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A tech-heavy rollercoaster that thinks global diversification means adding Canada

Report created on Aug 5, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Your portfolio is like that friend who says they're adventurous because they once added pepper to their ketchup. With 70% in a NASDAQ ETF, you've essentially bet the farm on tech-heavy large caps, while the remaining 30% seems like an afterthought attempt at "diversification." It's like building a house with a titanium roof and straw walls. The overlap between the S&P 500 and NASDAQ is also like buying two different brands of plain yogurt and expecting a flavor explosion.

Growth Info

Historically, you've ridden the tech wave like a pro surfer, boasting a CAGR that would make most investors drool. But remember, past performance is like rearview mirror glances during a highway speed chase—it's useful but doesn't predict the roadblock ahead. That -32.09% max drawdown is a stark reminder that what goes up can come crashing down, especially when 18 days account for 90% of your returns. Talk about putting all your eggs in a basket and then juggling them.

Projection Info

Monte Carlo simulations might sound like a fancy gambling strategy, but they're actually about running a ton of scenarios to see how your portfolio might perform. With a 5th percentile at just over break-even, it's like saying there's a world where you barely make more than a savings account, while the 67th percentile has you swimming in cash. However, betting on being in the top third is like planning your retirement around winning the lottery. Diversify or prepare for potential disappointment.

Asset classes Info

  • Stocks
    100%

Congratulations on achieving a 100% allocation in stocks, truly embracing the "all in" strategy. This is great if you're aiming for high growth or have a secret adrenaline addiction. However, ignoring bonds, real estate, or other asset classes is like going to a buffet and only eating the bread. Sure, it's delicious, but you're missing out on the benefits of a balanced meal, like reduced volatility and potentially smoother returns over time.

Sectors Info

  • Technology
    46%
  • Telecommunications
    14%
  • Consumer Discretionary
    13%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Industrials
    5%
  • Financials
    5%
  • Utilities
    2%
  • Basic Materials
    2%
  • Energy
    1%
  • Real Estate
    1%

With nearly half your portfolio in technology, it's clear you have a type. While tech has been the belle of the ball, sectors like energy and real estate are sulking in the corner of your portfolio, barely noticed. This sector concentration is like only working out your right arm; it might look impressive in a sleeveless shirt, but it's not practical. Diversifying across sectors could prevent your portfolio's performance from being too tied to the fate of a single industry.

Regions Info

  • North America
    93%
  • Europe Developed
    3%
  • Asia Emerging
    1%
  • Japan
    1%
  • Latin America
    1%
  • Asia Developed
    1%

North America at 93%? Your portfolio has more home bias than a college freshman who won't stop talking about their hometown. Dipping a toe in Europe and sprinkling a little in Asia isn't global investing; it's global window shopping. Expanding your geographic exposure could help mitigate the risk of regional economic downturns and tap into growth opportunities elsewhere. The world is bigger than the NASDAQ, believe it or not.

Market capitalization Info

  • Mega-cap
    53%
  • Large-cap
    32%
  • Mid-cap
    13%
  • Small-cap
    1%

Your love affair with mega and big caps is understandable; they're like the cool, popular kids in high school. But ignoring small and micro caps means you're missing out on the growth potential of tomorrow's stars. Sure, they're more volatile, but they're also where significant innovation and growth can happen. It's like only watching blockbuster movies and never giving an indie film a chance.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total World Stock Index Fund ETF Shares
    High correlation

The high correlation between your S&P 500 and Total World ETFs is like wearing a belt and suspenders. Sure, you're extra secure, but at the cost of looking a bit silly and not really adding value. This redundancy doesn't just waste space; it could also be dragging down your portfolio's efficiency. Diversifying into assets that don't move in lockstep with each other can help smooth out the ride without sacrificing potential returns.

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 lack of efficiency is like using a sledgehammer for a nail; it might get the job done, but it's overkill and lacks finesse. The Efficient Frontier is about finding the perfect balance between risk and return, and right now, you're dancing on the edge with a blindfold. A bit of diversification could move you toward a more optimal mix, potentially offering the same or better returns for less risk.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Weighted yield (per year) 0.78%

Your dividend yield strategy seems to be an afterthought, like remembering to water a plant only after it starts wilting. While not the main attraction for growth-focused investors, dividends can provide a steady income stream and help cushion downturns. Ignoring them is like leaving money on the table—money that could be reinvested or used to buy that indie movie ticket once in a while.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.12%

At least you're not bleeding money on costs, with a total expense ratio (TER) that's lower than most people's coffee budget. This is one area where you've actually nailed it, proving that even a portfolio with a tech addiction can have its moments of frugality. Keep this up, but maybe redirect some of that saved money into more diversified investments.

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