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A portfolio that seems to confuse diversification with a tech stock fan club

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

At first glance, this portfolio looks like it was structured by throwing darts at a board of ETFs that someone scribbled "growth" all over. With a heavy lean on US equities and a sprinkle of international exposure to claim worldliness, it's like saying you're cultured because you once ate at an international food festival. The allocation is akin to wearing different shades of blue and claiming to be dressed in a rainbow of colors. Moderately diversified? More like moderately confused.

Growth Info

With a CAGR of 16.79%, this portfolio has been riding the bull market like a toddler on a sugar rush. But remember, past performance is like being the best dancer at a wedding; it doesn't mean much outside that context. That -34.20% max drawdown is a stark reminder that when the music stops, things can get ugly fast. It's like enjoying the rollercoaster ride until you realize your safety harness isn't as secure as you thought.

Projection Info

Monte Carlo simulations sound fancy, like predicting the future with a crystal ball, but they're really just educated guesses. With projections ranging wildly, it's clear this portfolio could either make you the next Warren Buffet or leave you counting pennies. Betting heavily on growth might feel like investing in magic beans, hoping for a beanstalk to the clouds, but remember, not all tales have happy endings.

Asset classes Info

  • Stocks
    100%
  • Cash
    1%

All in on stocks with a token nod to cash, this portfolio is like playing poker with only high cards. Sure, it's thrilling when you're dealt a good hand, but where's your safety net when the game turns? A 100% allocation to stocks is like driving without a seatbelt; exhilarating until you hit a bump.

Sectors Info

  • Technology
    33%
  • Financials
    12%
  • Consumer Discretionary
    10%
  • Industrials
    10%
  • Health Care
    10%
  • Consumer Staples
    7%
  • Telecommunications
    7%
  • Energy
    6%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    1%

Diving into sectors, it's clear there's a tech addiction here, with a third of the portfolio gleaming in silicon. While it's tempting to ride the wave of the future, remember that even the brightest stars can burn out. Diversification across sectors doesn't mean loading up on what's hot; it's about balance, like eating your vegetables, not just dessert.

Regions Info

  • North America
    88%
  • Europe Developed
    5%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Japan
    2%

With 88% in North America, this portfolio screams "home bias" louder than a tourist complaining there's no Starbucks abroad. The token international exposure is like saying you're adventurous because you once tried sushi. Expanding your horizons beyond the familiar could not only spice up your portfolio but also reduce the risk of a domestic downturn.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    31%
  • Mid-cap
    19%
  • Small-cap
    14%
  • Micro-cap
    4%

The market cap spread here is like a middle school dance; the big guys are on one side, the small guys on the other, and everyone's too awkward to mingle. With a heavy tilt towards mega and big caps, it's clear there's a preference for the prom kings of the stock market. However, ignoring the smaller players could mean missing out on the next big growth story.

Redundant positions Info

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

The correlation between the Schwab U.S. Large-Cap Growth ETF and the SPDR® Portfolio S&P 500 ETF is like buying tickets to the same movie twice; you're not getting a different experience, just paying more for popcorn. Overlapping investments dilute the diversification effect, making your portfolio more of an echo chamber than a well-composed symphony.

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.

This portfolio's risk-return trade-off is about as optimized as a car running on three wheels. Sure, it'll move forward, but the ride's going to be bumpy, and you're not doing your tires any favors. Seeking efficiency isn't about pushing the pedal to the metal; it's about finding the best balance to reach your destination safely.

Dividends Info

  • Fidelity Small-Mid Factor 1.30%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor 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) 1.66%

The dividend yield strategy here seems to be as well thought out as a diet based on fast food; it might provide some short-term satisfaction but isn't sustainable long-term. While the pursuit of growth is commendable, neglecting the steady income dividends can offer is like ignoring a slow and steady tortoise in a race against hares.

Ongoing product costs Info

  • Fidelity Small-Mid Factor 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

On the bright side, the portfolio's costs are lower than a limbo stick at a beach party, which is commendable. Keeping expenses low is like packing light for a trip; it makes the journey more enjoyable and the rewards greater. This is one area where you've accidentally clicked the right button.

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