Roast mode 🔥

A high-tech joyride with tunnel vision on the S&P 500 and NASDAQ

Report created on Dec 7, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio screams "I love big tech and I cannot lie," with a side of "what's diversification again?" Stacking 40% in an S&P 500 ETF and 25% in a NASDAQ 100 ETF is like ordering two large pepperoni pizzas and claiming you've diversified your dinner because one has extra cheese. The remaining 35% isn't helping much, with a heavy lean on tech via American Century and VanEck Semiconductor ETFs. It's like betting on horses but only picking the ones named after Silicon Valley CEOs.

Growth Info

With a CAGR of 24.83%, this portfolio has been on a hot streak, like a gambler on a lucky run in Vegas. But remember, what happens in Vegas doesn't always stay in Vegas. The -20.41% max drawdown is a stark reminder that the house can win too. Relying heavily on tech means when the sector sneezes, your portfolio could catch a cold. And with 90% of returns coming from just 20 days, it's more about being in the right place at the right time than strategic genius.

Projection Info

The Monte Carlo simulation, with its fancy name, is essentially a portfolio fortune teller, offering a glimpse into possible futures. But remember, it's about as reliable as a weather forecast two weeks out. Your portfolio's forecast looks sunny, with a median increase of 3,430.6%. But keep an umbrella handy; those simulations also suggest you could end up with a much slimmer 757% or a whopping 4,865.1%. It's a wide range, showing that while the future could be bright, it could also be less dazzling than expected.

Asset classes Info

  • Stocks
    100%

Having 100% in stocks is like playing poker with only face cards. Sure, they're powerful, but without variety, you're missing out on strategic plays. The lack of bonds, commodities, or real estate means you're riding the stock market rollercoaster with no safety net. It's thrilling until it isn't. Consider adding different asset classes to smooth out the ride and potentially improve your portfolio's resilience against market volatility.

Sectors Info

  • Technology
    46%
  • Consumer Discretionary
    10%
  • Financials
    10%
  • Telecommunications
    9%
  • Industrials
    7%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    1%

Your portfolio's tech obsession (46%) is like only eating dessert at a buffet; it's fantastic until the sugar crash. With significant chunks in consumer cyclicals and financial services, there's at least some attempt at balance, but it's like adding a salad to an all-cake diet. The underrepresentation of sectors like energy, utilities, and real estate shows a missed opportunity for diversification and stability, especially during tech's less stellar moments.

Regions Info

  • North America
    79%
  • Europe Developed
    9%
  • Asia Developed
    4%
  • Japan
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

With 79% of assets in North America, this portfolio has a home team bias that could limit global growth opportunities. It's like refusing to eat anything but American fast food; convenient, but you're missing out on a world of flavors. Expanding into more developed European and emerging Asian markets could add some much-needed international seasoning to this American feast.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    37%
  • Mid-cap
    16%
  • Small-cap
    2%

Leaning 44% on mega and 37% on big caps is like trusting all your secrets to the popular kids in school; it feels safe until it's not. While large companies can offer stability, ignoring smaller caps (only 2% in small caps) misses out on growth potential. It's like always betting on the heavyweight champion without considering the scrappy underdog who could surprise everyone.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Invesco NASDAQ 100 ETF
    High correlation

High correlation between the S&P 500 and NASDAQ 100 ETFs is like wearing a belt with suspenders; it's redundant and doesn't add style or function. This overlap doesn't just limit diversification; it amplifies risk, making your portfolio more vulnerable to market swings in the sectors these indexes favor. It's time to diversify your wardrobe – I mean, portfolio.

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.

Your portfolio's risk-return profile is like a sports car with bald tires; it's fast but could spin out on the first wet curve. Optimizing it isn't about adding more horsepower but about getting better traction through diversification. Mixing in assets that aren't moving in lockstep with your current holdings could help you maintain speed during market downturns without the skid risk.

Dividends Info

  • American Century ETF Trust 2.80%
  • Invesco NASDAQ 100 ETF 0.50%
  • VanEck Semiconductor ETF 0.30%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.17%

With a total yield of 1.17%, this portfolio isn't exactly a cash cow. It's more like a piggy bank you occasionally find a dollar in. While reinvesting dividends is a solid growth strategy, relying on it solely for income could leave you hungry if market volatility impacts payout consistency. Sprinkling in some higher dividend-yielding assets might be like adding a second income stream, offering a little more financial nourishment.

Ongoing product costs Info

  • American Century ETF Trust 0.31%
  • Invesco NASDAQ 100 ETF 0.15%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.16%

The total expense ratio (TER) of 0.16% is a rare glimmer of restraint in an otherwise exuberant portfolio. It's like finding out the sports car you bought gets surprisingly good gas mileage. While costs aren't eating into your returns today, keeping an eye on them is crucial as you diversify. Lower fees mean more of your money stays invested and working for you.

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