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A tech-obsessed portfolio that missed the memo on diversification

Report created on Jun 24, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is like a fanboy at a tech convention, grabbing every shiny tech ETF in sight without a second thought. With a whopping 100% allocation to tech or tech-adjacent ETFs, it's as diversified as a diet consisting solely of potato chips. Different flavors, sure, but it's all still just salty crisps. The glaring absence of any asset class outside of stocks, especially in sectors and geographies that could buffer against tech market volatility, is like wearing a T-shirt in a snowstorm — it's not going to end well.

Growth Info

Looking at a CAGR of 22.46% might make you feel like you've struck gold, but that's until you notice the max drawdown of -36.49%. That's like enjoying a rollercoaster ride, forgetting you're terrified of heights until the first drop. Those 26 days that drove 90% of your returns? That's less stability than betting on which leaf will fall from a tree first. This kind of performance is a wild ride, exhilarating but not for the faint-hearted or those planning for retirement without a backup plan.

Projection Info

Monte Carlo simulations are like asking a crystal ball your future, except with more math and less mysticism. With projections ranging wildly up to 2,158.6% at the optimistic end, it suggests that in the best-case scenario, you're on a rocket to the moon. However, the reality of such a narrow tech focus is that it's more like strapping yourself to a firework — spectacular if it goes up, but there's a good chance it could just explode on the spot. Diversification is the parachute you're missing.

Asset classes Info

  • Stocks
    100%

With stocks as the only asset class, this portfolio is like a monoculture farm: really efficient until pests (market downturns) hit, then it's a disaster. The absence of bonds, commodities, or even a smidge of real estate leaves you vulnerable to tech sector storms with no shelter. It's time to consider some crop rotation by introducing other asset classes to spread the risk and maybe even improve the yield.

Sectors Info

  • Technology
    88%
  • Telecommunications
    10%
  • Consumer Discretionary
    1%

Tech and communication services dominate with a side glance at consumer cyclicals, like a diet of burgers, fries, and the occasional salad. While tech can offer explosive growth, it can also plummet just as fast. Remember, even the Titanic was considered unsinkable. Broadening your sector exposure is like adding lifeboats to your investment strategy — they might not seem necessary until you hit an iceberg.

Regions Info

  • North America
    99%

North America holds 99% of your portfolio, which is like refusing to eat anything not made in the USA. While home bias is common, it limits exposure to global growth opportunities and increases vulnerability to domestic market downturns. It's a big world out there, with markets rising and falling on different cycles — diversifying globally could be like adding several new dishes to your investment menu.

Market capitalization Info

  • Mega-cap
    51%
  • Large-cap
    33%
  • Mid-cap
    11%
  • Small-cap
    3%
  • Micro-cap
    1%

With a heavy lean on mega and big caps, your portfolio is like a basketball team made up entirely of centers. Sure, they're powerful, but without the agility of smaller players (small and micro caps), you're missing out on potential growth opportunities and the ability to maneuver quickly in changing markets. Consider balancing your team to play both offense and defense effectively.

Redundant positions Info

  • Fidelity® MSCI Information Technology Index ETF
    iShares Evolved U.S. Technology ETF
    iShares Expanded Tech Sector ETF
    Technology Select Sector SPDR® Fund
    High correlation

The high correlation among your chosen ETFs is like buying four different brands of plain white socks — they might look slightly different, but they serve the same purpose, and having more doesn't mean you're better dressed. This redundancy doesn't add value or diversification but does ensure that if one tech stock sneezes, the rest catch a cold. Time to mix up your wardrobe with some non-tech investments.

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.

Efficiency isn't just about squeezing out every last drop of return; it's about not capsizing in a storm. Your portfolio, with its single-minded pursuit of tech, is like a race car designed only for straightaways, helpless in the corners. A more balanced approach, considering different sectors, geographies, and asset classes, could offer the same, if not better, returns with less risk of a wipeout.

Dividends Info

  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • iShares Evolved U.S. Technology ETF 0.50%
  • iShares Expanded Tech Sector ETF 0.20%
  • Technology Select Sector SPDR® Fund 0.60%
  • Weighted yield (per year) 0.39%

With a total dividend yield of 0.39%, your portfolio's income generation is like finding change under the couch cushions; it's nice but won't pay the bills. While tech investments are known more for growth than income, considering some dividend-friendly sectors could provide a steady cash flow, adding a safety net to catch you when tech stocks tumble.

Ongoing product costs Info

  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • iShares Evolved U.S. Technology ETF 0.18%
  • iShares Expanded Tech Sector ETF 0.41%
  • Technology Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.22%

Your total TER of 0.22% is like a small leak in a boat; it might not sink you immediately, but it's unnecessary drag. Especially considering the overlap in your ETFs, you're essentially paying multiple times for the same exposure. It's like buying several identical maps when you're lost — one is helpful, more than that is just extra weight.

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