This portfolio has only about 1.3 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.
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A "diversified" portfolio that loves redundancy more than innovation

Report created on May 8, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

This portfolio seems to have been built on the principle of "more is more," with a dash of everything thrown in, hoping something sticks. It's like ordering one of every appetizer at a restaurant in hopes of a satisfying meal. With a heavy tilt towards large-cap ETFs and a sprinkle of speculative assets like cryptocurrency trusts, it's a buffet with too many flavors and not enough substance. There's an attempt at diversification, but it's like wearing different colored socks — it looks diverse at a glance, but it doesn't really change much.

Growth Info

Historically, this portfolio has performed like a roller coaster designed by a committee: lots of ups and downs but ultimately, a predictable ending. A CAGR of 21.63% sounds impressive until you realize it's riding on the coattails of a bull market, with a max drawdown of -19.81% ready to give investors a reality check. It's like winning a marathon because you were the only one with a bike — impressive, but not sustainable.

Projection Info

Monte Carlo simulations, the financial world's version of asking a crystal ball for advice, suggest this portfolio has a wide range of outcomes. With the 50th percentile projecting over a 1000% return, it sounds like a dream until you remember that simulations are as reliable as weather forecasts for next year. Betting your financial future on these numbers is like planning a picnic based on a sunny weather prediction in London — hopeful, but potentially wet and disappointing.

Asset classes Info

  • Stocks
    79%
  • Bonds
    16%
  • Other
    3%
  • No data
    1%

With stocks dominating 79% of the portfolio, it's clear this investor loves the thrill of the stock market more than the steady, boring reliability of bonds or other asset classes. It's like preferring roller coasters over merry-go-rounds — more exciting, but not everyone's stomach can handle it. The tiny allocation to bonds and "other" categories seems like an afterthought, like bringing an umbrella to a hurricane.

Sectors Info

  • Technology
    20%
  • Financials
    18%
  • Consumer Discretionary
    10%
  • Health Care
    6%
  • Industrials
    5%
  • Telecommunications
    5%
  • Consumer Staples
    4%
  • Energy
    3%
  • Utilities
    3%
  • No data
    3%
  • Real Estate
    2%
  • Basic Materials
    1%

The heavy tilt towards technology and financial services sectors shows a classic case of FOMO — fear of missing out on the next big tech boom. However, this approach neglects the stability offered by more diversified sector exposure. It's like building a sports team solely with quarterbacks and expecting to win — great for passing, but good luck defending anything.

Regions Info

  • North America
    74%
  • No data
    3%
  • Europe Developed
    2%
  • Asia Emerging
    1%
  • Japan
    1%

With 74% allocated to North America, this portfolio screams "home bias" louder than an eagle at a Fourth of July parade. It's like traveling to a foreign country and only eating at McDonald's — safe and familiar, but you miss out on the full experience and potential benefits of diversification.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    25%
  • Mid-cap
    15%
  • Small-cap
    5%
  • No data
    3%

The love affair with mega and big-cap companies suggests a fear of commitment to the volatile world of small and micro-caps. It's a conservative approach, akin to swimming with floaties in the shallow end — safe, but you'll never really learn to swim in the deep waters of the market.

Redundant positions Info

  • iShares Core U.S. Aggregate Bond ETF
    Vanguard Total Bond Market Index Fund ETF Shares
    High correlation
  • Vanguard Total World Stock Index Fund ETF Shares
    Vanguard S&P 500 ETF
    iShares Russell 1000 Growth ETF
    Invesco NASDAQ 100 ETF
    High correlation

The high correlation among the large-cap ETFs and bond ETFs in this portfolio is like having four remotes for the same TV — redundant and unnecessarily complicated. It shows a misunderstanding of diversification, thinking more of the same equals better. It's time to declutter and actually diversify.

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.

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The portfolio's attempt at optimization is like trying to tune a radio with a hammer. Sure, you might get a clear signal, but you're more likely to break something. The current setup is far from efficient, with too much overlap and not enough focus on true diversification. It's like packing for a trip by throwing everything you own into a suitcase — heavy, unwieldy, and not particularly useful.

Dividends Info

  • iShares Core U.S. Aggregate Bond ETF 3.80%
  • BlackRock Inc 2.20%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.70%
  • FT Cboe Vest Gold Target Income ETF 17.50%
  • iShares Russell 1000 Growth ETF 0.50%
  • iShares Russell Mid-Cap Growth ETF 0.40%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 6.10%
  • Janus Detroit Street Trust - Janus Henderson B-BBB CLO ETF 8.10%
  • SPDR® SSGA US Large Cap Low Volatility Index ETF 1.90%
  • iShares iBoxx $ Investment Grade Corporate Bond ETF 4.50%
  • Annaly Capital Management Inc 13.90%
  • iShares Preferred and Income Securities ETF 6.70%
  • Invesco NASDAQ 100 ETF 0.60%
  • Schwab U.S. Dividend Equity ETF 4.10%
  • SPDR® DoubleLine Total Return Tactical ETF 5.30%
  • Invesco Municipal Opportunity Trust 7.80%
  • Vanguard S&P 500 ETF 1.40%
  • Vanguard Total World Stock Index Fund ETF Shares 1.90%
  • Weighted yield (per year) 2.62%

The dividend strategy here is as coherent as a toddler's explanation of rocket science. With yields ranging wildly, it's clear there's no real strategy, just a hope that something, anything, pays off. It's like planting a garden by randomly throwing seeds and hoping for a salad — optimistic but unlikely to work as planned.

Ongoing product costs Info

  • iShares Core U.S. Aggregate Bond ETF 0.03%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • FT Cboe Vest Gold Target Income ETF 0.85%
  • iShares Russell 1000 Growth ETF 0.19%
  • iShares Russell Mid-Cap Growth ETF 0.23%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 0.21%
  • Janus Detroit Street Trust - Janus Henderson B-BBB CLO ETF 0.49%
  • SPDR® SSGA US Large Cap Low Volatility Index ETF 0.12%
  • iShares iBoxx $ Investment Grade Corporate Bond ETF 0.14%
  • iShares Preferred and Income Securities ETF 0.46%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • SPDR® DoubleLine Total Return Tactical ETF 0.55%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.12%

At least the costs are under control, with an average Total Expense Ratio (TER) of 0.12%. It's one of the few silver linings in a portfolio that otherwise seems to be throwing darts in the dark. It's like finding a perfectly good dollar bill on a sidewalk — nice, but not life-changing.

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