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A mono-flavored portfolio masquerading as diversified with a tech-heavy, US-centric comfort zone

Report created on Aug 3, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

At first glance, this portfolio seems to have a strategy, but it's like putting all your eggs in three slightly different baskets and calling it diversification. With 60% in the Invesco NASDAQ 100 ETF, you're riding the tech wave like it's 1999. The remaining 40% is split between the Vanguard S&P 500 ETF and Vanguard Total Stock Market Index Fund ETF Shares, which is like owning two slightly different shades of blue and calling your wardrobe eclectic. This is not diversification; it's duplication with extra steps.

Growth Info

Historically, a 15.75% CAGR might have you popping champagne and feeling invincible, but remember, those 18 days carrying 90% of your returns are like that one hit wonder from the '80s — fantastic but not something you can rely on for a steady performance. The -30.85% max drawdown is a stark reminder that what goes up can come crashing down, especially when your portfolio is essentially a tech stock fan club.

Projection Info

Monte Carlo simulations are a fancy way of saying, "Let's make some educated guesses based on past behavior." While the 50th percentile projection of 601.5% growth sounds like you'll be buying an island soon, remember that simulations assume the future will play nice like the past. Given your high correlation and low diversification, a single tech sector hiccup could turn your island dreams into a budget vacation reality.

Asset classes Info

  • Stocks
    100%

Stocks. Stocks everywhere and not a bond to diversify. With 100% in stocks, your portfolio is like a high-speed train with no brakes. Sure, it's thrilling until you need to stop or slow down. A sprinkle of bonds or real estate could turn your roller coaster ride into a more scenic and less nauseating journey.

Sectors Info

  • Technology
    45%
  • Telecommunications
    13%
  • Consumer Discretionary
    12%
  • Health Care
    7%
  • Financials
    6%
  • Industrials
    5%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Basic Materials
    2%
  • Energy
    2%
  • Real Estate
    1%

45% in technology is like having half your diet be sugar — great until the crash. The rest of your sector spread is like reluctantly adding vegetables to your plate but still focusing on dessert. This tech addiction leaves you vulnerable to sector-specific downturns. It's time to consider a more balanced diet, metaphorically speaking.

Regions Info

  • North America
    98%
  • Europe Developed
    1%

With 98% in North America, your portfolio screams "home bias" louder than a tourist in a fanny pack. This geographic allocation is like refusing to eat anything but fast food because it's familiar. There's a whole world of flavors out there, and expanding your palate could reduce risk and potentially enhance returns.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    33%
  • Mid-cap
    14%
  • Small-cap
    1%

Your portfolio's love affair with mega and big caps is like only watching blockbuster movies and ignoring indie films. Sure, the big names can bring in the big bucks, but they also bring big risks during downturns. A little more love for medium, small, and micro caps could add some much-needed character and potential growth opportunities.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation between the Vanguard S&P 500 ETF and Vanguard Total Stock Market Index Fund ETF Shares is like buying two different brands of vanilla ice cream and expecting a flavor explosion. This redundancy adds complexity without real benefit, like a cluttered closet full of clothes that all look the same.

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 attempt at diversification is like throwing darts blindfolded and hoping for a bullseye. The overlap between your S&P 500 and Total Stock Market ETFs is about as useful as a screen door on a submarine. Before you even think about optimizing, it's time to untangle this mess and introduce some actual variety. Efficiency isn't just about cutting costs; it's about getting the most bang for your buck without betting the farm on two nearly identical baskets.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 0.78%

Your dividend yield is like finding loose change in the couch — it's nice but won't change your life. A 0.78% total yield is on the lean side, suggesting your portfolio is all about growth, which is fine until you need some income. It might be time to look for stocks or funds that can add a bit more bulk to your dividend diet.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.10%

Congratulations on keeping your costs lower than a limbo bar at a beach party — an average TER of 0.10% is commendably lean. It's one of the few areas where your portfolio doesn't need a diet. Just make sure these low costs aren't the only thing you're celebrating at the end of the day.

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