Roast mode 🔥

A stock heavy freedom rocket pretending to be balanced while quietly mainlining the mega cap kool aid

Report created on Dec 16, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This “balanced” portfolio is 98% stocks and about as balanced as a barstool with one leg. You’ve basically bought the global stock market with training wheels: S&P 500 doing the heavy lifting, international tagging along, plus a few shiny single-stock pets and a money market rounding error. For something labeled “Profile_Balanced,” this tilts way closer to growthy equity junkie than middle-of-the-road adulting. Benchmarks like typical 60/40 mixes would have a chunky bond slice; you’re at 1% cash and 0% bonds. If the goal is actually balanced risk, not just a cool label, folding in a real stabilizer bucket (bonds or similar) would turn this from cosplay-balanced into actually-balanced.

Growth Info

Historically, this thing has been on a heater: a 15.6% CAGR is “did I accidentally time-travel back to 2010?” territory. CAGR (Compound Annual Growth Rate) is basically your average speed on a crazy road trip where you only remember the final distance. But there’s that -25.4% max drawdown reminder that markets do punch back. Also, 90% of returns coming from 26 days means you’ve been paid for just sitting still and not panicking out. Versus common equity benchmarks, this is very solid, but don’t romanticize it — the last decade was unusually kind to US mega caps. Treat this performance as a nice backstory, not a guaranteed sequel.

Projection Info

Monte Carlo simulation is like running your portfolio through 1,000 alternate universes to see what might happen if markets roll weird dice. Your results are hilariously wide: worst-case-ish 5th percentile ending at +36.9% and median blasting to +815.8%, with an overall simulated annualized return over 21%. That smells more like “optimistic assumptions” than sober forecasting. Future returns won’t care how pretty the model looks. Past data is yesterday’s weather: useful hints, not prophecy. It’d be wiser to mentally budget for much lower growth, sharper crashes, and longer slumps than this simulation suggests, and build a plan you’d stick with even if markets decide to be boring or mean.

Asset classes Info

  • Stocks
    98%
  • Cash
    1%

Asset class spread? This isn’t a spread, it’s a monoculture: 98% stocks, 1% cash, 0% anything else. Calling this “broadly diversified” is like calling a room full of golden retrievers “biodiverse.” You’re diversified within equities, sure, but there’s essentially no stabilizing asset class to tap the brakes in a storm. When stocks fall together, you have nowhere to hide except that tiny money market sliver. Typical “balanced” setups blend in things like bonds or low-volatility assets to calm the ride. If the target is smoother long-term compounding rather than a full-time roller coaster, building a real non-equity bucket would make the risk profile match the label better.

Sectors Info

  • Technology
    31%
  • Financials
    13%
  • Telecommunications
    13%
  • Health Care
    10%
  • Consumer Discretionary
    10%
  • Industrials
    8%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, this is a tech-and-growth fan club dressed up as a diversified adult. Tech at 31%, plus heavy Communication Services and Consumer Cyclicals, screams “I believe in the future and I’ve never met a downturn I liked.” Compared to a broad global index, you’re leaning hard into sectors that shine when optimism is high and rates are friendly. Defensive areas are present but more like background extras, not lead actors. That’s fine if you can handle mood swings, but it means drawdowns could be very spicy when risk-off hits. Dialing back sector concentration and making room for more boring, steadier segments would give this more backbone and less hype.

Regions Info

  • North America
    75%
  • Europe Developed
    9%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • No data
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, this is very “America first and second and most of third” with 75% in North America. There is legit global seasoning — Europe, Japan, developed and emerging Asia all show up — so it’s not fully “USA or bust,” but it’s close. Given how hard US mega caps have crushed it lately, this tilt has looked genius, but that’s exactly when overconfidence sneaks in. Global leadership shifts over decades, not quarters. Keeping a meaningful but still sane non-US slice is a grown-up move; here it’s okay, just very US-biased. If the goal is long-term resilience instead of betting the farm on one region’s continued dominance, nudging toward a more global balance wouldn’t hurt.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    31%
  • Mid-cap
    15%
  • Small-cap
    2%

Market cap mix is basically “give me the giants”: 49% mega cap, 31% big, 15% mid, and small caps as an afterthought. You’ve outsourced your future to the biggest, most famous companies on earth, which is safe-ish in relative terms but also means you’re chained to crowd favorites. When mega caps lead, you look brilliant; when leadership rotates toward smaller or less-loved names, you’ll lag while wondering what happened. A more even spread across sizes can make returns less dependent on a handful of mega cap darlings. If the intent is smoother long-term compounding rather than hero worship of index titans, diversifying beyond the giants would be smarter.

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.

On the risk vs return front, this thing isn’t sitting on the Efficient Frontier; it’s kind of loitering nearby. The analysis even admits a more efficient mix at the same risk level would deliver higher expected returns, and the mathematically “optimal” option offers that same 8.03% return with a risk level of 4.3 — basically better trade-offs than what you’ve built. Efficient Frontier is just a fancy way of saying “best bang for your risk buck.” Right now you’re leaving some of that on the table. Tightening diversification and adding assets that smooth volatility would move you closer to that sweet spot instead of settling for noisy overexposure.

Dividends Info

  • Eli Lilly and Company 0.60%
  • Microsoft Corporation 0.70%
  • Invesco NASDAQ 100 ETF 0.50%
  • Fidelity® Government Money Market Fund 2.00%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.40%

Yield at 1.4% is basically “we pay you just enough to notice but not enough to matter.” This is clearly a growth-focused build, not a cash-flow machine. Dividends from the big ETFs are modest, and the individual stocks are more about price appreciation than income. Nothing wrong with that if you’re in accumulation mode, but relying on this for near-term living expenses would be wishful thinking. Dividends are like a slow-drip paycheck that keeps coming even when prices sulk; you don’t really have that here. If future income is any kind of goal, gradually boosting exposure to more reliable payers could give you a sturdier baseline cash stream.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

Costs are hilariously low — a 0.04% total expense ratio is “did I hack the system?” cheap. This is one of the few areas where things are almost suspiciously sensible. You’re not lighting money on fire with fancy active funds or gimmicky products; the index ETFs are doing exactly what low-cost vehicles should. But low fees don’t rescue a lopsided risk profile — they just make whatever you’ve chosen more efficient, for better or worse. Think of this as owning a super fuel-efficient car; it’s great, but it doesn’t change the fact you’re still flooring it on a twisty mountain road. Keep the cost discipline while fixing the risk posture.

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