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A love letter to tech stocks and the illusion of diversification

Report created on Aug 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is like that one friend who claims to be adventurous but always orders the same dish at different restaurants. With a whopping 88% in just two flavors of Vanguard ETFs and a sprinkling of Invesco's tech seasoning, it's less of a diversified portfolio and more of a tech-heavy, large-cap echo chamber. It's the financial equivalent of putting all your eggs in one basket and then asking why all your eggs look the same.

Growth Info

Historically, this portfolio has been riding the tech wave with a CAGR that would make most investors green with envy. But let's not forget, this performance comes with a side of volatility that could give you indigestion. With a maximum drawdown of -25.83%, it's like enjoying a roller coaster ride until you realize you're not strapped in. Days contributing to 90% of returns being so few is like winning the lottery — great if it happens, but not a strategy.

Projection Info

Monte Carlo simulations are essentially a financial crystal ball, giving a range of possible futures based on past performances. In this portfolio's case, the future looks bright for the most part, but it's like predicting weather in the tropics — sunny forecasts with a chance of devastating hurricanes. Betting heavily on tech and large caps might feel like a no-brainer until you're the 7 out of 1,000 simulations that didn't end up so rosy.

Asset classes Info

  • Stocks
    100%

Diversity in asset classes? Apparently, a foreign concept here, with a 100% allocation to stocks. This is like going to a buffet and only eating from the dessert section — fantastic until the sugar crash. A sprinkle of bonds or real estate might not be as exciting as tech stocks, but they could save you from a financial stomachache later.

Sectors Info

  • Technology
    35%
  • Financials
    12%
  • Consumer Discretionary
    11%
  • Telecommunications
    10%
  • Health Care
    9%
  • Industrials
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    2%

With 35% in technology, this portfolio has a bigger crush on tech than most teenagers on social media. Financial services, consumer cyclicals, and the gang are just there to make it look like there's a party, but really, it's a tech show. It's like packing for a vacation with only swimsuits and then realizing you're going to the Arctic.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

"Global diversification" must be a myth in this portfolio's universe, with 99% in North America. It's like saying you're worldly because you once ate at an international food court. The 1% in developed Europe is like buying a souvenir at the airport and claiming you've experienced the culture.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    34%
  • Mid-cap
    17%
  • Small-cap
    2%

This portfolio loves the big players, with 80% in mega and big caps. It's akin to only watching blockbuster movies and missing out on indie films — less risky, sure, but also potentially less rewarding. Small and micro caps are like the hidden gems of investing, offering growth potential that this portfolio is just too cool to acknowledge.

Redundant positions Info

  • Invesco QQQ Trust
    Invesco NASDAQ 100 ETF
    High correlation
  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The portfolio's highly correlated assets are like buying four different brands of vanilla ice cream and expecting a flavor explosion. The overlap between the Vanguard ETFs and Invesco's tech darlings offers as much diversification as different shades of white paint. It's a missed opportunity to spice things up and actually reduce risk.

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.

This portfolio's idea of optimization is like trying to lose weight by only eating green M&M's — a colorful attempt but missing the mark on health. The high correlation among assets suggests a misunderstanding of diversification. It's not just about collecting different investments; it's about making them work together in harmony, like a well-conducted orchestra, not a one-man band.

Dividends Info

  • Invesco QQQ Trust 0.50%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.12%

With a total yield of 1.12%, this portfolio isn't exactly a cash flow king. It's more like finding change under the couch cushions — nice to have, but you won't be funding a vacation with it. A little more attention to dividend-yielding assets could turn this trickle into a stream.

Ongoing product costs Info

  • Invesco QQQ Trust 0.20%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.05%

Here's a silver lining: the portfolio's overall cost is lower than a fast-food meal at 0.05% TER. It's like finding an affordable gem in a sea of overpriced jewelry. Kudos for not letting fees eat away at your returns, but remember, even the cheapest ride can crash if it's not on the right track.

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