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A haphazard mix of index funds and stock picks that screams "diversification for the sake of it"

Report created on Aug 17, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is like a buffet where you've piled up a bit of everything, hoping it tastes good together. With a heavy lean on index funds, particularly from Fidelity and Vanguard, it seems like an attempt at playing it safe, but then there's a sprinkle of individual stocks as if to say, "I also like to live dangerously." The problem is, this mix doesn't necessarily complement each other well, creating a hodgepodge that feels more confusing than strategic.

Growth Info

Looking at a CAGR of 14.48%, it seems impressive at first glance, until you realize it's like bragging about winning a race against toddlers. With such a heavy reliance on broad market indexes, this performance is akin to riding the market wave, not your savvy stock picking. And that max drawdown of -25.18%? It's like getting a reminder that even with training wheels, you can still fall off your bike.

Projection Info

Monte Carlo simulations are like those fortune cookies that give you a vague prediction of your future, but with math. And according to this cookie, there's a wide range of outcomes from "barely moving" at the 5th percentile to "to the moon" at the 67th. But remember, simulations are based on past performances, which, like your ex's promises, aren't reliable indicators of future behavior.

Asset classes Info

  • Stocks
    93%
  • Bonds
    6%

With 93% in stocks, it's clear you're trying to ride the equity rocket to wealth city. But with only 6% in bonds, you've practically ignored the parachute that could help you land safely during market turbulence. This asset allocation has the subtlety of a sledgehammer when perhaps a more nuanced tool would do the job better.

Sectors Info

  • Technology
    28%
  • Financials
    13%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    8%
  • Industrials
    8%
  • Consumer Staples
    6%
  • Real Estate
    4%
  • Consumer Discretionary
    3%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%

Your sector allocation reads like a teenager's internet history: heavily invested in technology with a side of financial services and consumer cyclicals. It's a high-reward play, sure, but also one that can lead to dramatic swings. It's like betting on red because it's your lucky color, ignoring the rest of the roulette wheel.

Regions Info

  • North America
    86%
  • Europe Developed
    4%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

With 86% in North America, this portfolio has a "home country bias" that's stronger than a toddler's grip on a candy bar. Dipping only 4% into Europe and a toe into emerging markets means you're missing out on a world of opportunities, literally. Expanding your horizons could mean more than just a nice vacation spot.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    30%
  • Mid-cap
    17%
  • Small-cap
    4%
  • Micro-cap
    1%

Your market cap allocation is like attending a concert and only listening to the headliners. Sure, the mega and big caps (70% of your portfolio) are the main draw, but there's value and potential in the opening acts (small and micro caps) that you're largely ignoring. Diversifying across market caps can be like discovering a new favorite band before they hit it big.

Redundant positions Info

  • Invesco NASDAQ 100 ETF
    VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
    VALIC Company I U.S. Socially Responsible Fund
    Fidelity® Nasdaq Composite Index® ETF
    FIDELITY ZERO LARGE CAP INDEX FUND
    Fidelity Total Market Index Fund
    High correlation
  • Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares
    FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    High correlation
  • Invesco NASDAQ Next Gen 100 ETF
    Vanguard Small-Cap Growth Index Fund ETF Shares
    High correlation
  • VANGUARD EQUITY INCOME FUND ADMIRAL SHARES
    Vanguard Value Index Fund ETF Shares
    High correlation

The high correlation among your assets is like having a choir where everyone sings the same note. Sure, it's loud, but there's no harmony. This lack of diversification benefits means when one asset sneezes, the rest catch a cold. It's a risky ensemble that could benefit from some different voices.

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.

Your portfolio's attempt at optimization is like trying to fine-tune a radio with a hammer. Sure, you might hit the right spot eventually, but there's a lot of unnecessary damage along the way. Focusing on removing overlapping assets could streamline your strategy without sacrificing the diversity you clearly cherish. It's about working smarter, not harder.

Dividends Info

  • Apple Inc 0.40%
  • American Express Company 1.00%
  • Vanguard Long-Term Bond Index Fund ETF Shares 4.70%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Vanguard Total International Bond Index Fund ETF Shares 4.30%
  • Carrier Global Corp 1.30%
  • Costco Wholesale Corp 0.50%
  • CVS Health Corp 3.90%
  • Ford Motor Company 5.20%
  • Franklin FTSE South Korea ETF 0.50%
  • FIDELITY ZERO LARGE CAP INDEX FUND 1.00%
  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.30%
  • Alphabet Inc Class A 0.40%
  • Home Depot Inc 2.30%
  • Honda Motor Co Ltd ADR 4.10%
  • H&R Block Inc 3.00%
  • VanEck High Yield Muni ETF 4.40%
  • iShares Global Clean Energy ETF 1.80%
  • iShares International Select Dividend ETF 4.80%
  • Iron Mountain Incorporated 3.30%
  • Johnson & Johnson 2.80%
  • Global X Lithium & Battery Tech ETF 0.60%
  • Lowe's Companies Inc 1.80%
  • Microsoft Corporation 0.50%
  • Fidelity® Nasdaq Composite Index® ETF 0.60%
  • PARNASSUS MID CAP FUND INVESTOR SHARES 4.80%
  • Invesco NASDAQ Next Gen 100 ETF 0.60%
  • Invesco NASDAQ 100 ETF 0.50%
  • Rio Tinto ADR 3.70%
  • VanEck Semiconductor ETF 0.40%
  • SPDR Portfolio High Yield Bond 7.50%
  • AT&T Inc 3.80%
  • Target Corporation 4.30%
  • Visa Inc. Class A 0.50%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.50%
  • Vanguard Small-Cap Value Index Fund ETF Shares 2.00%
  • VANGUARD EQUITY INCOME FUND ADMIRAL SHARES 2.00%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.30%
  • Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares 2.80%
  • Vanguard Value Index Fund ETF Shares 2.10%
  • Vanguard Emerging Markets Government Bond Index Fund ETF Shares 6.20%
  • Waste Management Inc 1.40%
  • Financial Select Sector SPDR® Fund 1.40%
  • Weighted yield (per year) 1.39%

With a total yield of 1.39%, it's clear that income isn't your main act. It's like having a side job that doesn't really pay the bills but gives you some pocket change. While not every portfolio needs to be dividend-focused, considering a balance between growth and income could provide a steadier cash flow, rather than relying on market appreciation alone.

Ongoing product costs Info

  • Vanguard Long-Term Bond Index Fund ETF Shares 0.04%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Bond Index Fund ETF Shares 0.07%
  • Franklin FTSE South Korea ETF 0.09%
  • Fidelity Total Market Index Fund 0.02%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • VanEck High Yield Muni ETF 0.32%
  • iShares Global Clean Energy ETF 0.41%
  • iShares International Select Dividend ETF 0.51%
  • Global X Lithium & Battery Tech ETF 0.75%
  • Fidelity® Nasdaq Composite Index® ETF 0.21%
  • PARNASSUS MID CAP FUND INVESTOR SHARES 0.95%
  • Invesco NASDAQ Next Gen 100 ETF 0.15%
  • Invesco NASDAQ 100 ETF 0.15%
  • VanEck Semiconductor ETF 0.35%
  • SPDR Portfolio High Yield Bond 0.05%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • VANGUARD EQUITY INCOME FUND ADMIRAL SHARES 0.18%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.05%
  • Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares 0.08%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Emerging Markets Government Bond Index Fund ETF Shares 0.20%
  • Financial Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.04%

At least you're not throwing money down the drain with high fees. The total expense ratio (TER) of 0.04% is like finding a designer suit at thrift store prices – a rare bargain that actually benefits your portfolio. Kudos for keeping costs low, showing that sometimes you accidentally make a wise choice.

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