This portfolio has only about 1.5 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.
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A tech-heavy portfolio with a crypto gamble and a sprinkle of international exposure

Report created on Jul 25, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

At first glance, this portfolio looks like it was assembled by a tech enthusiast who, after binge-watching Silicon Valley, decided to sprinkle in some international flavor for "diversification." With a hefty 35% in a single index fund and almost 29% in a large-cap ETF, it's like betting on the same horse twice. The adventurous 17.59% allocation to Bitcoin is the wild card that screams, "I'm feeling lucky." But let's not forget the token international exposure that seems more like an afterthought than a strategy.

Growth Info

The historical performance sports a CAGR of 37.58%, which might have you thinking you're the next Warren Buffett. But with a max drawdown of -22.34% and the bulk of returns coming from just 17 days, it's more akin to winning at roulette because you bet on red and it happened to land there a few times. This kind of volatility isn't for the faint-hearted. It's like riding a roller coaster blindfolded—you might have fun, or you might lose your lunch.

Projection Info

The Monte Carlo simulation, with its 1,000 different scenarios, suggests a future as unpredictable as a season finale cliffhanger. Sure, a 50th percentile outcome of 29,850.5% sounds like you're about to launch your own space program, but remember, simulations are as reliable as weather forecasts for next year's Christmas. They give a range but pack an umbrella—and maybe a parachute—because the actual outcome can be wildly different.

Asset classes Info

  • Stocks
    82%
  • Other
    18%

Diving into asset classes, it's clear there's a "stocks or bust" mentality, with a staggering 82% in stocks and a surprising bet on Bitcoin making up the rest. It's like showing up to a potluck with just chips and salsa—sure, everyone likes them, but it's hardly a balanced meal. The complete absence of bonds or cash equivalents means there's no safety net; if the stock market sneezes, this portfolio catches a cold.

Sectors Info

  • Technology
    34%
  • Telecommunications
    12%
  • Financials
    9%
  • Health Care
    6%
  • Industrials
    5%
  • Consumer Discretionary
    4%
  • Consumer Discretionary
    4%
  • Consumer Staples
    3%
  • Energy
    2%
  • Basic Materials
    1%
  • Real Estate
    1%
  • Utilities
    1%

With a third of the portfolio riding on technology and notable chunks in communication services and financial services, this portfolio is less diversified and more a tech fan club. It's like going to a buffet and only loading up on dessert—delicious but potentially regrettable. The minimal presence of defensive sectors means there's nothing to cushion the fall when tech stocks tumble.

Regions Info

  • North America
    78%
  • Europe Developed
    2%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

The geographic allocation screams "America first" with a side of "oh, I guess the rest of the world exists too." With 78% in North America and only a smattering across other regions, it's like planning a world tour but only leaving the airport in each country. This home bias could limit growth opportunities and expose the portfolio to domestic market downturns.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    20%
  • Mid-cap
    11%
  • Small-cap
    2%

The portfolio leans heavily on the giants, with 49% in mega-cap stocks. It's like always shopping at big box stores and ignoring the charming boutique down the street; you might miss out on some unique finds. This mega-cap bias provides stability but potentially at the cost of explosive growth opportunities found in smaller companies.

Redundant positions Info

  • Schwab International Equity ETF
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation
  • SCHWAB 1000 INDEX FUND INVESTOR SHARES
    Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    High correlation

The high correlation between the SCHWAB 1000 INDEX FUND, the Schwab U.S. Large-Cap Growth ETF, and the Vanguard S&P 500 ETF is like buying three different brands of vanilla ice cream. They might have slightly different packaging, but you're essentially eating the same thing three times. This redundancy doesn't add value but rather clutters the portfolio with overlapping 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.

The portfolio's current setup is like a sports car with square wheels; it looks fast but won't go far without a serious overhaul. The suggestion to remove overlapping assets is a no-brainer, like realizing you've been paying for the same streaming service twice. Striving for a 97.01% expected return is ambitious but remember, with great potential returns comes great potential risk. It's the financial equivalent of trying to jump the Grand Canyon on a motorcycle—breathtaking if you make it, catastrophic if you don't.

Dividends Info

  • Alphabet Inc Class A 0.40%
  • Meta Platforms Inc. 0.30%
  • Schwab International Equity ETF 2.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • SCHWAB 1000 INDEX FUND INVESTOR SHARES 1.10%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 0.67%

The dividend yield is modest, with an overall portfolio yield of 0.67%. It's like finding a dollar on the sidewalk; nice when it happens but hardly a game changer. For a portfolio that's taking on considerable risk, the income generated is like getting a consolation prize in a lottery—better than nothing, but not why you bought the ticket.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • SCHWAB 1000 INDEX FUND INVESTOR SHARES 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

The total expense ratio (TER) is commendably low at 0.05%, proving that at least on the cost front, this portfolio is lean. It's like finding a no-fee ATM; it doesn't make you richer, but it's satisfying not to waste money on unnecessary fees. Kudos for keeping costs under control amidst the chaos.

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