Roast mode 🔥

A tech obsessed growth rocket that forgot diversification is not a decorative checkbox

Report created on Feb 2, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This thing is basically “US mega cap tech and friends” with a flimsy diversification sticker slapped on it. Around 80% sits in two US index ETFs that overlap like crazy, and then you doubled down with single-stock bets in Amazon and Alphabet for dessert. That’s not diversification; that’s replaying the same song louder. Compared to a classic balanced portfolio or even a broad global equity mix, this is way more concentrated in one specific style and region. If the goal is real diversification, consider adding genuinely different stuff: other regions, other asset types, and maybe something that doesn’t instantly die when US growth stocks sneeze.

Growth Info

Historically, this portfolio has been riding the tech-fueled rocket: a ~16% CAGR is wild. If someone had dropped $10,000 in years ago, they’d be sitting on roughly $44,000 after 10 years at that rate, which feels great… until you remember markets are not obligated to repeat the last decade. For context, a plain vanilla global equity index has usually done closer to 7–9% over long stretches. Also, a max drawdown of about −28% means it can punch you in the face fast. Treat this track record as “nice backstory,” not a promise. Past data is like yesterday’s weather: informative, not a prophecy.

Projection Info

The Monte Carlo simulation basically threw 1,000 dice at your future and said, “You’ll probably be fine… unless you’re not.” Monte Carlo just runs many random scenarios using past-like returns and volatility to guess possible outcomes. Median result around +763% looks incredible, but that’s assuming the party keeps going. The 5th percentile at about +69% shows that in a bad but not apocalyptic world, growth could be underwhelming for the risk taken. Annualized 20% in the simulations is frankly optimistic; markets rarely hand that out for long. Use these projections as a rough weather map, not a life guarantee. Assume reality will be messier and occasionally rude.

Asset classes Info

  • Stocks
    100%

Asset classes here are hilariously simple: 100% stocks, 0% anything else. This is like building a house entirely out of glass because it looks great in the sunlight, and then acting surprised when hail season arrives. No bonds, no cash buffer, no real diversifiers — just pure equity beta. For a growth profile, heavy stocks make sense, but this is “all gas, no brakes.” If the aim is to stay invested through rough markets without panicking, sprinkling in assets that don’t move exactly like stocks can help cushion hits. Think of it as adding shock absorbers instead of relying solely on your spine.

Sectors Info

  • Technology
    33%
  • Telecommunications
    15%
  • Consumer Discretionary
    15%
  • Financials
    10%
  • Health Care
    8%
  • Industrials
    7%
  • Consumer Staples
    4%
  • Energy
    2%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

Sector-wise, you’re basically saying, “Technology, Communication Services, and Consumer Cyclicals will carry us forever, thanks.” Tech at 33% plus big chunks in comms and consumer cyclicals means your portfolio is deeply tied to growthy, sentiment-sensitive stuff. Financials, healthcare, industrials and the rest get cameo roles, but they’re not steering the ship. In a downturn where high-multiple darlings get smacked, this lineup can drop fast while more boring sectors hold up better. A more balanced approach would give dull sectors a real seat at the table. Boring often pays rent when the flashy stuff is unemployed.

Regions Info

  • North America
    90%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

Geography check: this is basically “United States: The Portfolio.” With about 90% in North America and tiny scraps tossed to Europe and Asia, the rest of the world is treated like a side quest. That works great when the US is the star of the global show, which it has been, but that’s not guaranteed forever. Other regions have different economic cycles, currencies, and sector mixes that can smooth the ride over time. To avoid having your entire financial life hinge on US policy, US valuations, and US corporate earnings, slowly boosting true non-US exposure would make this less of a patriotic gamble.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    32%
  • Mid-cap
    15%
  • Small-cap
    1%

Market cap tilt: mega and large caps absolutely dominate here, with over 80% in mega and big names. This is the “own all the headliners, ignore the openers” strategy. It’s stable-ish in the sense that these companies are established, widely followed, and less likely to vanish — but it also leans hard into what’s already won. Small and mid caps barely register, so you’re missing the part of the market that can behave differently and sometimes outperform over long stretches. No need to turn it into a small-cap clown car, but giving the underdogs a bit more space could reduce dependence on a handful of mega cap giants behaving perfectly.

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.

From a risk–return efficiency angle, this thing is a muscle car with no traction control. “Efficient” means getting the most return for each unit of pain (volatility) you’re taking, not daydreaming about high returns with no risk. Here, you’re stacking risk on top of risk — tech-heavy, US-heavy, growth-heavy — which may boost returns, but also makes drawdowns nastier than they need to be for the same long-term outcome. A more efficient mix would keep a similar expected return while trimming some redundancy: fewer overlapping funds, more genuinely different assets, and a bit of ballast. Right now, you’re overpaying in stress per unit of extra upside.

Dividends Info

  • Alphabet Inc Class A 0.20%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 1.07%

Dividend yield at around 1% is basically coffee money, not an income strategy. Clearly this setup is hunting growth, not checks in the mail, which is fine — just don’t pretend this is a “pay the bills” portfolio. The international ETF is doing most of the dividend heavy lifting, while the tech-heavy parts and the individual growth stocks are more about price appreciation. That’s great when markets are climbing, but in long sideways or down markets, dividends can be the only visible progress. If future income matters at all, gradually shifting a slice toward more reliable payers later on could help avoid living off vibes alone.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

Costs are the one area where this portfolio actually looks like it read a book. A total TER around 0.05% is impressively low — you basically tripped and fell into the right ETFs. Low fees matter because they quietly steal less from your returns every year; paying 1% vs 0.05% over decades is like tipping your waiter your entire meal. The only mild dig here is that the overlapping exposure between S&P 500 and NASDAQ 100 means you’re paying twice to own many of the same names. Tightening the structure without raising fees would make this lean machine even cleaner.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey