Roast mode 🔥

This portfolio loves big names more than a teenager loves brand logos

Report created on Jul 19, 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 walking into a buffet and only loading up on carbs. With a whopping 43.69% in SPDR S&P 500 ETF Trust and another 40.17% in Vanguard Total Stock Market Index Fund ETF Shares, it's like having two types of bread and calling it a meal. Sure, you've got Invesco QQQ Trust adding a bit of 'protein' with its tech focus, but then there's a mere sprinkle of international exposure with Vanguard Total International Stock Index Fund ETF Shares. This is less a balanced diet and more a feast of redundancy.

Growth Info

Historically, this portfolio has been riding the bull market like a rodeo star with a 14.44% CAGR. But let's not forget, even a broken clock is right twice a day. With a -33.33% max drawdown, it's clear this portfolio isn't wearing a helmet. It's great when the sun's out, but when the storm hits, you might wish you'd built a more robust ark.

Projection Info

Monte Carlo simulations throw sophisticated dice to predict your financial future, and this portfolio's got a wild spread. With a 5th percentile at a dismal 63.4% and a 50th at an eye-watering 503.3%, it's like predicting weather in the tropics — sunny skies or hurricane, take your pick. But remember, simulations are educated guesses, not crystal balls. Betting the farm on the 50th percentile could leave you farming in Farmville, not real life.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. With 100% of your portfolio in equities, you've put all your eggs in one basket, then handed that basket to the stock market. It's a high-stakes game without a safety net. Diversification doesn't mean having different kinds of stocks; it means spreading risk across different asset classes. Ever heard of bonds? Real estate? Even a dash of commodities? Time to broaden your horizons beyond the stock ticker.

Sectors Info

  • Technology
    34%
  • Financials
    13%
  • Consumer Discretionary
    11%
  • Telecommunications
    10%
  • Health Care
    9%
  • Industrials
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    2%

Your sector allocation reads like a Silicon Valley pitch deck. With 34% in technology, you're so heavily invested in the next big thing that if the tech bubble burps, you'll feel it. Then there's a decent spread across financial services, consumer cyclicals, and the rest, but it's like seasoning a steak that's already burnt. The tech-heavy focus might have been rewarding, but it's also a recipe for heartburn in a downturn.

Regions Info

  • North America
    95%
  • Europe Developed
    2%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

95% in North America? This portfolio has a home bias thicker than a deep-dish pizza. With a measly 4.44% in international stocks, it's like you're saying, "The world ends at the border." Diversifying globally doesn't just spread risk; it taps into growth opportunities elsewhere. The world's a big place with lots of potential. Time to get a passport for your portfolio.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    33%
  • Mid-cap
    18%
  • Small-cap
    3%
  • Micro-cap
    1%

Mega and big caps dominate this portfolio like Godzilla in Tokyo. With 45% in mega and 33% in big caps, you're betting big on the big boys. It's a safer bet, sure, but with only 4% in small and micro caps, you're missing out on the growth fireworks. Small caps are the spice of the investing world — a little can go a long way.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    SPDR S&P 500 ETF Trust
    High correlation

The buddy system doesn't work in portfolios. SPDR S&P 500 ETF Trust and Vanguard Total Stock Market Index Fund ETF Shares are like twins wearing the same outfit. High correlation means if one trips, the other's going down too. It's like doubling down on your bets when diversification is about not putting all your chips on red. Time to break up the band and find some assets that don't move in lockstep.

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 is as optimized as a dial-up connection in a fiber-optic world. The heavy overlap in U.S. stocks, particularly with such high correlation between the SPDR S&P 500 and the Vanguard Total Stock Market ETFs, is like having two identical apps on your phone that do the same thing. Efficiency isn't just about cutting costs; it's about getting the best risk-return mix. Time to declutter and diversify.

Dividends Info

  • Invesco QQQ Trust 0.40%
  • SPDR S&P 500 ETF Trust 0.90%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.05%

At least there's a silver lining with a total yield of 1.05%. It's like finding loose change under the couch cushions — not life-changing, but hey, it's something. Dividends can provide a steady income stream, which is great, but when the portfolio's this lopsided, it's like relying on a trickle when you need a flood. A more balanced approach could turn that trickle into a stream.

Ongoing product costs Info

  • Invesco QQQ Trust 0.20%
  • SPDR S&P 500 ETF Trust 0.10%
  • 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) 0.08%

Now, for a glimmer of hope in this critique fest: your costs are impressively low, with a total TER of 0.08%. It's like finding a designer suit at a thrift store price. Low costs mean more of your money stays invested and grows over time. So, while I've been throwing shade, here's a well-deserved nod. Just don't let those savings get eaten up by poor diversification and high risk.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey