Roast mode 🔥

A high-octane chase for growth with a side of international flavor and a dash of complexity

Report created on Aug 5, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is like a buffet where you've piled your plate high with the main course and glanced at the salad bar just to feel better about your choices. With 40% in a broad market ETF and 30% chasing the high-flyers of the S&P 500, it's clear where the appetite lies. The international exposure and a speculative dive into CLOs are like adding a sprinkle of exotic spices and a risky dessert to an otherwise meat-and-potatoes meal. It’s an interesting mix but leaves one wondering if there’s too much of the same flavor.

Growth Info

Riding the wave of a 15.32% CAGR is impressive, like being the cool kid at the party because you guessed the playlist. But that -22.51% max drawdown is the hangover the next morning — a stark reminder that what goes up must come down. With days that make up 90% of returns being so few, it’s like your entire happiness depended on those few good days. It’s thrilling but hardly a smooth ride.

Projection Info

Monte Carlo simulations are like a crystal ball, but instead of magic, they use math to predict your portfolio's future. With outcomes ranging from "I'm buying a yacht" to "I hope I like ramen," this portfolio’s future has a broad spectrum. A median projection of 469.8% growth sounds like a dream until you remember dreams aren't guarantees. Betting on the 50th percentile is like planning your budget based on winning the lottery — optimistic, but maybe not the best strategy.

Asset classes Info

  • Stocks
    90%
  • Bonds
    10%

With 90% stocks and a token gesture towards bonds, this portfolio treats asset diversification like a fad diet — mostly ignored. It’s like wearing a life jacket only around one arm; sure, you’re partially protected, but you’ll still flounder when the market tide turns. A bit more balance wouldn't hurt, unless the goal is to live on the edge.

Sectors Info

  • Technology
    22%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Telecommunications
    9%
  • Consumer Staples
    6%
  • Health Care
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

The sector spread reads like a tech enthusiast who remembers to eat vegetables occasionally. Technology and financial services are the steak and potatoes, making up a hefty portion of the meal. The rest feels like an afterthought, like you're just ticking boxes to say you did. It's a tech-heavy party with a few random guests.

Regions Info

  • North America
    71%
  • Europe Developed
    12%
  • Japan
    5%
  • Australasia
    1%
  • Asia Developed
    1%

With North America hogging 71% of the geographic allocation, this portfolio screams "home bias" louder than an eagle at a Fourth of July parade. The modest nod to developed Europe and Japan is like having international friends on social media — it looks good on paper, but it’s hardly a deep connection. Diversification doesn't mean just stepping over the border.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    3%
  • Micro-cap
    1%

Mega and big caps dominate, making this portfolio the equivalent of trusting your entire savings to the high school popular kids. While they're more likely to succeed, remember, even prom kings and queens have bad days. A little more love for the underdogs (medium, small, and micro caps) could round out the risk and potentially uncover hidden gems.

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 current joyride has room for efficiency tweaks. Like driving a gas-guzzler when there are hybrids available, sticking with this setup when there's a more efficient portfolio at the same risk level is a choice, not a necessity. With an optimal portfolio promising a smoother ride at a 2.04% risk level, it's like being offered a seat in first class and choosing to stay in economy — why would you?

Dividends Info

  • Avantis® International Equity ETF 2.80%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 5.30%
  • Invesco S&P 500® Momentum ETF 0.60%
  • SPDR® Portfolio S&P 1500 Composite Stock Market ETF 1.20%
  • Weighted yield (per year) 1.75%

The dividends are like finding loose change in the couch — nice to have, but you’re not funding a vacation with it. A 1.75% total yield might help cover some costs, or buy you a fancy coffee every now and then, but it's hardly a game-changer. If you're looking for income, this portfolio whispers when you might prefer it to shout.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 0.21%
  • Invesco S&P 500® Momentum ETF 0.13%
  • SPDR® Portfolio S&P 1500 Composite Stock Market ETF 0.03%
  • Weighted costs total (per year) 0.12%

With total TER at a modest 0.12%, at least you're not bleeding money on fees. It’s like finding out the gourmet meal you’ve been enjoying actually comes at a fast-food price. In a world where costs can eat into your returns like a hidden tax, this portfolio manages to keep more of what it earns. Well done on not letting the termites into your investment woodwork.

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