Roast mode 🔥

A well-intentioned portfolio that accidentally enrolled in a diversification marathon

Report created on Jul 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

Starting with the portfolio composition, we've got a mix that screams "I read an investing for dummies book once and this is what I remember." There's a valiant attempt at diversification here, with a heavy lean on ETFs, which isn't a bad strategy per se. However, the allocation feels like throwing darts at a board of asset classes while blindfolded. The heavy tilt towards real estate and tech, with a sprinkle of bonds to feel responsible, is like dieting all week and then going all-in on pizza and ice cream for the weekend.

Growth Info

Looking at historical performance, a CAGR of 9.67% with a max drawdown of -15.10% isn't terrible, but let's be honest, it's like being the best player on a mediocre local sports team. The days contributing 90% of returns being so few hints at a ride more volatile than a teenager's mood swings. It's the financial equivalent of "all my exes live in Texas" – concentrated and risky.

Projection Info

The Monte Carlo simulation, which is less about fancy casinos and more about predicting how your portfolio might perform, suggests a wild ride between losing a bit and doubling your money. With a median projection of a 156.7% increase, it's like betting on a horse because you like its name – it could win big, but let's not plan retirement on it.

Asset classes Info

  • Stocks
    66%
  • Cash
    11%
  • Real Estate
    10%
  • Bonds
    10%
  • No data
    3%

The asset class spread seems to have been chosen with a "variety is the spice of life" philosophy – stocks, bonds, real estate, and a dash of 'what is this even?' The problem is, this isn't cooking; it's investing. A 10% allocation to bonds that barely beat inflation is like bringing a knife to a gunfight, and the real estate obsession might leave you house-rich but cash-poor in a downturn.

Sectors Info

  • Real Estate
    21%
  • Technology
    19%
  • Financials
    8%
  • Consumer Discretionary
    7%
  • Telecommunications
    6%
  • Industrials
    6%
  • Health Care
    5%
  • Consumer Staples
    3%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    1%

The sector allocation is like having a diet consisting mainly of meat and potatoes – lacking in greens and variety. With a tech and real estate feast, you're banking heavily on Silicon Valley and the housing market. It's a "go big or go home" bet that ignores the healthy balance provided by sectors like healthcare or utilities, which are the investing equivalent of eating your vegetables.

Regions Info

  • North America
    56%
  • Europe Developed
    9%
  • Japan
    5%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation leans heavily on North America, with a timid glance at the rest of the world. It's like deciding to travel internationally but only going as far as Canada. Diversification means exploring beyond your backyard, and this portfolio could use a few more stamps in its passport to mitigate the risk of a home market downturn.

Market capitalization Info

  • Mega-cap
    26%
  • Large-cap
    24%
  • Mid-cap
    19%
  • Small-cap
    5%
  • Micro-cap
    1%

The market cap spread has a clear preference for the big guys, with a smattering of medium and almost a dismissive wave at small and micro caps. It's like only making friends with popular kids and ignoring everyone else at school. Diversifying across market caps can provide growth opportunities and reduce risk, making your portfolio less of a one-trick pony.

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.

The portfolio's current state versus its more efficient potential is like comparing a cluttered, disorganized desk to a well-organized workspace. The promise of a higher expected return at the same risk level is like realizing you could have been doing half the work for the same grade. The real kicker? That optimal portfolio's expected return of 4.40% at a lower risk suggests there's room to tidy up for better outcomes.

Dividends Info

  • iShares Floating Rate Bond ETF 4.90%
  • JPMorgan Nasdaq Equity Premium Income ETF 10.50%
  • iShares® 0-3 Month Treasury Bond ETF 4.20%
  • Vanguard Real Estate Index Fund ETF Shares 3.90%
  • Vanguard Global ex-U.S. Real Estate Index Fund ETF Shares 4.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 4.10%

The dividend yield strategy is like picking movies based solely on their box office success – you might get some winners, but you're missing out on the critically acclaimed gems. A 4.10% total yield is decent, but relying too heavily on dividends, especially from sectors like real estate, can be risky in economic downturns.

Ongoing product costs Info

  • iShares Floating Rate Bond ETF 0.15%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard Global ex-U.S. Real Estate Index Fund ETF Shares 0.12%
  • 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) 0.12%

The total expense ratio (TER) of 0.12% is surprisingly reasonable, like finding a designer item at a thrift store price. It's one of the few areas where this portfolio doesn't overindulge, maintaining a lean approach to costs amidst its other excesses.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey