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A high-flying tech love affair with a side of index fund sensibility

Report created on Jul 30, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Diving into this portfolio is like finding out your balanced meal is 80% dessert. With over half the portfolio in one index fund and nearly a third in two high-voltage tech stocks, it's less "moderately diversified" and more "tech rally or bust." The inclusion of total market and international index funds feels like an afterthought, a tiny nod to diversification that's drowned out by the tech sector's siren song.

Growth Info

With a CAGR that could make Silicon Valley blush, this portfolio has been on a tear, but let's not forget the heart-stopping -59.4% max drawdown. This performance is like riding a rollercoaster blindfolded; thrilling, yes, but sustainable? Unlikely. Relying on past performance here is akin to driving by looking in the rearview mirror - exciting until you hit something unexpected.

Projection Info

Monte Carlo simulations must love this portfolio, predicting potential gains that might make a lottery ticket look like a conservative investment. But remember, Monte Carlo is like forecasting weather in the tropics; sunny skies predicted, but always pack an umbrella for the sudden storms. With such a wide range between the 5th and 67th percentiles, this portfolio's future could be anything from a modest win to a moonshot, with volatility as the co-pilot.

Asset classes Info

  • Stocks
    100%

Stocks. That's it. This portfolio has put all its eggs in one asset class basket, making it as diversified as a diet of only steak. While stocks can provide substantial growth, the lack of bonds, real estate, or even a sliver of cash for balance is like wearing blinders to the potential benefits of spreading risk. It's high time to consider other asset classes as part of a balanced investment diet.

Sectors Info

  • Technology
    50%
  • Financials
    11%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Telecommunications
    6%
  • Industrials
    6%
  • Consumer Staples
    4%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    2%

A 50% allocation to technology is like being on a first-name basis with every Silicon Valley barista. Sure, tech can offer explosive growth, but it also comes with rollercoaster volatility. The underrepresentation of sectors like healthcare, consumer goods, and industrials is like ignoring vegetables in your diet; not flashy, but necessary for long-term health.

Regions Info

  • North America
    94%
  • Europe Developed
    3%
  • Japan
    1%
  • Asia Emerging
    1%
  • Asia Developed
    1%

This portfolio screams "America First," with a staggering 94% in North America. The token gesture towards international markets is less a strategy and more a geographical afterthought. This heavy domestic focus is like only reading books by one author; you might enjoy them, but think of what you're missing out on.

Market capitalization Info

  • Mega-cap
    62%
  • Large-cap
    23%
  • Mid-cap
    13%
  • Small-cap
    1%

With a massive tilt towards mega and big-cap stocks, this portfolio is playing it safe in the schoolyard of giants. While these companies can offer stability and dividends, the lack of small and micro-cap investments is like never leaving the kiddie pool; sure, it's safe, but the real action is in the deeper waters.

Redundant positions Info

  • Fidelity 500 Index Fund
    Fidelity Total Market Index Fund
    High correlation

The high correlation between the Fidelity 500 and Total Market Index Funds is like buying two different brands of vanilla ice cream; they might look different on the outside, but it's the same flavor inside. This redundancy adds no real diversification and is a missed opportunity to spread risk more effectively across the portfolio.

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 is like flooring it in a sports car without wearing a seatbelt. Sure, you might get to your destination faster, but the risk is hair-raising. Removing correlated assets and diversifying across asset classes, sectors, and geographies could turn this from a wild gamble into a calculated strategy.

Dividends Info

  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.40%
  • Fidelity 500 Index Fund 0.90%
  • Weighted yield (per year) 0.75%

The dividends here are like finding loose change in the couch; nice to have but not going to pay the bills. With total yield sitting under 1%, this portfolio isn't working hard in the income department. Relying solely on growth is like expecting a sunny day every day; what happens when it rains?

Ongoing product costs Info

  • Fidelity Total Market Index Fund 0.02%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Fidelity 500 Index Fund 0.02%
  • Weighted costs total (per year) 0.02%

Credit where credit's due, the costs are impressively low, like finding a luxury car with a budget vehicle's maintenance costs. This is one of the few areas where the portfolio doesn't need a tune-up. Keeping costs in check is like packing a parachute; it might not make the flight more exciting, but you'll be glad to have it in an emergency.

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