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A high-flying portfolio that's more single-lane highway than diversified road trip

Report created on Sep 24, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

With over 99% of your portfolio cruising down the US equity highway, it's clear you've mistaken "diversification" for "putting all your eggs in one basket and hoping for the best." The Vanguard S&P 500 and Invesco NASDAQ 100 ETFs have you covered from Apple to Amazon, but it's like betting on red or black at the roulette table — exciting, but not exactly strategic. This portfolio screams, "I love the thrill of the stock market but prefer a map drawn by someone else."

Growth Info

Historically, with a CAGR of 17.44%, you've been riding the bull market like a pro. But remember, past performance is like rearview mirror glances; it tells you where you've been, not where you're going. And with those 24 days making up 90% of your returns, it seems your portfolio's success hinges on the market equivalent of lightning strikes. Thrilling, but not exactly a reliable strategy for weathering storms.

Projection Info

Monte Carlo simulations show a wild ride ahead with potential returns ranging from "buying a yacht" to "still can afford a decent car." But leaning heavily on simulations is like trusting a weather forecast for a picnic next year. Interesting, sure, but I wouldn't bet the farm on it. Diversification might dull the highs but it also softens the lows, making your financial journey less of a roller coaster.

Asset classes Info

  • US Equity
    98%
  • Stocks
    1%

With 98% in US equity, your portfolio is like a diet consisting entirely of steak — rich and satisfying, but lacking in nutritional balance. Equity is vital, but there's a whole world of bonds, real estate, and international stocks that could reduce your risk without necessarily sacrificing returns. It's time to consider adding some vegetables and grains to your investment diet.

Sectors Info

  • Technology
    42%
  • Telecommunications
    12%
  • Consumer Discretionary
    12%
  • Financials
    9%
  • Health Care
    8%
  • Industrials
    6%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Energy
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

Your sector allocation reads like a Silicon Valley who's who, with a whopping 42% in technology. While tech has been the belle of the ball, remember that sectors rotate in and out of favor like fashion trends. Your portfolio's heavy tech tilt is like wearing bell-bottoms to a board meeting — cool once, but risky if the trend shifts.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

With 99% in North America, your portfolio's geographic diversity is like claiming you're a world traveler because you once flew over Europe. The global market offers growth opportunities and risk mitigation beyond the shores of North America. It's time to stamp some new destinations in your investment passport.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    34%
  • Mid-cap
    15%
  • Small-cap
    1%

Your mega and big cap love affair makes sense for stability and growth, but neglecting small and medium caps is like ignoring indie films for blockbusters — you miss out on potential breakthrough performances. A sprinkle of smaller companies could add zest and potential upside to your portfolio, without too much drama.

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.

Your portfolio's risk-return profile suggests you're aiming for the moon with a catapult. Efficient Frontier theory would probably recommend a less aggressive stance, offering a smoother ride without significantly compromising on the potential for returns. Think of it as upgrading from a slingshot to a rocket — more precision, less guesswork.

Dividends Info

  • Invesco NASDAQ 100 Index ETF CAD Units 0.30%
  • Vanguard S&P 500 Index ETF 0.70%
  • Weighted yield (per year) 0.55%

Your dividend yield is so low, it's practically a rounding error. While not everyone invests for income, a slightly higher dividend yield could provide a cushion during market dips, acting like a small, steady paycheck in good times and bad. It's time to turn those pennies into a more substantial safety net.

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