This portfolio has only about 1.6 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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A portfolio that thinks diversification is just a fancy word for more ETFs

Report created on Aug 26, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

At first glance, this portfolio seems to have taken a "Let's throw everything at the wall and see what sticks" approach, especially with a staggering 60% in the Vanguard S&P 500 ETF. It's like betting most of your salary on the favorite horse because you recognize its name. The rest is sprinkled across various ETFs like seasoning, hoping to flavor the mix but not enough to change the base taste. The attempt at diversification is commendable but feels like choosing different shades of blue and calling it a rainbow.

Growth Info

With a CAGR of 24.22%, this portfolio has been on a joyride, but remember, what goes up like a rocket can come down like a rock. Banking heavily on past performance is like driving while only looking in the rearview mirror; it doesn't account for the roadblock right in front of you. The max drawdown of -18.32% is a reality check that this portfolio isn't immune to turbulence. Those 13 days making up 90% of returns? That's the investment equivalent of winning the lottery - great if it happens, but not a strategy.

Projection Info

The Monte Carlo simulation, with its fancy 1,000 scenarios, suggests you're more likely to hit it big than not, with a median increase of 3,594.7%. But remember, Monte Carlo is like predicting weather in London; it's a good guess but pack an umbrella just in case. Betting the farm on these projections is as wise as planning your retirement around a horoscope reading. They're optimistic, sure, but optimism doesn't prevent a market crash.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

With 95% in stocks and a whimsical 5% in "other" (hello, Bitcoin), this portfolio is as balanced as a one-legged stool. The absence of bonds or cash equivalents is like going on a road trip without a spare tire or map. Sure, the ride might be smooth, but one pothole (or market downturn) and you'll wish you had some cushioning.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

The sector allocation seems to favor a "follow the leader" strategy, heavily leaning on technology and financial services. While tech has been the cool kid on the block, remember, even the cool kids have bad days. Overcommitting here is like only learning to cook Italian food; it's great until you're craving sushi.

Regions Info

  • North America
    82%
  • Europe Developed
    7%
  • Japan
    3%
  • Australasia
    1%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

With 82% in North America, this portfolio screams "home bias" louder than an eagle on the 4th of July. While domestic markets are comfortable, ignoring the global banquet on offer is like going to an international food festival and only eating burgers. Expanding your palate could not only be more exciting but potentially more rewarding.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    23%
  • Mid-cap
    19%
  • Small-cap
    15%
  • Micro-cap
    4%

The market cap allocation is like a confused teenager, not sure whether to hang out with the cool big kids (mega and big caps) or the edgy small caps. While there's a decent spread across the board, the heavy lean towards larger companies with a sprinkle of small caps feels like a half-hearted attempt at diversification. Remember, small caps can provide growth, but they also bring drama.

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.

On the Efficient Frontier, this portfolio is like a kid trying to fit a square peg in a round hole – it doesn't quite get there. Efficiency isn't just about chasing high returns; it's about getting the best returns for the level of risk you're comfortable with. This portfolio swings for the fences but forgets to wear a helmet.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.60%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Invesco S&P International Developed Momentum ETF 1.90%
  • Vanguard S&P 500 ETF 1.20%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Invesco S&P SmallCap Momentum ETF 0.80%
  • Weighted yield (per year) 1.32%

The dividend yield strategy here is like finding loose change under the sofa cushions; it's nice but won't pay the bills. A total yield of 1.32% is better than a sharp stick in the eye, but if you're relying on this income, you might want to start looking for more cushions to dig under.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Vanguard S&P 500 ETF 0.03%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Invesco S&P SmallCap Momentum ETF 0.39%
  • Weighted costs total (per year) 0.14%

The total TER of 0.14% is one of the few areas where this portfolio doesn't shoot itself in the foot. It's like finding a cheap, reliable car that doesn't break down every other mile. In a world where fees can eat into your returns like termites in a wooden house, this is a well-done aspect.

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