Roast mode 🔥

A portfolio that loves big names and fears the world beyond the U.S. border

Report created on Jul 9, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is like that one friend who orders the same dish at every restaurant because it’s "safe." With a whopping 70% in U.S. large-cap stocks, it's clear where the comfort zone lies. Diversification seems to be a concept as understood here as quantum physics is by a toddler. Sure, there's a nod to international stocks and a flirtation with small to mid-caps, but it's like dipping a toe in the ocean and claiming you went swimming.

Growth Info

Historically, this portfolio might look like it's been on a caffeine buzz with a CAGR of 16.22%. But let's be honest, riding the wave of bullish large-cap markets doesn't exactly scream "investment genius." It's more like being the best surfer in a kiddie pool. And that -34.61% max drawdown? A stark reminder that what goes up in a straight line can come down in an elevator.

Projection Info

The Monte Carlo simulation, with its fancy 1,000 scenarios, suggests a wide range of outcomes, but banking on the 50th percentile for retirement planning is like expecting a lottery ticket to pay for your golden years. It's optimistic, sure, but let's not forget that simulations are educated guesses, not promises. They're the weather forecasts of the investment world—helpful, but pack an umbrella just in case.

Asset classes Info

  • Stocks
    100%
  • Cash
    1%

All in on stocks, huh? With 100% of the portfolio screaming "equity," it's like going to Vegas and putting everything on red because "stocks only go up," right? This lack of asset class diversification is akin to wearing shorts in a snowstorm because it worked well in the summer. Even a sliver of bonds or real estate might cushion those falls when the stock market decides to test gravity.

Sectors Info

  • Technology
    32%
  • Financials
    14%
  • Consumer Discretionary
    12%
  • Industrials
    10%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    2%

With a third of the portfolio in technology, it's clear someone's betting big on Silicon Valley continuing to print money. While tech has been the darling of Wall Street, this sector-heavy bet is like expecting the prom king or queen to rule the world forever. Sectors cycle in and out of favor faster than fashion trends, and this tech-heavy tilt could lead to a portfolio fashion faux pas.

Regions Info

  • North America
    90%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

90% in North America? This portfolio treats international diversification like a distant relative it tries to avoid at family gatherings. Sure, the U.S. market is a behemoth, but ignoring the rest of the world is like refusing to eat any cuisine that isn't American. The global economy offers a buffet of opportunities, and this portfolio is stuck on fast food.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    24%
  • Mid-cap
    17%
  • Small-cap
    13%
  • Micro-cap
    4%

A love affair with mega and big caps is evident, but let's not ignore the potential of small and micro caps to spice things up. This portfolio's market cap allocation is like only watching blockbuster movies and missing out on indie films' unique stories. Diversity in market cap not only adds flavor but can also catch growth waves that the big ships are too bulky to ride.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    SPDR® Portfolio S&P 500 ETF
    High correlation

The high correlation between the SPDR® S&P 500 ETF and Schwab U.S. Large-Cap Growth ETF is like buying two different brands of vanilla ice cream and expecting a taste difference. This redundancy adds as much diversification as a second umbrella in a rainstorm—pointless and cumbersome. Swapping one for something less correlated could add some much-needed flavor to this bland mix.

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.

Efficiency isn't just for cars. This portfolio's risk-return trade-off could use a tune-up. It's like driving a gas-guzzler for a daily commute when a hybrid would do the job better and cheaper. Balancing risk and return is about making each dollar work as hard as possible, not just throwing everything at the stock market and hoping for the best.

Dividends Info

  • Fidelity Small-Mid Factor 1.30%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.14%

The portfolio’s dividend yield is like a low-season trickle in what could be a dividend stream. It's there, but it's not going to quench anyone's thirst for income. In a growth-focused strategy, dividends might take the backseat, but a little more attention here could smooth out the ride and maybe even pay for a few extra treats along the way.

Ongoing product costs Info

  • Fidelity Small-Mid Factor 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

At least the portfolio's costs are under control, with a total TER of 0.06%. It's like finding a decently priced meal at a tourist trap — surprisingly pleasant and a rare find in the world of overpriced investment options. Kudos on not letting fees eat away at your returns like a hidden tax.

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