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A high-flying tech-heavy portfolio that thinks diversification is just a word in the dictionary

Report created on Jul 30, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio seems to have been assembled under the "more is merrier" philosophy, except when it comes to asset classes and sectors. With a penchant for tech and a sprinkle of everything else, it's like packing for a beach vacation and only bringing swim trunks and a single flip-flop. The overwhelming lean towards tech and small caps screams of a high-risk, high-reward strategy, except the high reward part is more a hope than a strategy. Diversification here is treated more like a suggestion than a foundational investment principle.

Growth Info

Looking at the historic performance, if this portfolio were a rollercoaster, it would be the kind that makes you sign a waiver first. A CAGR of 24.64% is impressive, but with a max drawdown of -27.67%, it's clear this ride has some terrifying drops. The fact that 90% of returns come from 13 days of trading is like saying you're a great driver because you've only crashed once—it was just a really big crash.

Projection Info

Monte Carlo simulations with this portfolio must feel like playing financial roulette, but with more math and less glamour. With projections ranging wildly, it's like forecasting the weather by looking at the sky and guessing. Yes, there's a chance you might end up with a sunny day (a 2,643.0% median increase), but let's not forget the possibility of a storm (180.4% on the low end). Betting the farm on this forecast might not be the wisest idea.

Asset classes Info

  • Stocks
    84%
  • Bonds
    12%

With 84% in stocks, this portfolio treats bonds like that distant relative you only invite to weddings out of obligation. A 12% bond allocation barely cushions against the volatility of the stock-heavy approach. The absence of other asset classes (real estate, commodities, etc.) is like going into a boxing match with one hand tied behind your back—sure, you might land a few good punches, but you're limiting your own potential.

Sectors Info

  • Technology
    32%
  • Financials
    19%
  • Health Care
    12%
  • Consumer Discretionary
    6%
  • Telecommunications
    5%
  • Industrials
    5%
  • Consumer Discretionary
    3%
  • Consumer Staples
    2%
  • Energy
    2%
  • Real Estate
    2%
  • Basic Materials
    1%
  • Utilities
    1%

The tech sector's 32% slice of the pie isn't just overweight; it's in need of a serious diet. Financial services and healthcare trail behind, but the sheer tech dominance leaves this portfolio vulnerable to Silicon Valley's mood swings. It's like building a house with one giant pillar in the middle—sure, it's standing now, but one crack and the whole thing could come tumbling down.

Regions Info

  • North America
    83%
  • Europe Developed
    6%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

With 83% in North America, this portfolio has a serious case of home bias. The minimal exposure to other regions is like saying you're well-traveled because you once went to Canada. In today's global economy, ignoring the investment potential in other parts of the world is like refusing to upgrade from a flip phone—it might work, but you're missing out on a lot.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    26%
  • Mid-cap
    14%
  • Small-cap
    9%
  • Micro-cap
    4%

The mix of mega (29%) and big (26%) caps with a decent helping of small (9%) and micro (4%) caps shows a willingness to bet big but also to gamble on the little guys. However, this David-and-Goliath strategy could use some fine-tuning. Relying too heavily on either end of the market cap spectrum is like trying to balance on a seesaw by yourself—it's possible, but it won't end well.

Redundant positions Info

  • VANGUARD STRATEGIC SMALL-CAP EQUITY FUND INVESTOR SHARES
    FIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY ADVISOR STOCK SELECTOR SMALL CAP FUND: CLASS I
    High correlation
  • Fidelity® High Dividend ETF
    PUTNAM EQUITY INCOME FUND CLASS Y SHARES
    High correlation
  • iShares MSCI USA Quality GARP ETF
    Invesco NASDAQ 100 ETF
    Technology Select Sector SPDR® Fund
    High correlation

The portfolio's asset correlation is like having twins in the same class—they might bring different lunches, but when one catches a cold, the other's sneezing too. Overlapping assets dilute the diversification benefits, making the portfolio more susceptible to market swings. It's like wearing two raincoats in a storm; if water gets in, you're going to get wet no matter what.

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.

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The Efficient Frontier is like a map to treasure, and this portfolio is wandering the desert without it. Before even dreaming of optimization, it's time to declutter. Removing overlapping assets is step one. It's like realizing you've been carrying two identical maps; ditching one makes the journey lighter and probably faster.

Dividends Info

  • Eaton Vance Global Macro Capital Opport 1.70%
  • FIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY ADVISOR STOCK SELECTOR SMALL CAP FUND: CLASS I 2.70%
  • Fidelity® High Dividend ETF 3.00%
  • Pacer Pacific Asset Floating Rate High Income ETF 7.10%
  • Alphabet Inc Class C 0.40%
  • iShares U.S. Financials ETF 1.30%
  • Lord Abbett Focused Large Cap Value Fund Class A 1.90%
  • Eli Lilly and Company 0.70%
  • Lord Abbett Short Duration High Yield Fund Class I 8.10%
  • PUTNAM EQUITY INCOME FUND CLASS Y SHARES 6.30%
  • PRUDENTIAL HEALTH SCIENCES FUND D/B/A PRUDENTIAL JENNISON HEALTH SCIENCES FUND CLASS Z 13.00%
  • PIMCO INCOME FUND INSTITUTIONAL 5.60%
  • Invesco NASDAQ 100 ETF 0.50%
  • VanEck Semiconductor ETF 0.40%
  • iShares MSCI USA Quality GARP ETF 0.40%
  • VANGUARD STRATEGIC SMALL-CAP EQUITY FUND INVESTOR SHARES 1.00%
  • Technology Select Sector SPDR® Fund 0.60%
  • Weighted yield (per year) 2.75%

The dividend yield strategy here is like finding loose change under the sofa cushions; it's nice but won't pay the bills. With an average yield of 2.75%, it's clear income isn't the main goal, but even for growth-focused portfolios, a little more attention to income could provide a steadier cash flow. It's like ignoring a steady job for the lure of winning the lottery.

Ongoing product costs Info

  • Eaton Vance Global Macro Capital Opport 1.15%
  • FIDELITY STOCK SELECTOR SMALL CAP FUND FIDELITY ADVISOR STOCK SELECTOR SMALL CAP FUND: CLASS I 0.90%
  • Fidelity® High Dividend ETF 0.15%
  • Pacer Pacific Asset Floating Rate High Income ETF 0.61%
  • iShares U.S. Financials ETF 0.40%
  • Lord Abbett Focused Large Cap Value Fund Class A 0.96%
  • PUTNAM EQUITY INCOME FUND CLASS Y SHARES 0.63%
  • PRUDENTIAL HEALTH SCIENCES FUND D/B/A PRUDENTIAL JENNISON HEALTH SCIENCES FUND CLASS Z 0.86%
  • PIMCO INCOME FUND INSTITUTIONAL 0.83%
  • Invesco NASDAQ 100 ETF 0.15%
  • VanEck Semiconductor ETF 0.35%
  • Pacer Funds Trust 0.60%
  • VANGUARD STRATEGIC SMALL-CAP EQUITY FUND INVESTOR SHARES 0.21%
  • Technology Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.42%

With total expenses averaging out to 0.42%, it's not the worst I've seen, but let's not start patting backs just yet. Some of those individual fund fees are eye-watering for the value they provide. It's akin to paying for a gourmet meal and getting fast food—sure, it fills you up, but was it worth the price?

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