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A high-risk rollercoaster with a tech obsession and a sprinkle of ETF safety nets

Report created on Aug 7, 2025

Risk profile Info

6/7
Aggressive
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

First up, your portfolio composition screams, "I love tech but I'm pretending to diversify with ETFs!" With top holdings like Super Micro Computer and SoFi Technologies each gobbling up over 12% of your portfolio, it's like betting on two horses in the same race. The attempt at diversification with Vanguard and SPDR ETFs is commendable, but it's like putting a Band-Aid on a bullet wound when the rest of your portfolio is playing fast and loose with sector concentration.

Growth Info

Historically, this portfolio has been on a wild ride with a CAGR of 41.02%. Impressive, right? But let's not forget the -56.17% max drawdown, which is like winning a marathon but only because you were the only one who didn't get lost. Those 15 days contributing to 90% of returns? That's not investing; that's hitting the jackpot on a slot machine - exciting but hardly a strategy.

Projection Info

Monte Carlo simulations suggest this portfolio could either be a ticket to the moon or a dive into the Mariana Trench, with a 5th percentile outcome of -95.6%. Sure, the median projection looks rosy, but betting your financial future on being above average is like planning to survive a zombie apocalypse because you played a lot of video games.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. With 100% in equities, your portfolio's risk profile is through the roof. It's like going on a road trip with no spare tire, map, or even a clear destination. A little bond action or some real estate could do wonders for when the stock market decides to take one of its infamous nosedives.

Sectors Info

  • Technology
    51%
  • Financials
    17%
  • Health Care
    10%
  • Consumer Discretionary
    7%
  • Telecommunications
    5%
  • Energy
    4%
  • Utilities
    4%
  • Industrials
    1%
  • Consumer Staples
    1%

With over half your portfolio in tech, you're not so much diversified as you are betting big on Silicon Valley's never-ending rally. Financial services and healthcare make cameo appearances, but let's be real: this is a tech fund wearing a "moderately diversified" costume. When tech sneezes (and it will), your portfolio is catching a cold.

Regions Info

  • North America
    90%
  • Europe Developed
    6%
  • Asia Developed
    4%

North America at 90%? It's clear you believe 'Murica is the land of milk, honey, and endless stock returns. With a tiny nod to Europe and Asia, it's like acknowledging there's a world out there but not really caring enough to explore it. Global diversification can reduce risk and tap into growth elsewhere, you know.

Market capitalization Info

  • Large-cap
    46%
  • Mega-cap
    40%
  • Mid-cap
    13%
  • Micro-cap
    1%

Your mix of big and mega caps with a sprinkle of medium and micro is like having a diet of steak and potatoes with the occasional veggie. It's hearty but not exactly balanced. Mega caps add stability, but overlooking small caps entirely means missing out on growth potential. Finding a middle ground is key.

Redundant positions Info

  • Vanguard S&P 500 ETF
    SPDR S&P 500 ETF Trust
    High correlation

Holding both Vanguard and SPDR S&P 500 ETFs is like buying two different brands of plain white socks - they do the same job. This overcorrelation adds unnecessary redundancy instead of diversification. It's like doubling down on vanilla when there are 31 flavors to explore.

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 like a high-powered sports car that only turns left. Great on an oval track, but life's road is full of turns. Before you go optimizing for the Efficient Frontier, let's address the elephant in the room: your love affair with tech. Diversification isn't just about spreading bets; it's about not having all your eggs in one basket, even if it's a really shiny, high-tech basket.

Dividends Info

  • ASML Holding NV 1.00%
  • Alphabet Inc Class A 0.40%
  • SPDR S&P 500 ETF Trust 1.10%
  • UnitedHealth Group Incorporated 3.50%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 0.51%

With a total yield of 0.51%, your portfolio's dividend game is weak, like relying on finding loose change in the couch for your retirement fund. A few stocks and ETFs are doing the heavy lifting, but overall, it's not enough to provide a cushion or income stream in lean times.

Ongoing product costs Info

  • SPDR S&P 500 ETF Trust 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.01%

Kudos on keeping costs low with those ETFs, though! With TotalTER at 0.01%, at least you're not bleeding money on fees. It's like finding a cheap, reliable car that gets you from point A to B without flashy features. In a portfolio of high risks and potential high rewards, it's nice to see some thriftiness.

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