This portfolio has only about 1.1 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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A high-growth focus with heavy tech exposure and low diversification

Report created on May 1, 2025

Risk profile Info

6/7
Aggressive
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification
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Positions

This portfolio is characterized by a heavy concentration in technology stocks, with Palantir Technologies, NVIDIA Corporation, and Costco Wholesale Corp making up the majority of the allocation. This concentration indicates a strong belief in the growth potential of these companies but comes with increased volatility and risk. The inclusion of broad-market ETFs like the Vanguard S&P 500 ETF provides some level of diversification, though it's minimal given the overall tech-heavy focus.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 86.06%, this portfolio has demonstrated exceptional growth, significantly outpacing typical market returns. However, the high maximum drawdown of -38.76% signals substantial volatility, largely due to the concentrated nature of the portfolio. The days contributing to 90% of returns being so few suggest that the portfolio's performance is highly dependent on specific, short-term market movements.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of possible outcomes, show a wide variance in potential future performance, with the median outcome suggesting an extraordinary growth potential. However, it's crucial to note that such simulations assume past trends will continue, which may not always be the case, especially in a portfolio with high concentration in a few stocks.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely composed of stocks, with a negligible allocation to a money market fund, indicating a high-risk, high-reward strategy. This lack of asset class diversification can lead to higher volatility, as all investments are subject to the same market forces. Including different asset classes, such as bonds or real estate, could provide a buffer against market downturns.

Sectors Info

  • Technology
    52%
  • Consumer Staples
    29%
  • Telecommunications
    9%
  • Consumer Discretionary
    4%
  • Financials
    2%
  • Health Care
    2%
  • Industrials
    1%
  • Energy
    1%

The sectoral allocation further emphasizes the portfolio's aggressive stance, with over half invested in technology. While the tech sector has historically offered significant growth opportunities, it's also prone to rapid changes and volatility. The portfolio's limited exposure to more defensive sectors like consumer defensive and healthcare does little to mitigate this risk.

Regions Info

  • North America
    100%

Geographic diversification is entirely focused on North America, exposing the portfolio to regional economic and political risks. Expanding into other developed or emerging markets could provide growth opportunities and reduce the impact of a downturn in the North American market.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    41%
  • Mid-cap
    11%

The allocation towards mega and big-cap stocks suggests a focus on established companies, likely chosen for their growth potential and relative stability compared to smaller companies. However, the portfolio's performance might benefit from the inclusion of mid or small-cap stocks, which can offer higher growth potential albeit with increased 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.

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The current portfolio's risk-return profile suggests room for optimization. By diversifying across more sectors, asset classes, and geographies, it's possible to achieve a similar or higher expected return with lower risk. This adjustment would not only reduce volatility but also protect against sector-specific downturns, aligning more closely with the Efficient Frontier theory.

Dividends Info

  • Costco Wholesale Corp 0.30%
  • Schwab U.S. Dividend Equity ETF 4.00%
  • Fidelity® Government Money Market Fund 4.20%
  • Vanguard S&P 500 ETF 1.40%
  • Weighted yield (per year) 0.31%

The dividend yield of the portfolio is modest, with most holdings prioritized for growth over income. The Schwab U.S. Dividend Equity ETF and the Fidelity® Government Money Market Fund provide the bulk of dividend income, which contributes to the portfolio's total return but is not the primary focus.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%

The portfolio benefits from low-cost ETF options, with expense ratios that are impressively low, supporting better long-term performance by minimizing the drag on returns. However, the high concentration in individual stocks doesn't incur direct expense ratios but does come with other costs like bid-ask spreads and potential tax implications from higher turnover.

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