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Tech-obsessed portfolio with a sprinkle of gold and a dash of international flavor

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.

What type of investor this portfolio is suitable for

Growth Investors

This portfolio is perfect for the investor who loves living on the edge, with a tech obsession that rivals their need for speed. It's for someone who believes that fortune favors the bold, but might not have a plan for when things go south. High risk tolerance is a given, aiming for rapid growth over stability. This investor doesn't just ride rollercoasters—they look for the next thrill, even if it means potential stomach flips. Long-term planning might seem like a buzzkill, but even thrill-seekers need a safety net.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    25.00%
  • Vanguard Information Technology Index Fund ETF Shares
    VGT - US92204A7028
    20.00%
  • Global X Artificial Intelligence & Technology ETF
    AIQ - US37954Y6326
    10.00%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    10.00%
  • VanEck Semiconductor ETF
    SMH - US92189F6768
    10.00%
  • Vanguard Growth Index Fund ETF Shares
    VUG - US9229087369
    10.00%
  • SPDR Gold Mini Shares
    GLDM - US98149E3036
    5.00%
  • Vanguard Extended Market Index Fund ETF Shares
    VXF - US9229086528
    5.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    5.00%

At first glance, your portfolio screams "I love technology more than my childhood toys." With a whopping 58% in tech, it's like betting on a single horse in a race where the track changes daily. The diversification here is more theoretical than practical, akin to wearing different colored socks to claim a fashion statement. While variety is the spice of life, in the investment world, this kind of spice can lead to indigestion.

Growth Info

Historically, this tech-heavy portfolio has soared with a CAGR of 18.78%, making it look like the golden child of investments. However, with great power comes great volatility. That -32.87% max drawdown is a stark reminder that what goes up can come crashing down, and not always softly. It's like riding a rollercoaster blindfolded—you know there will be ups and downs, but you can't see when or how intense they'll be.

Projection Info

Monte Carlo simulations suggest a future brighter than a supernova, with a median increase of 809.9%. But remember, simulations are like weather forecasts for your investments: generally right until you plan a picnic. They don't account for black swan events—those unpredictable shocks that can turn your portfolio picnic into a washout. Planning for every season might be wise.

Asset classes Info

  • Stocks
    94%
  • Other
    5%
  • Cash
    1%
  • No data
    0%

With 94% in stocks, your portfolio is like a diet consisting solely of red meat—rich and potentially rewarding but lacking in essential nutrients. The 5% "Other" is as mysterious as a secret sauce, and the 1% cash is like leaving just enough room for dessert. Broadening your dietary, I mean, investment horizons could help balance your financial health.

Sectors Info

  • Technology
    58%
  • Telecommunications
    8%
  • Consumer Discretionary
    8%
  • Financials
    6%
  • Industrials
    5%
  • Health Care
    4%
  • Consumer Staples
    2%
  • Energy
    1%
  • Basic Materials
    1%
  • Real Estate
    1%
  • Utilities
    1%

This portfolio has a tech addiction so severe it might need an intervention. While technology has been the belle of the ball, sectors like consumer cyclicals and financial services are like the wallflowers—there, but barely noticed. Remember, even Cinderella had to leave the ball. Spreading your dance cards across more sectors might prevent turning pumpkins into carriages at midnight.

Regions Info

  • North America
    85%
  • Europe Developed
    3%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Japan
    1%
  • Latin America
    0%
  • Australasia
    0%
  • Africa/Middle East
    0%
  • Europe Emerging
    0%

With 85% in North America, this portfolio is like saying, "I've traveled the world!" because you've been to Canada, Mexico, and the U.S. The minimal exposure to Europe, Asia, and the non-existent allocations to Latin America, Australasia, and Africa/Middle East make it clear that international diversification is more an afterthought than a strategy. It's a big world out there—explore it.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    29%
  • Mid-cap
    13%
  • Small-cap
    5%
  • Micro-cap
    2%

Your portfolio's love affair with mega and big caps is like only watching blockbuster movies and ignoring indie films. Sure, the big names often promise a good show, but the smaller companies can offer surprising performances. With only 7% in small and micro-caps, you're missing out on potential growth stories that could add depth and character to your investment narrative.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Invesco NASDAQ 100 ETF
    Vanguard Information Technology Index Fund ETF Shares
    Vanguard Growth Index Fund ETF Shares
    High correlation

The high correlation among your top holdings is like having four different navigation apps telling you to take the same traffic-jammed route. It feels redundant and doesn't help you avoid potential downturns effectively. Diversifying your assets is like having a secret backroad map—it can get you to your destination more smoothly, even when the main roads are blocked.

Dividends Info

  • Global X Artificial Intelligence & Technology ETF 0.10%
  • Invesco NASDAQ 100 ETF 0.50%
  • VanEck Semiconductor ETF 0.30%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Extended Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 0.68%

Your dividend yield strategy is as conservative as ordering vanilla ice cream at a gourmet gelato shop. With a total yield of 0.68%, it's clear that income generation is not the priority here, but even growth-focused portfolios can benefit from the occasional cash infusion. Think of dividends as a small, steady income that can buy more vanilla—or maybe even pistachio next time.

Ongoing product costs Info

  • Global X Artificial Intelligence & Technology ETF 0.68%
  • SPDR Gold Mini Shares 0.10%
  • Invesco NASDAQ 100 ETF 0.15%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Extended Market Index Fund ETF Shares 0.06%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.16%

The total expense ratio (TER) of 0.16% is surprisingly reasonable given the tech-heavy tilt. It's like finding a luxury item at a bargain price—pleasing, yet rare. Kudos for managing to keep costs under control amid the high-flying sectors. It's a small win, but in the world of investing, every little bit helps.

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.

Your portfolio's efficiency is like a car that's all horsepower but no handling. Sure, it can go fast, but can it navigate the twists and turns of the market without skidding? The optimal portfolio suggestion hints at better risk-adjusted returns, which is like upgrading to a model with better safety features. You don't have to sacrifice speed for security; you can have both.

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