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A tech-heavy rollercoaster that thinks diversification is a tech sub-sector

Report created on Aug 2, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

At first glance, this portfolio screams "I trust tech more than I trust my grandmother's cooking." With a whopping 70% parked in just technology and cybersecurity, it's like betting most of your farm on two very spirited horses. While the Vanguard ETFs pretend to offer a semblance of diversification, the tech and cybersecurity focus turns this portfolio into a one-trick pony with a silicon chip.

Growth Info

Historically, this portfolio has been the cool kid at the party with a CAGR of 14.18%. But let's not forget, even the coolest kids have bad days. That -33.30% max drawdown is a sobering reminder that what goes up can come crashing down, especially when your eggs are mostly in one basket. Those 32 days carrying 90% of returns? They're like winning the lottery – great if you hit them, catastrophic if you miss.

Projection Info

Monte Carlo simulations are the crystal ball of investing, showing us 1,000 different futures. This portfolio's future ranges from "modest yacht" to "tech tycoon," with a median increase of 499.3%. But remember, simulations are as reliable as predicting next year's weather. That 5th percentile forecast? It suggests there's a world where things don't go so smoothly. Diversify, unless you enjoy financial heart palpitations.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% in stocks and a token 1% in cash, this portfolio is like a car with only one gear - fast. There's no buffer for when the market hits a speed bump. Stocks can offer great returns, but they're also the first to cry when the market gets tough. A little more cash or bonds might not be as exciting as tech stocks, but they could save you from a crash.

Sectors Info

  • Technology
    47%
  • Financials
    12%
  • Industrials
    9%
  • Consumer Discretionary
    7%
  • Health Care
    7%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Energy
    2%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    2%

Tech at 47%? This isn't diversification; it's a love affair with Silicon Valley. While tech has been the belle of the ball, sectors like healthcare, energy, and utilities are standing awkwardly in the corner, waiting for a dance. They might not be as flashy, but they can stabilize your portfolio when tech's volatility shows up uninvited.

Regions Info

  • North America
    79%
  • Europe Developed
    9%
  • Asia Emerging
    4%
  • Japan
    3%
  • Asia Developed
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

North America at 79%? This portfolio's geography lesson stopped at the U.S. border. Yes, the U.S. market is a powerhouse, but ignoring Europe, Asia, and emerging markets is like skipping chapters in a global economics book. Diversifying globally can spread risk and tap into growth outside the American tech bubble.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    31%
  • Mid-cap
    20%
  • Small-cap
    6%
  • Micro-cap
    2%

Mega and big caps dominate, making this portfolio a fan of the market's giants. While these companies are the backbone of the economy, ignoring medium, small, and micro caps is like eating only carbs – satisfying in the short term but missing out on the full nutritional spectrum. Smaller companies can offer growth spurts that big ones can't.

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.

When it comes to the Efficient Frontier, this portfolio is like a car trying to hit peak performance with only one type of fuel. Sure, tech can turbocharge returns, but without diversification, you're risking a breakdown. Efficient portfolios balance risk and return – this one's just flooring the gas pedal and hoping for the best.

Dividends Info

  • First Trust NASDAQ Cybersecurity ETF 0.30%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.28%

The dividend yield is like the portfolio's attempt at a savings account, but at 1.28%, it's more of a piggy bank than a high-yield savings account. While not relying solely on dividends is okay, overlooking their compound growth potential is like ignoring free money on the sidewalk.

Ongoing product costs Info

  • First Trust NASDAQ Cybersecurity ETF 0.59%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.13%

The overall TER of 0.13% is surprisingly reasonable, like finding a designer suit at a thrift store price. However, don't let low fees distract you from the portfolio's high-risk, high-tech strategy. Saving on fees is smart, but not if your entire strategy is betting on a single, volatile sector.

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