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A portfolio that seems to think diversity means collecting every shiny object in sight

Report created on Nov 3, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

At first glance, this portfolio seems like it was constructed using a dartboard approach with a bias toward anything that glitters or has a Silicon Valley zip code. With a heavy lean on tech and precious metals, it's like betting on both the gold rush and the dot-com bubble simultaneously. While it's commendable to aim for "highly diversified," there's a fine line between a well-rounded portfolio and a magpie's nest. Mixing big tech stocks with a splash of precious metals and a dash of everything else isn't diversification; it's confusion.

Growth Info

With a CAGR of 16.72%, this portfolio is like that one friend who accidentally wins at poker and thinks they're a pro. The performance might look good on paper, but with a max drawdown of -30.39%, it's clear this portfolio rides the volatility rollercoaster. It's not just about the highs; it's about surviving the lows without turning your hair gray. And those 16 days making up 90% of returns? That's not investing; that's playing financial roulette.

Projection Info

Monte Carlo simulations are great for stress-testing your portfolio against a range of outcomes, but they're not a crystal ball. With projections swinging from -35.6% to a 515.0% median increase, it's like forecasting the weather by looking at the sky and guessing. Yes, 904 out of 1,000 simulations ended up positive, but remember, past data is like yesterday’s weather — helpful but not exactly prophetic. Don't plan your retirement around the 67th percentile without a plan for when storms hit.

Asset classes Info

  • Stocks
    97%
  • Cash
    3%

Stocks at 97% and a token gesture towards cash at 3%? This asset allocation has all the balance of a one-legged flamingo. While stocks can offer great growth potential, this level of concentration in one asset class exposes you to unnecessary risk. It's like going all-in on every hand; eventually, the house wins. A smidgen of bonds or real estate might not be as exciting as tech stocks and gold, but they could keep your portfolio from capsizing in rough waters.

Sectors Info

  • Technology
    26%
  • Basic Materials
    19%
  • Financials
    13%
  • Consumer Discretionary
    9%
  • Telecommunications
    9%
  • Industrials
    6%
  • Health Care
    5%
  • Consumer Staples
    5%
  • Energy
    4%
  • Utilities
    2%
  • Real Estate
    1%

The sector allocation is like a tech enthusiast's dream, sprinkled with a fascination for digging stuff out of the ground. With technology and basic materials making up a whopping 45%, this portfolio is less diversified and more a bet on two highly volatile sectors. It's as if it's preparing for a future where we mine asteroids from our smartphones. Diversification across sectors doesn't mean picking favorites; it means preparing for a future where anything can happen.

Regions Info

  • North America
    64%
  • Europe Developed
    15%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    4%
  • Latin America
    3%
  • Australasia
    2%
  • Africa/Middle East
    2%

With 64% in North America and a timid spread across other regions, this portfolio screams "home bias" louder than an eagle on the Fourth of July. While there's nothing wrong with backing American companies, ignoring the rest of the world's markets is like refusing to eat anything but hamburgers. The world is a buffet of investment opportunities; don't fill up on just one thing.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    33%
  • Mid-cap
    15%
  • Small-cap
    6%

This portfolio's love affair with mega and big caps, accounting for 75%, is like only watching blockbuster movies; you miss out on the indie gems. Sure, big companies can offer stability and dividends, but they also move slower than their smaller, nimbler counterparts. Including some medium, small, or even micro caps could add a dash of growth potential spice to this otherwise 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.

This portfolio's attempt at risk vs. return optimization is like trying to balance a seesaw with an elephant on one end and a mouse on the other. While aiming for the best risk-return mix is the goal, this portfolio seems to have mistaken "efficient" for "eccentric." A realignment considering the Efficient Frontier might not be as thrilling as betting big on tech and gold, but it could help achieve a smoother ride to your financial goals.

Dividends Info

  • Alphabet Inc Class A 0.30%
  • Microsoft Corporation 0.60%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Schwab International Dividend Equity ETF 3.60%
  • Sprott Gold Miners ETF 0.50%
  • iShares® 0-3 Month Treasury Bond ETF 3.90%
  • iShares MSCI Global Silver and Metals Miners ETF 0.50%
  • iShares Semiconductor ETF 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.67%

Relying on dividends from this mix is like expecting a steady diet from foraging in your backyard; it's possible, but you'll probably go hungry. With a total yield of 1.67%, it's clear that income isn't the priority, but even growth portfolios can benefit from the compounding effect of reinvested dividends. A bit more focus on yield, especially from less volatile sources, wouldn't hurt.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab International Dividend Equity ETF 0.14%
  • Sprott Gold Miners ETF 0.50%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • iShares MSCI Global Silver and Metals Miners ETF 0.39%
  • iShares Semiconductor ETF 0.35%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.14%

The total TER of 0.14% is surprisingly reasonable, given the portfolio's adventurous nature. It's like finding out the sports car you bought for its speed comes with excellent gas mileage. While it's commendable to keep costs low, make sure you're not being penny-wise but pound-foolish. Sometimes, a slightly higher expense ratio is worth it for better diversification or lower risk.

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