This portfolio has only about 1.6 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
Roast mode 🔥

A high-flying portfolio betting big on the home turf with a sprinkle of Bitcoin for flavor

Report created on Aug 8, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Let's start with the elephant in the room: 71.47% in a total stock market fund is like ordering a large pizza with just one topping. You're missing out on the flavor variety! With over 85% in essentially two flavors of U.S. stocks (total market and S&P 500 variations), it's like you're at an international buffet but only hitting the burger stand. Diversification doesn't mean having different sauces for the same dish; it means trying a bit of everything.

Growth Info

Historically, this portfolio has been like a rocket—22.97% CAGR is nothing to sneeze at. But remember, rockets sometimes explode on the launch pad. With most gains coming from a handful of days, it's like winning the lottery. Sure, the past performance looks stellar, but it's like driving using only the rearview mirror: risky and not advisable for future navigation.

Projection Info

Monte Carlo simulations throwing out numbers like 4,268.4% median growth make it sound like you're on track to become a quadrillionaire. But let's ground ourselves—simulations are educated guesses, not promises. Banking on the 50th percentile as your retirement plan is like expecting to hit every green light on your way to work; hopeful, but not realistic.

Asset classes Info

  • Stocks
    95%
  • No data
    3%
  • Other
    1%

With 95% in stocks and a mysterious 3% in the "Unknown" category, your asset class spread is like wearing shorts in a snowstorm—bold but unprepared. The absence of bonds, real estate, or commodities leaves you vulnerable to stock market chills without a warm coat.

Sectors Info

  • Technology
    30%
  • Financials
    14%
  • Telecommunications
    10%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Discretionary
    8%
  • Consumer Staples
    6%
  • No data
    3%
  • Consumer Discretionary
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    2%

A 30% tech tilt shows you're a believer in Silicon Valley dreams, which isn't bad until it is. Remember, tech is like the popular kid in school—everyone's favorite until a new one moves to town. The heavy reliance on financial services and communication sectors isn't bad, but it's like betting on the same horse every race.

Regions Info

  • North America
    95%
  • No data
    3%

95% in North America? It's clear you think the world ends at California's shores. Ignoring the rest of the globe's markets is like refusing to acknowledge there's good food outside of America. Expand your horizons; there's a whole world out there.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    30%
  • Mid-cap
    17%
  • Small-cap
    5%
  • No data
    3%
  • Micro-cap
    2%

Your mega and big-cap obsession is like only watching blockbuster movies and missing out on indie gems. Sure, the big names bring in the crowds, but smaller companies often offer the thrilling plot twists. A mix could give you a more riveting story.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund Admiral Shares
    Fidelity® MSCI Information Technology Index ETF
    Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    Invesco S&P 500® Momentum ETF
    High correlation

The high correlation among your top holdings is like having five different navigation apps telling you the same route. One is enough. Overlapping investments in similar assets mean you're not spreading your risks as much as you think. It's time to declutter.

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 a buzzword; it's about getting the most bang for your buck. Your current set-up is like a gas-guzzling muscle car when what you need is a sleek electric vehicle. Aim for a portfolio that balances risk and return without the excess baggage.

Dividends Info

  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Invesco NASDAQ 100 ETF 0.50%
  • Fidelity® Government Money Market Fund 3.60%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.90%
  • Weighted yield (per year) 0.95%

A total yield of 0.95% is like finding a dollar on the sidewalk; nice, but it won't change your life. While not the main attraction, dividends can provide a steady income stream, especially in turbulent times. Don't overlook these quiet contributors.

Ongoing product costs Info

  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Invesco NASDAQ 100 ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
  • Weighted costs total (per year) 0.05%

With an overall TER of 0.05%, at least you're not throwing money away on fees. This is like finding a no-booking-fee concert ticket—rare and worth celebrating. Keep an eye on these as you adjust your portfolio; costs can eat into your returns like termites in wood.

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