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A High-Flying Portfolio That Mistakes Overconcentration for Bravery

Report created on Nov 5, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

At first glance, this portfolio screams, "I love the S&P 500, but I also dabble in exotic spices." With 55% parked in an S&P 500 ETF, it’s like saying you’re adventurous for adding pepper to your mashed potatoes. The inclusion of an international small-cap ETF and two stocks (one being a grocery chain, of all things) is like throwing a dart blindfolded at a world map and only hitting your backyard. Moderately diversified? More like moderately confused.

Growth Info

With a CAGR (Compound Annual Growth Rate, or how fast your money grows each year, like your height did once upon a time) of 15.75%, it seems you've been riding the bull market like a rodeo star. However, that -30.03% max drawdown is the bucking bronco, reminding you that gravity exists. It’s like winning a marathon because you were chased by a bear: impressive, but can you repeat it without the bear?

Projection Info

Monte Carlo simulations, essentially a financial weather forecast using lots of math and historical data, suggest this portfolio could swing wildly. The 5th percentile at 35.2% growth feels like betting it all on black and it landing on red. Meanwhile, the 50th percentile at 481.8% suggests dreams of retirement on a yacht. But remember, simulations are as reliable as your 7-day weather app: take it with a grain of salt.

Asset classes Info

  • Stocks
    100%

Sticking to 100% stocks is like only eating meat and expecting to be healthy. Where are the veggies (bonds) and the occasional dessert (alternatives)? This all-in approach on equities is fine if you’re aiming for the moon, but you might find yourself stranded in space when the market takes a nosedive. A sprinkle of diversification across asset classes wouldn't hurt.

Sectors Info

  • Technology
    21%
  • Health Care
    20%
  • Consumer Staples
    18%
  • Financials
    10%
  • Consumer Discretionary
    8%
  • Industrials
    8%
  • Telecommunications
    6%
  • Basic Materials
    4%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    1%

The sector spread here is like having a diet consisting mainly of bread, water, and the occasional vegetable. Technology and healthcare are your bread and butter, making up a whopping 41% of your portfolio. It's great when tech is booming, but what happens when it busts? Your portfolio could use a few more ingredients to make a well-rounded meal.

Regions Info

  • North America
    86%
  • Europe Developed
    5%
  • Japan
    5%
  • Australasia
    2%
  • Africa/Middle East
    1%

With 86% in North America, it seems you’ve taken "America First" a tad too literally. Dabbling with just 5% in Europe and Japan is like saying you’re worldly because you once ate at an Italian restaurant and watched anime. The global market offers a buffet of opportunities; don’t limit yourself to the appetizers.

Market capitalization Info

  • Mega-cap
    41%
  • Small-cap
    21%
  • Large-cap
    19%
  • Mid-cap
    17%

Your market cap allocation is like having a friend group consisting of only gym rats and one intellectual. With 41% in mega-caps, it's clear you love the big players, but the 21% in small caps is like keeping a quirky friend around for diversity. This imbalance might keep things interesting, but it won’t necessarily keep you safe in a market downturn.

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 is like a race car optimized for straight tracks but forgets that courses have turns. The heavy tilt towards large-cap U.S. stocks and tech sector is great for bull markets but can veer off the road during corrections or bear markets. Balancing risk and return, not just chasing the latter, could prevent a crash and burn scenario.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.50%
  • Ingles Markets Incorporated 0.90%
  • Johnson & Johnson 2.70%
  • SPDR® Portfolio S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.67%

Your dividend yield strategy is like expecting a lemonade stand to pay for college. With a total yield of 1.67%, it’s clear dividends aren’t your focus. That’s fine if you’re betting on growth, but in lean times, those dividends could provide a nice cushion. Maybe consider balancing growth aspirations with a bit of income generation.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Weighted costs total (per year) 0.06%

Finally, something sensible: your costs are lower than a limbo stick at a retirement party. With a total expense ratio (TER) of 0.06%, you’re not bleeding money on fees, which is commendable. It’s like finding a cheap, reliable car that doesn’t constantly break down — not sexy, but smart.

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