Pseudo diversified S&P 500 fan who secretly just wants to gamble on shiny tech rockets
Report created on Apr 6, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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VO Vanguard S&P 500 ETF
VOO - US9229083632 70.00% -
AM Amazon.com Inc
AMZN - US0231351067 10.00% -
NV NVIDIA Corporation
NVDA - US67066G1040 10.00% -
CO Coinbase Global Inc
COIN - US19260Q1076 5.00% -
MS MicroStrategy Incorporated
MSTR - US5949724083 5.00%
This “portfolio” is basically one big S&P 500 blanket with four lottery tickets stapled on top. Seventy percent is a boringly sensible index fund, then you slam 30% into Amazon, NVIDIA, Coinbase, and MicroStrategy like a side quest in speculative tech and crypto-adjacent chaos. It looks diversified at first glance, but it’s really one core bet on the US market plus a loud side bet on a few names you probably like reading about. Structurally, it’s half responsible adult, half meme-stock discord thread. The main takeaway: the core is fine, but the satellites are doing their best to turn a balanced meal into an energy drink.
Growth
The past performance is the kind of thing that makes people overconfident. A 21.22% CAGR versus 11.39% for the US market and 9.21% globally is wild. CAGR is just your average annual growth rate over time, like your average speed on a road trip. You ended at $2,596 from $1,000, which looks heroic, but you paid for it with a -36.21% max drawdown and nearly two years from peak to full recovery. That’s “check your account once and immediately regret it” territory. Past data is yesterday’s weather: nice to brag about, terrible to assume it just repeats on command.
Projection
The Monte Carlo projection is the cold shower after the performance chart. Monte Carlo is just a fancy way of running thousands of “what if” futures, mixing good and bad years randomly based on history. Median outcome: $1,000 grows to about $2,839 over 15 years, roughly 8.32% a year. Not bad, but nowhere near the recent 21% joyride. And the range is huge: from barely over $1,000 to more than $8,000. Translation: the portfolio can still work long term, but the future will almost certainly be far less dramatic than the backtested thrill ride you’re currently emotionally anchored to.
Asset classes
- Stocks 100%
You are all-in on one asset class: stocks, 100%, no breaks, no seatbelt. That’s fine for a long time horizon and strong stomach, but don’t pretend this is “balanced” just because the S&P 500 is in there. There’s zero ballast from safer assets, so when markets puke, everything here will go down together. Being fully in stocks is like driving a sports car in the rain: thrilling when it works, unforgiving when it doesn’t. The real lesson: if this portfolio ever needs to fund something time-sensitive, it’s poorly matched to that reality.
Sectors
- Technology 38%
- Consumer Discretionary 17%
- Financials 13%
- Telecommunications 8%
- Health Care 7%
- Industrials 6%
- Consumer Staples 4%
- Energy 2%
- Utilities 2%
- Real Estate 1%
- Basic Materials 1%
Sector-wise, this portfolio is clearly tech-smitten. Technology sits at 38%, and then you layer on Amazon plus Coinbase plus MicroStrategy, all heavily growth and tech-adjacent in spirit, if not label. It’s like saying you “occasionally drink” while double-fisting energy drinks. Yes, you technically own other sectors via the S&P 500, but the emotional and economic engine here is high-growth, high-volatility stuff. If tech or growth sentiment gets wrecked, you’re not “a bit off”; you’re fully along for the ride. A takeaway: if you love this tilt, at least admit it’s a strong thematic bet, not neutral exposure.
Regions
- North America 100%
Geographically, this thing has never left North America. You’ve basically looked at the global map and said, “Nah, I’m good.” One hundred percent in North America means you’re tied to one economy, one currency, and one political system. It’s convenient, sure, but also pretty myopic when a big chunk of the world’s growth and profits lives elsewhere. When the US is booming, this feels smart; when it’s not, you’ll realize you built a house on one foundation. Global diversification doesn’t guarantee better returns, but it does help avoid being wholly owned by one region’s mood swings.
Market capitalization
- Mega-cap 52%
- Large-cap 34%
- Mid-cap 12%
- Small-cap 1%
Market cap-wise, you’re very much worshipping at the altar of giants: 52% mega-cap, 34% large-cap, and only a rounding error in mid and small caps. It’s basically “the biggest companies plus a few turbo-charged names I find exciting.” That gives you stability relative to pure small-cap chaos, but it also ties you heavily to whatever the mega-cap darlings are doing. When big names lead, you look like a genius; when they lag, there’s not much else in the portfolio to pick up the slack. The upside: at least you’re not overstuffed with illiquid tiny names that vanish in a downturn.
True holdings
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Part of fund(s):
- Vanguard S&P 500 ETF
-
Part of fund(s):
- Vanguard S&P 500 ETF
-
-
-
AA Apple Inc 4.65%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.47%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.16%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.80%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.72%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.68%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 53.03%
The look-through is basically shouting, “You really like NVIDIA and Amazon, huh?” NVIDIA is actually 15.12% once you count both direct stock and what’s hiding inside the ETF; Amazon’s at 12.43%. So your “70% diversified ETF safety net” quietly boosts the same tech giants you doubled down on directly. You’ve turned what looks like a 10% NVIDIA bet into a chunky tilt that will absolutely move the needle when it swings. Overlap isn’t evil, but it’s hidden concentration: you’re more exposed to a tiny group of mega names than the weightings on the surface suggest.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure here is almost suspiciously vanilla for such a spicy stock list. Most factors — value, momentum, quality, yield — are basically neutral. That means, on average, you behave a lot like the broad market in terms of style. The only real tilt is slightly away from low volatility, which is code for: you’ve added some drama on top of a stable base. Factors are like the hidden flavor profile of your portfolio — sweet, spicy, bitter — and here it’s mostly classic “market flavor” with a little extra chaos from high-flyer names. It’s a closet indexer wearing a leather jacket.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 70.00% 45.3% -
NVIDIA Corporation
Weight: 10.00% 17.1% -
MicroStrategy Incorporated
Weight: 5.00% 13.3% -
Coinbase Global Inc
Weight: 5.00% 13.1% -
Amazon.com Inc
Weight: 10.00% 11.3%
Risk contribution is where the polite façade absolutely crumbles. Vanguard S&P 500 is 70% of the portfolio but only 45% of the risk — it’s the responsible adult. MicroStrategy and Coinbase, each just 5% weight, are contributing over 13% of risk each. That’s absurd. Risk contribution is basically asking, “Who’s actually shaking the portfolio?” and the answer is: your tiny speculative pets are running the show. Top three holdings by risk (the ETF, NVIDIA, MicroStrategy) account for 75.65% of total turbulence. Trimming those wild children would dramatically calm things down without changing the overall look much.
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.
The efficient frontier chart is politely telling you: “Nice ingredients, weird recipe.” Your Sharpe ratio is 0.65, while the optimal mix of the same holdings hits 1.2 — way better risk-adjusted returns using exactly what you already own, just in saner proportions. The frontier is basically the best possible trade-off between risk and return; you’re sitting 6.16 percentage points below it at your current risk level. That means you’re taking more drama than necessary for the payoff you get. Reweighting, not reinventing, would move you closer to the curve and away from the “YOLO with training wheels” zone.
Dividends
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 0.84%
The dividend story is pretty underwhelming, which is exactly what you’d expect here. A total yield of 0.84%, with the S&P 500 ETF doing most of the lifting at 1.20%, is pocket change. The individual stocks — Amazon, NVIDIA, Coinbase, MicroStrategy — are not here to mail you checks; they’re here to chase growth and give you emotional whiplash. This is a capital appreciation play, not an income machine. If someone claimed this setup was for “dividend investing,” that would be comedy. As it stands, at least you’re not pretending: this is a growth-first, cash-later approach.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.02%
Fees are the one area where you didn’t step on a rake. A total TER around 0.02% is impressively low — that’s “I actually know what an expense ratio is” territory. It’s like somehow ordering the cheapest thing on the menu that also happens to be the healthiest. You’re not lighting money on fire via costs, which is great, because the rest of this portfolio is doing plenty of thrilling things already. The educational bit: over decades, even small fees stack up, so this is one of the few dials you’ve clearly got set correctly. Accidental or not, well played.
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