Roast mode 🔥

A high-octane ride with tech and S&P 500 ETFs that forgot diversification at the pit stop

Report created on Jul 4, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

At first glance, this portfolio screams "I love the S&P 500 and technology so much, I married them." With 70% of the portfolio riding on the S&P 500 through two different ETFs and a whopping 30% in a tech sector fund, it's like betting on red and black at the roulette table but forgetting there's also a green zero. This strategy is a bit like wearing floaties to swim in the deep end – it might feel safer, but it doesn't mean you won't sink.

Growth Info

Historically, this portfolio has been a rocket ship with a 21.89% CAGR, but it's had the stability of a unicycle on a tightrope with a -32.01% max drawdown. That's like enjoying a scenic flight until you hit turbulence and remember you forgot your seatbelt. The days contributing most of the returns can be counted on your fingers and toes, suggesting it's more about lucky timing than skillful navigation.

Projection Info

Monte Carlo simulations suggest a future that's brighter than a disco ball, with a median increase of 1,643.1%. However, relying on these simulations is like trusting a weather forecast from a month away: optimistic but not to be taken as gospel. The range of outcomes suggests that for every portfolio party, there's a potential hangover waiting with a 336.6% increase at the 5th percentile.

Asset classes Info

  • Stocks
    100%

With 100% in stocks and nothing else, this portfolio is like a diet of only steak – thrilling but lacking essential nutrients. The absence of bonds, commodities, or real estate means there's no cushion when the stock market decides to take a dive. It's a high-risk, high-reward game with no safety net.

Sectors Info

  • Technology
    50%
  • Financials
    11%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Industrials
    6%
  • Consumer Staples
    5%
  • Health Care
    5%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%
  • Basic Materials
    1%

The tech sector's 50% allocation is like having half your diet come from candy. It's delightful during a bull market but stomach-churning when things turn. The minor allocations to other sectors are mere garnishes that hardly diversify the flavor profile of this investment feast.

Regions Info

  • North America
    99%

With 99% in North America, this portfolio has a home bias so strong it might as well have an eagle tattoo. It's like refusing to eat anything not labeled "Made in the USA," missing out on the world's buffet of investment opportunities.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    37%
  • Mid-cap
    13%

A focus on mega and big caps (86% combined) means the portfolio is playing it safe with the big boys, avoiding the wild west of small caps. This approach is like only swimming in the shallow end of the pool – safer, but you'll never really learn to swim.

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 risk-return trade-off is like playing darts with spaghetti noodles – messy and unlikely to hit the bullseye. The high risk score and low diversification score highlight an approach that's more gamble than strategy, needing a more balanced mix to reach efficient frontier nirvana.

Dividends Info

  • Invesco S&P 500® Momentum ETF 0.60%
  • SPDR S&P 500 ETF Trust 0.90%
  • Technology Select Sector SPDR® Fund 0.60%
  • Weighted yield (per year) 0.72%

A yield of 0.72% is like finding loose change under the sofa cushions; it's nice to have, but you won't be funding any vacations with it. For those seeking income, this portfolio whispers rather than shouts.

Ongoing product costs Info

  • Invesco S&P 500® Momentum ETF 0.13%
  • SPDR S&P 500 ETF Trust 0.10%
  • Technology Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.11%

The Total Expense Ratio (TER) of 0.11% is surprisingly lean for such a tech-heavy, S&P 500-focused portfolio. It's like finding a budget-friendly sports car that somehow doesn't skimp on performance – a rare but welcome anomaly.

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