A high-octane growth portfolio that's more rollercoaster than steady climb
Report created on Jul 9, 2025Risk profile
5/7
Diversification profile
3/5
Positions
-
SP SPDR® Portfolio S&P 500 ETF
SPLG - US78464A8541 50.00% -
FS Fidelity Small-Mid Factor
FSMD - US3160925273 30.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 10.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio screams "all in" with a 50% stake in the S&P 500, another 30% betting on small to mid caps, and a spicy 10% slice of the semiconductor sector. It's like going to a buffet and loading up on carbs and sugar but forgetting your veggies. While it's labeled as "moderately diversified," it's more like putting all your eggs in a few baskets and hoping none of them fall. The 10% international exposure is like remembering to drink a glass of water at 2 AM after a night out — a token gesture towards health.
Growth
With a CAGR of 16.19%, this portfolio has been a speedboat in calm waters. But let's not forget the -35.37% max drawdown, which is like enjoying the speedboat ride until you hit a wave and remember you can't swim. Those 20 days making up 90% of returns? It's like your entire grade depending on a few exams, and we all know how stressful that can be. High performance is great, but this volatility is not for the faint-hearted.
Projection
The Monte Carlo simulation, with its fancy 1,000 iterations, shows a wide range of outcomes, but banking on the 803.9% median increase is like expecting to win the lottery because you've seen it happen on TV. Remember, Monte Carlo is like weather forecasting for your money — useful, but pack an umbrella (and maybe a parachute) just in case.
Asset classes
- Stocks 99%
- Cash 1%
Stocks, stocks, and more stocks, with a symbolic 1% in cash, just in case you need a quick exit. This portfolio is like a diet consisting entirely of steak — thrilling at first but lacking in balance. The absence of bonds or alternative investments means you're missing out on potential stabilizers that could smooth out the ride.
Sectors
- Technology 32%
- Financials 15%
- Industrials 11%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 6%
- Consumer Staples 5%
- Energy 3%
- Real Estate 3%
- Basic Materials 3%
- Utilities 2%
With 32% in technology, this portfolio is betting big on Silicon Valley continuing to print money. It's like having a crush on the quarterback; exciting, but what if he doesn't make it pro? The underrepresentation of sectors like utilities and real estate is like skipping leg day — it might not be glamorous, but it's essential for a well-rounded approach.
Regions
- North America 88%
- Europe Developed 5%
- Asia Developed 2%
- Asia Emerging 2%
- Japan 2%
North America takes up 88% of the geographic allocation, making this portfolio the financial equivalent of someone who's never left their hometown. While home bias is common, this level of concentration is like refusing to try any food that's not from your favorite fast-food joint.
Market capitalization
- Mega-cap 32%
- Large-cap 25%
- Small-cap 19%
- Mid-cap 17%
- Micro-cap 5%
The mix of market caps shows a willingness to dance across the floor, from mega to micro. But leaning heavily on bigger companies, with 57% in mega and big caps, is like always choosing the safest rollercoaster at the amusement park — thrilling, yet somewhat predictable. The 19% in small caps, though, is like sneaking onto the ride you're not tall enough for — potentially fun, but risky.
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.
Looking at risk vs. return, this portfolio is riding the edge of the Efficient Frontier like it's trying to drift in a sports car. High returns are great, but with high risk, it's all fun and games until you spin out. A little rebalancing towards the boring stuff might not be as exhilarating but could keep you on the road longer.
Dividends
- Fidelity Small-Mid Factor 1.30%
- VanEck Semiconductor ETF 0.40%
- SPDR® Portfolio S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.31%
The dividend yield here is like finding loose change in the couch — nice to have, but you're not funding a vacation with it. At 1.31%, it's clear that income isn't the goal, but even growth portfolios can benefit from the steady hand of dividend payers, especially in turbulent markets.
Ongoing product costs
- Fidelity Small-Mid Factor 0.15%
- VanEck Semiconductor ETF 0.35%
- SPDR® Portfolio S&P 500 ETF 0.02%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
At an average total expense ratio (TER) of 0.10%, at least you're not bleeding money on fees. It's like finding a no-fee ATM; it doesn't make you richer, but it's a pleasant surprise in a world that's always taking a cut.
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