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A high-flying portfolio that thinks diversification is for the weak at heart

Report created on Jul 18, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

At first glance, this portfolio screams "I love the S&P 500 and anything that moves with it." With a hefty 25% parked in a Vanguard S&P 500 ETF and another 15% each in Schwab's U.S. Large-Cap Growth and VanEck's Semiconductor ETF, it's like betting on the same horse, in different races. It's the financial equivalent of wearing different shades of blue and insisting your wardrobe is 'diverse.' The inclusion of a single stock like Alphabet and AMD, while spunky, doesn't exactly scream originality in a tech-heavy tilt. It's like adding a dash of pepper to a meal that's already spicy.

Growth Info

With a CAGR of 20.63%, it's hard not to be momentarily dazzled, like staring directly at the sun. But then you see the max drawdown of -54.01%, and it's like realizing that sunburn is part of the deal. Those days that make up 90% of the returns? Just 38 of them. It's the financial equivalent of sprinting; exhilarating until you trip. This portfolio has enjoyed the tech and large-cap rally but remember, past performance is like rearview mirror glances—it doesn't predict the road ahead.

Projection Info

Monte Carlo simulations spit out numbers like a slot machine, but remember, they're built on historical data, which, as we've established, is as predictive as a magic 8-ball. A 50th percentile projection of 1,313.3% sounds like winning the lottery until you remember the odds and the volatility involved. The range from the 5th to the 67th percentile should be a wakeup call. This portfolio could either be a rocket or a rollercoaster—exciting, yes, but secure, hardly.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

Stocks make up 90% of this portfolio, with a mysterious "Other" category covering the remaining 10%. This is like packing for a vacation with only swimsuits and then wondering why you're cold at night. The lack of bonds, real estate, or even a significant cash position for balance is like going into a storm without an umbrella—brave but unnecessarily risky.

Sectors Info

  • Technology
    42%
  • Telecommunications
    14%
  • Financials
    7%
  • Consumer Discretionary
    7%
  • Health Care
    6%
  • Industrials
    5%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    1%
  • Utilities
    1%
  • Real Estate
    1%

With 42% in technology, it's clear where the heart of this portfolio lies. But tech's infamous volatility is like weather in the mountains—unpredictable and sometimes harsh. The smattering across other sectors feels like an afterthought, the kind you have when you're halfway through a road trip and realize you forgot to pack socks. It's tech-heavy, with a side of "oh, right, other sectors exist too."

Regions Info

  • North America
    87%
  • Asia Developed
    2%
  • Europe Developed
    1%

An 87% allocation to North America, with a token nod to Asia and Europe, suggests a fear of flying over international waters. This portfolio's geographic diversity is like claiming you're worldly because you once ate at an international food court. Expanding horizons beyond the familiar could reduce risk and tap into growth opportunities elsewhere.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    28%
  • Mid-cap
    12%
  • No data
    10%
  • Small-cap
    2%

With 47% in mega-caps, this portfolio is like a fanboy at a rock concert, obsessed with the headliners but oblivious to the up-and-coming bands. The excitement is understandable—big names feel safer, like a security blanket. But ignoring smaller caps is like refusing to try new foods; you miss out on potential delights (and growth).

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    High correlation

The high correlation between the Vanguard Total Stock Market Index Fund ETF Shares, Schwab U.S. Large-Cap Growth ETF, and Vanguard S&P 500 ETF is like buying three kinds of vanilla ice cream and expecting a flavor explosion. In a downturn, this portfolio will move in unison—downwards. Diversification means spreading your bets, not doubling down on the same number.

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.

This portfolio is as optimized for diversification as a unicycle is for off-roading. The heavy overlap in highly correlated assets is like packing multiple pairs of shoes for a trip and realizing they're all left-footed. Before even thinking about 'optimizing,' there's a need to redefine diversification. It's not just about adding more; it's about adding different.

Dividends Info

  • Alphabet Inc Class C 0.40%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 0.95%

Leaning on dividends from this setup is like expecting a Chihuahua to pull a sled—it's optimistic, if unrealistic. With a total yield of 0.95%, it's clear that income isn't the goal here, but even for growth, a bit more balance wouldn't hurt. After all, dividends can be the steady hand that soothes when markets get choppy.

Ongoing product costs Info

  • iShares Gold Trust 0.25%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.10%

The overall TER of 0.10% is commendably low, like finding a luxury car with economy fuel efficiency. It's one of the few areas where this portfolio shines, proving that at least some attention was paid to the cost of ownership. It's like buying a racehorse but feeding it on a budget—efficient, if somewhat contradictory to the rest of the strategy.

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