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A portfolio that loves the S&P 500 more than diversification itself

Report created on Sep 12, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio composition screams "I only trust big American companies!" with a whopping 70% in the Vanguard S&P 500 ETF. It's like going to an all-you-can-eat buffet and only loading up on potatoes. Sure, there's a 20% nod to international markets with the Vanguard FTSE All-World ex-US Index Fund ETF Shares and a spicy 10% dash of the Invesco S&P 500® Momentum ETF for flavor. But let's be real, this portfolio is as adventurous as a tourist who won't leave the hotel pool.

Growth Info

Historically, this portfolio has been like a rollercoaster that only goes up, boasting a Compound Annual Growth Rate (CAGR) of 17%. While that's impressive, remember that past performance is like looking in the rearview mirror while driving—it tells you where you've been, not where you're going. And with a max drawdown of -33.45%, it's clear that when the market sneezes, this portfolio catches a cold.

Projection Info

Monte Carlo simulations suggest this portfolio could skyrocket, with a median projected growth of 768.5%. But let's not get ahead of ourselves; these simulations are like weather forecasts for your retirement—useful, but pack an umbrella because surprises happen. With almost all simulations showing positive returns, it's optimistic, but remember, even Monte Carlo likes to gamble.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Stocks, stocks, and more stocks. With 99% in equities, this portfolio is like a diet consisting entirely of meat. Sure, it's protein-packed, but where are the veggies (bonds) and the occasional sweet treat (alternative investments)? Diversification across asset classes is crucial for a balanced diet... I mean, portfolio.

Sectors Info

  • Technology
    29%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Telecommunications
    10%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Utilities
    3%
  • Basic Materials
    2%
  • Real Estate
    2%

The sector allocation has a tech-heavy, 29% tilt, making it look like a teenager's screen time report. Financial services and consumer cyclicals follow, but with technology leading the charge, this portfolio is betting big on Silicon Valley. It's like having all your eggs in one basket, except the basket is a sleek, shiny smartphone.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 81% in North America, this portfolio has a clear home-country bias. It treats international exposure like a risky foreign delicacy—it's on the plate, but reluctantly. Diversifying globally can reduce risk and tap into growth elsewhere; not everything magical happens within the US borders.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    35%
  • Mid-cap
    16%
  • Small-cap
    1%

The portfolio is starstruck with megacaps and big caps making up 83% of the allocation. It's like being friends only with celebrities; exciting, but you're missing out on a lot of great conversations. Small and micro caps can offer growth potential that big brothers can't, diversifying your risk and opportunity.

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 riding the Efficient Frontier like it's a lazy river. Sure, it's comfortable and historically successful, but it's not optimized for risk versus return. It's like betting it all on black because it worked once. Diversification across asset classes and sectors could improve the ride, making it less likely you'll get soaked when the market splashes.

Dividends Info

  • Invesco S&P 500® Momentum ETF 0.50%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.60%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.34%

The portfolio's dividend yield is like finding loose change in the couch—nice, but you're not funding a vacation with it. A yield of 1.34% isn't terrible, but it's clear income isn't the goal here. This portfolio is playing the long game, hoping for growth rather than cash flow.

Ongoing product costs Info

  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.05%

Here's a bright spot: the portfolio is as cheap as chips, with a total expense ratio (TER) of just 0.05%. At least you're not bleeding money on fees. It's like finding a no-booking-fee concert ticket; the performance better be worth it, and thankfully, in this case, it seems to be.

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