This portfolio has only about 1.4 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.

High-risk high-reward portfolio with heavy concentration in SoFi Technologies and speculative assets

Report created on Jul 19, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio is highly concentrated, with 60% of its value in SoFi Technologies Inc., a common stock, followed by 25% in the Vanguard S&P 500 ETF, and smaller allocations in the iShares Bitcoin Trust and Tidal Trust II ETFs. This composition indicates a speculative risk profile, leaning heavily on the performance of a single company and speculative assets like Bitcoin. The diversification is minimal, categorized as single-focused, with a high-risk score of 7 out of 7.

Growth Info

Historically, this portfolio has shown an impressive Compound Annual Growth Rate (CAGR) of 60.54%, with a significant maximum drawdown of -39.47%. It's notable that a small number of days contributed disproportionately to the returns, highlighting the portfolio's volatility and the speculative nature of its gains. This performance, while remarkable, carries a high level of risk.

Projection Info

Monte Carlo simulations, using a thousand iterations, suggest a wide range of potential outcomes, from a 5th percentile growth of 981% to a 67th percentile at an extraordinary 30,955.6%. While these projections offer optimistic scenarios, they also underscore the speculative and highly volatile nature of this portfolio. Remember, Monte Carlo simulations are based on historical data, and past performance is not a reliable indicator of future results.

Asset classes Info

  • Stocks
    89%
  • Other
    10%
  • Cash
    1%

The portfolio's asset allocation leans heavily towards stocks (89%), with a significant speculative position in 'Other' asset classes, primarily through the iShares Bitcoin Trust (10%). This composition underscores the portfolio's aggressive growth strategy but also its susceptibility to market volatility and sector-specific risks.

Sectors Info

  • Financials
    65%
  • Technology
    10%
  • Telecommunications
    3%
  • Consumer Discretionary
    3%
  • Health Care
    3%
  • Industrials
    2%
  • Consumer Staples
    1%
  • Utilities
    1%
  • Energy
    1%
  • Real Estate
    1%

Sector allocation is heavily weighted towards Financial Services (65%), largely due to the substantial position in SoFi Technologies. The remaining sectors, including Technology, Communication Services, and others, represent much smaller portions of the portfolio. This concentration increases the portfolio's exposure to the financial sector's performance and regulatory changes.

Regions Info

  • North America
    90%

Geographic exposure is overwhelmingly North American (90%), with no allocation to developed markets in Europe or Asia. This concentration in a single region, while potentially capitalizing on local market growth, limits global diversification and exposes the portfolio to region-specific economic and political risks.

Market capitalization Info

  • Large-cap
    70%
  • Mega-cap
    12%
  • Mid-cap
    5%
  • Small-cap
    2%

The portfolio's market capitalization exposure is predominantly in big (70%) and mega-cap (12%) companies, likely due to the Vanguard S&P 500 ETF. However, the heavy investment in SoFi Technologies, a smaller company, suggests a willingness to embrace higher volatility and potential growth associated with smaller cap investments.

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.

Considering the portfolio's speculative nature and high concentration in a single stock and Bitcoin, it's positioned far from the Efficient Frontier, indicating that there may be opportunities to achieve a better risk-return ratio through diversification. Optimization should focus on broadening exposure across asset classes and sectors to enhance risk-adjusted returns.

Dividends Info

  • Tidal Trust II 111.40%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 5.87%

The portfolio's dividend yield is skewed by the unusually high yield reported for Tidal Trust II, at 111.40%, which may not be sustainable. The Vanguard S&P 500 ETF provides a more traditional dividend yield of 1.20%. Investors should consider the sustainability and source of dividends in assessing income potential.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Tidal Trust II 1.14%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.08%

The Total Expense Ratio (TER) of 0.08% is remarkably low, enhancing the portfolio's return potential by minimizing costs. However, the individual costs of the holdings vary, with Tidal Trust II being significantly higher at 1.14%. Keeping costs low is crucial for maximizing long-term returns, especially in a speculative portfolio.

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