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Tech-heavy portfolio dances on the edge of volatility with a mono-sector love affair

Report created on Jul 19, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

Looking at this portfolio, it's like someone thought the entire stock market was just Silicon Valley on steroids. With a whopping 80% in the Vanguard Information Technology Index Fund ETF Shares, it’s less diversified and more of a tech fan club membership card. The remaining slices with Vanguard Growth and S&P 500 ETFs are like adding a dash of salt to a meal that's already 99% salt. The diversification here is so low, it might as well be a binary bet on whether tech stocks will forever ascend or not.

Growth Info

Historically, this portfolio has ridden the tech wave with a CAGR of 21.30%, which sounds fantastic until you remember that tech's volatility is like a roller coaster designed by a mad scientist. The max drawdown of -34.80% is a stark reminder that what goes up in the tech sector can come crashing down even faster. It's like winning the lottery but then losing the ticket in a gust of wind.

Projection Info

The Monte Carlo simulation, which is essentially a fancy way of saying "educated guessing game," shows a wild range from 150.3% to over 1,332.5% in potential outcomes. This spread is so wide you could drive a fleet of Teslas through it. It suggests that while you might end up on a yacht, there's just as good a chance you'll be looking for spare change under the couch cushions. Betting the farm on tech might not be the retirement strategy you were hoping for.

Asset classes Info

  • Stocks
    100%

Diversification across asset classes? More like a no-show. With 100% in stocks and precisely 0% in anything that might soften a blow during market downturns, this portfolio is like driving a convertible with the top down, in the rain, without a windshield. A little allocation towards bonds or real estate might not be as sexy as tech stocks, but at least they'll keep you dry when the storm hits.

Sectors Info

  • Technology
    88%
  • Telecommunications
    3%
  • Consumer Discretionary
    3%
  • Financials
    2%
  • Industrials
    1%
  • Health Care
    1%
  • Consumer Staples
    1%

The sector allocation here screams, "I only listen to techno!" With 88% in technology, it's clear there's a sector addiction problem. The sprinkle of communication services, consumer cyclicals, and what amounts to financial table scraps doesn't provide balance; it's more like pretending to eat your vegetables by nibbling on a single carrot. Broadening your sector horizons might introduce you to some music genres you never knew you liked.

Regions Info

  • North America
    99%

The geographic allocation is like believing America is the center of the universe with 99% allocated to North America. While U.S. markets are significant, ignoring the rest of the globe's investment opportunities is like refusing to acknowledge that pizza exists outside of New York. A little international exposure could spice things up without turning your portfolio into an around-the-world cruise.

Market capitalization Info

  • Mega-cap
    53%
  • Large-cap
    26%
  • Mid-cap
    12%
  • Small-cap
    6%
  • Micro-cap
    2%

The market capitalization tilt towards mega (53%) and big (26%) caps is like only hanging out with the popular kids. Sure, they're cool, but you're missing out on the quirky charms and potential growth stories of smaller companies. Diversifying across different sizes could make your portfolio's social circle a bit more interesting and resilient.

Redundant positions Info

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

With assets as highly correlated as a boy band, where if one member gets a cold, they all sneeze, this portfolio's diversification is more illusion than reality. The Vanguard Information Technology, Growth Index Fund, and S&P 500 ETFs move together like synchronized swimmers. Mixing in some uncorrelated assets could turn this one-trick pony into a more balanced circus act.

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 risk vs. return, this portfolio is playing a high-stakes game without a safety net. The Efficient Frontier is about finding that sweet spot where you're not taking on more risk than necessary for your returns. Right now, you're on the edge, juggling dynamite. Some diversification could move you back from the cliff and towards a more sustainable place on that frontier.

Dividends Info

  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Weighted yield (per year) 0.52%

The dividend yield across this portfolio is like finding loose change in the couch — it's nice but won't pay the bills. A total yield of 0.52% is not going to fund a lavish retirement unless you're planning to live off ramen noodles. Considering some higher-dividend options could add a nice income stream to your tech-heavy growth strategy.

Ongoing product costs Info

  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.09%

On a brighter note, the total expense ratio (TER) of 0.09% is like finding a luxury car with economy pricing. It's one of the few areas where this portfolio doesn't need a reality check. Kudos on keeping costs low; at least you won't be bleeding money in fees while you ride the tech roller coaster.

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