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A tech-heavy portfolio that's more Silicon Valley dreamer than disciplined investor

Report created on Sep 23, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

At first glance, this portfolio looks like it was assembled during a tech IPO party, with a staggering over-reliance on tech ETFs. It's like betting on black in roulette because it hit the last few times. With over 40% in technology and significant overlap in North American equities, it's less "broadly diversified" and more "putting all your eggs in one basket and then watching the basket very nervously."

Growth Info

With a CAGR of 12.30%, it's like riding a roller coaster blindfolded: exhilarating highs but stomach-churning drops with a max drawdown of -26.47%. The portfolio's performance hinges on those 14 days that make up 90% of the returns, akin to winning the lottery but forgetting where you put the ticket. It's a stark reminder that volatility is not for the faint-hearted.

Projection Info

The Monte Carlo simulation suggests a possible future scenario where you might end up with a portfolio value increase between 50.5% and 424.8% at the 5th and 67th percentiles, respectively. However, relying on these simulations is like using a weather forecast to plan your wedding outdoors, in November, in the UK; hopeful but potentially disastrous.

Asset classes Info

  • Stocks
    41%
  • US Equity
    40%
  • Bonds
    2%
  • Cash
    1%
  • Other
    1%

The asset class allocation here screams "I love equity!" with a side of "What's a bond?" Allocating a measly 2% to bonds and 1% to cash is like wearing flip-flops on a hike; it's bold, but you're not prepared for a downturn. Diversification across asset classes isn't just a fancy term; it's a safety net that this portfolio is sorely missing.

Sectors Info

  • Technology
    41%
  • Financials
    20%
  • Consumer Discretionary
    7%
  • Industrials
    7%
  • Telecommunications
    6%
  • Energy
    5%
  • Health Care
    4%
  • Basic Materials
    3%
  • Consumer Staples
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation is akin to having a diet consisting mainly of sweets; it's enjoyable until the inevitable crash. With 41% in technology and 20% in financial services, the portfolio is riding the tech wave with a financial lifejacket. However, tech's volatility and financial sector sensitivity to interest rates make this a risky balancing act.

Regions Info

  • North America
    84%
  • Europe Developed
    6%
  • Japan
    3%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, this portfolio has a case of home bias on steroids, with a whopping 84% in North America. It's like travelling the world but only visiting American fast-food chains. Expanding into more global markets could help reduce the risk of a domestic downturn wiping the smile off this portfolio's face.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    30%
  • Mid-cap
    14%
  • Small-cap
    3%
  • Micro-cap
    1%

The market capitalization breakdown is like attending a party and only talking to the people you already know. With 47% in mega and 30% in big cap, there's a clear comfort in the familiar, but it's missing out on the growth potential and diversification benefits that smaller companies can offer.

Redundant positions Info

  • Vanguard Balanced Portfolio
    Vanguard All-Equity ETF Portfolio
    Vanguard Growth Portfolio
    iShares Core Equity Portfolio
    High correlation
  • iShares S&P/TSX 60
    Vanguard FTSE Canada
    High correlation
  • Vanguard S&P 500 Index ETF
    Vanguard US Total Market
    High correlation
  • Vanguard S&P 500 CAD hedged
    iShares NASDAQ 100 (CAD Hedged)
    High correlation

The portfolio's correlated assets are like a choir singing the same note; harmonious but boring. Owning ETFs that move in lockstep reduces the diversification benefits, essentially doubling down on the same bet. It's time to learn a new song, or in this case, find less correlated investments to spread the risk.

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.

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The current setup is akin to driving with square wheels; it's moving but not efficiently. The advice to ditch overlapping assets for diversification is like being told water is wet. The promise of a more efficient portfolio with a 3.76% expected return at a lower risk screams "rebalance yesterday."

Dividends Info

  • GLOBAL X HIGH INTEREST SAVINGS ETF 2.30%
  • iShares Canadian Financial Monthly Income Common Class 3.90%
  • TD Global Technology Leaders Index ETF 0.10%
  • Vanguard Balanced Portfolio 1.40%
  • Vanguard FTSE Canada 1.30%
  • Vanguard Conservative ETF Portfolio 2.40%
  • Vanguard FTSE Canadian High Dividend Yield 3.00%
  • Vanguard FTSE Emerging Markets 1.70%
  • Vanguard All-Equity ETF Portfolio 1.40%
  • Vanguard S&P 500 Index ETF 0.70%
  • Vanguard Growth Portfolio 1.00%
  • Vanguard S&P 500 CAD hedged 0.70%
  • Vanguard US Total Market 0.70%
  • iShares Core Equity Portfolio 1.20%
  • iShares S&P/TSX 60 1.90%
  • iShares NASDAQ 100 (CAD Hedged) 0.10%
  • BMO Canadian High Dividend Covered Call 4.60%
  • Weighted yield (per year) 1.06%

The dividend yield strategy here is like expecting a trickle from a faucet to fill a swimming pool. With an overall yield of 1.06%, it's clear that income isn't the primary goal. However, for a portfolio leaning heavily on growth sectors, this isn't surprising. Just don't plan your retirement around these dividends.

Ongoing product costs Info

  • BMO Canadian High Dividend Covered Call 0.65%
  • Weighted costs total (per year) 0.01%

At least the portfolio's costs aren't bleeding it dry, with a Total Expense Ratio (TER) whispering at 0.01%. It's one of the few areas where this portfolio is wearing a belt and suspenders. But let's not throw a parade; low fees on a risky bet are still a risky bet.

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