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A portfolio that loves the S&P 500 more than diversification itself

Report created on Sep 10, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

If this portfolio were a party, the S&P 500 ETF would be the DJ, dominating the room with a whopping 75.4% of the floor space. The rest feels like an afterthought, with a sprinkle of tech giants and a timid nod to bonds and international exposure. It's like betting everything on red and throwing a few chips on the numbers just in case. Diversification doesn’t mean having a little bit of everything; it means having a balanced mix that can weather storms together.

Growth Info

With a historical CAGR of 13.89%, this portfolio might seem like it's been hitting the gym regularly. But let's not forget, those gains are heavily piggybacking on the recent bull run in tech and large caps, which the S&P 500 is stuffed with. Relying on a few good days for 90% of your returns is like expecting a few home runs to carry a baseball season. Exciting? Sure. Sustainable? Doubtful.

Projection Info

Monte Carlo simulations are not crystal balls, but they do offer a glimpse into the realm of "what ifs." With projections suggesting a wide range from -23.9% to a staggering 1,449.9%, this portfolio is on a rollercoaster that only goes higher or plummets. Betting big on the S&P 500 might feel like holding onto the safest bar, but remember, even the sturdiest ships can hit rough seas.

Asset classes Info

  • Stocks
    92%
  • Bonds
    7%

A 92% allocation in stocks with a heavy lean on a single ETF is like wearing a raincoat and flip-flops in a hurricane. Sure, you’re mostly covered, but those toes are going to feel every bit of the storm. The 7.5% in bonds is like remembering an umbrella but forgetting it doesn't cover you completely. Diversification across asset classes means preparing for any weather, not just the sunny days.

Sectors Info

  • Technology
    33%
  • Financials
    12%
  • Telecommunications
    10%
  • Consumer Discretionary
    9%
  • Consumer Staples
    8%
  • Health Care
    7%
  • Industrials
    6%
  • Energy
    4%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    1%

Tech addiction in this portfolio is real, making up a third of the entire mix. It's like having a diet that's one-third pizza; enjoyable, but not exactly balanced. Financials and communication services are trying to balance the plate, but when one slice takes up so much room, everything else just looks like garnish. Overindulging in one sector can lead to indigestion when the market turns.

Regions Info

  • North America
    91%
  • Europe Developed
    1%

This portfolio has a serious case of home bias, with 91% in North America. It's like traveling the world but only eating at McDonald's. Yes, you’re going places, but are you really experiencing what the global market has to offer? A sprinkle of international exposure doesn't count as diversification if it's barely touching the plate.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    27%
  • Mid-cap
    15%
  • Small-cap
    4%

The mega and big cap love affair here is like only watching blockbuster movies; you might get some great performances, but you're missing out on indie gems. With 73% in mega and big caps, this portfolio is riding the waves of the largest companies, forgetting that smaller companies can offer growth spurts that giants can’t match. It’s time to diversify the viewing list.

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.

The portfolio's current state is like insisting on using a map when you have GPS; it’s just not optimized for the journey. With the potential for a more efficient portfolio offering a 51.01% expected return at the same risk level, sticking to the current mix is like leaving money on the table. It’s time to upgrade to modern navigation.

Dividends Info

  • Apple Inc 0.40%
  • Alphabet Inc Class A 0.30%
  • Meta Platforms Inc. 0.30%
  • Microsoft Corporation 0.50%
  • Schwab Short-Term U.S. Treasury ETF 4.10%
  • SPDR S&P 500 ETF Trust 1.10%
  • Vanguard ESG International Stock 2.80%
  • Energy Select Sector SPDR® Fund 3.30%
  • Financial Select Sector SPDR® Fund 1.40%
  • Weighted yield (per year) 1.28%

With an overall yield of 1.28%, this portfolio isn't exactly a dividend powerhouse. It's more like finding loose change under the sofa cushions; nice to have, but not something you can live off. Relying on growth is great when markets are up, but a sprinkle of higher-yielding assets could add a steady beat to the portfolio's melody.

Ongoing product costs Info

  • Schwab Short-Term U.S. Treasury ETF 0.03%
  • SPDR S&P 500 ETF Trust 0.10%
  • Vanguard ESG International Stock 0.12%
  • Energy Select Sector SPDR® Fund 0.09%
  • Financial Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.08%

The average expense ratio here is commendably low at 0.08%, showing that at least on the cost front, this portfolio is as lean as a marathon runner. It’s like finding a diet that’s both cheap and effective — rare and worth some praise. Just make sure those savings aren’t being offset by the risk of an overly concentrated portfolio.

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