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A tech-heavy portfolio that thinks diversification is a town in Silicon Valley

Report created on Jul 19, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Diving into this portfolio, it's like walking into a tech enthusiast's dream garage sale—there's a lot of shiny things, but maybe not what you need for a balanced diet. With 60% in a total stock market ETF, you'd think there's some diversification. Still, the tech-heavy individual stock picks (35% of your portfolio) scream "I only eat dessert." It's like betting on red at the roulette table because it's your favorite color. Moderately diversified? More like moderately obsessed with Silicon Valley.

Growth Info

Historically, this portfolio has been like riding a rollercoaster blindfolded—thrilling with a CAGR of 19.23% but with stomach-churning drops (a max drawdown of -33.99%). It's had its highs, but those 19 days that accounted for 90% of returns? That's like banking on lightning strikes for your electricity needs. High risk, high reward, but maybe pack a parachute.

Projection Info

Monte Carlo simulations are like weather forecasts for your investments, and this portfolio's forecast has a chance of sunny skies but also a decent chance of hurricanes. With projections ranging wildly, it's clear there's potential for growth, but also for significant losses. It's like planning for retirement while also planning which of your kids' couches you'll crash on if things go south.

Asset classes Info

  • Stocks
    100%

All in on stocks, huh? With 100% of your portfolio riding the equity wave, you're missing out on the stabilizing effects of bonds or the diversification benefits of alternative assets. This is like wearing flip-flops year-round: great for the beach, not so much for climbing mountains or trekking through snow.

Sectors Info

  • Technology
    34%
  • Telecommunications
    21%
  • Financials
    10%
  • Consumer Discretionary
    8%
  • Industrials
    8%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    3%
  • Real Estate
    2%
  • Utilities
    2%

Your tech addiction is showing with 34% in technology and another 21% in communication services. It's like having a diet consisting solely of energy drinks and pizza—exciting at first but potentially regrettable in the long term. Financial services and consumer cyclicals are like your attempt at "eating a vegetable," but let's face it, you're still not getting your recommended daily intake of diversification.

Regions Info

  • North America
    91%
  • Europe Developed
    4%
  • Japan
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 91% in North America, this portfolio is the investment equivalent of never leaving your hometown. Sure, it's comfortable and familiar, but you're missing out on the flavors and opportunities of the wider world. Developed Europe, Japan, and a sprinkle of Australasia and Africa/Middle East are like those vacation photos you took once and never looked at again.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    28%
  • Mid-cap
    17%
  • Small-cap
    7%
  • Micro-cap
    2%

Leaning heavily towards mega and big caps (73% combined), your portfolio is like a movie buff who only watches blockbuster films. Sure, they're entertaining and have big names, but you're missing out on the depth and potential of indie films (small and micro-caps). It's a safer bet, but sometimes the biggest rewards come from unexpected places.

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 is like a poorly planned road trip: high chances of exciting moments but equally high chances of getting lost. With an emphasis on growth and tech, you're gunning the engine on the straightaways but might not have packed enough for the potential breakdowns. It's not about avoiding adventure; it’s about being prepared for it.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Alphabet Inc Class A 0.40%
  • Meta Platforms Inc. 0.30%
  • Microsoft Corporation 0.60%
  • Qualcomm Incorporated 2.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.40%

The dividend yield here is like finding loose change in your couch—nice to have but not life-changing. With an overall yield of 1.4%, it's clear that income isn't the main goal here. But in a portfolio that's riding the high waves of growth stocks, a little bit of dividend stability is like a life vest; not needed in calm waters, but you'll wish you had it when the storm hits.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.05%

At least you're not throwing money away on fees, with a total TER of 0.05%. It's one of the few things in this portfolio that's lean and efficient. It's like knowing you overindulge in tech stocks but at least you're not paying extra for the privilege. Small victories, right?

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