  • Telecommunications
    8%
  • Consumer Discretionary
    7%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%
  • Consumer Discretionary
    1%

With 40% in technology, it's clear you're betting big on Silicon Valley continuing to print money. While tech has been the golden child of the stock market, it's also as volatile as a toddler on a sugar rush. Diversifying across more sectors would be like adding vegetables to your diet; it might not be as exciting as tech stocks, but it's healthier for your portfolio in the long run.

Regions Info

  • North America
    85%
  • Europe Developed
    9%
  • Asia Developed
    3%
  • Japan
    1%
  • Australasia
    1%

Your portfolio is the equivalent of believing the world ends at the U.S. border, with a staggering 85% in North America. It's like traveling abroad and only eating at McDonald's. Emerging markets and other developed countries offer growth opportunities and diversification benefits that you're ignoring as if they were terms and conditions on a website.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    36%
  • Mid-cap
    15%

The mega and big cap love affair is strong in this portfolio, with a combined 84%. It's like only watching blockbuster movies and ignoring indie films because they don't have big-name actors. Small and mid-caps often offer higher growth potential and can provide your portfolio with a bit of razzle-dazzle during market rallies.

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 approach to risk vs. return optimization seems to be based on the principle of "go big or go home." While it's managed to avoid going home so far, it's skating on thin ice. The heavy reliance on large caps and tech makes for a thrilling ride but remember, even the most thrilling roller coasters have safety harnesses for a reason.

Dividends Info

  • FIDELITY ZERO LARGE CAP INDEX FUND 1.00%
  • Invesco S&P International Developed Momentum ETF 1.70%
  • VanEck Semiconductor ETF 0.30%
  • Weighted yield (per year) 1.00%

Your dividend yield strategy seems to be an afterthought, like remembering to tip as you're walking out of a restaurant. With an overall yield of 1.00%, it's clear income isn't your priority, but even growth-oriented portfolios can benefit from the steady hand of dividends, offering a cushion during market dips and an income stream in retirement.

Ongoing product costs Info

  • Invesco S&P International Developed Momentum ETF 0.25%
  • VanEck Semiconductor ETF 0.35%
  • Weighted costs total (per year) 0.09%

At least you're not throwing money out the window with high fees. The total TER of 0.09% is commendably low, proving that even in a portfolio that's taking some questionable risks, there's a silver lining. It's like finding out the all-potato diet you've been on is somehow good for your wallet, if not your health.

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