This portfolio has only about 8 months of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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Concentrated tech quality portfolio with strong recent gains and moderate income from high dividend funds

Report created on May 10, 2026

Risk profile Info

6/7
Aggressive
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is built around a handful of big positions, with Apple, a high‑dividend ETF, and an S&P 500 ETF making up roughly 70% combined. The rest is a mix of individual stocks, active mutual funds, a gold miners ETF, a small crypto position, and a money market fund. That structure means a few holdings largely drive the outcome, while the smaller pieces add extra flavor rather than defining the core. Because the performance history is only about eight months, it mainly shows how this specific mix behaved in a short, tech‑friendly period rather than revealing any long‑term pattern. Overall, it’s an aggressive equity‑heavy setup with a clear tech theme and some income focus.

Growth Info

Over the roughly eight‑month window, $1,000 in this portfolio grew to about $1,151, with a very high annualized growth rate (CAGR) of about 143%. CAGR is the “average speed” per year over the journey, smoothing out the bumps. Max drawdown, the largest peak‑to‑trough drop, was mild at about ‑6%, similar to both US and global benchmarks, while returns were higher over this period. However, almost 90% of gains came from just two trading days, and the sample is short. That makes the numbers look spectacular but fragile; a different eight‑month stretch could have looked very different. Past returns over such a brief period say little about long‑term expectations.

Projection Info

The Monte Carlo simulation uses this short history to generate 1,000 possible 15‑year paths for a $1,000 investment, shaking returns and volatility randomly to see a range of outcomes. The median result lands around $2,706, with a wide “likely” band from about $1,779 to $4,145. The average simulated annualized return is 8%, and roughly three‑quarters of scenarios end positive. Because only eight months of data feed this model, the projections are especially shaky; they heavily assume recent behavior continues. Monte Carlo is useful to visualise uncertainty, not as a prediction. Here, the big spread between pessimistic and optimistic paths mainly says this portfolio mix carries meaningful long‑term upside and downside potential.

Asset classes Info

  • Stocks
    92%
  • Bonds
    6%
  • Crypto
    1%
  • Cash
    1%

By asset class, about 92% of the portfolio sits in stocks, 6% in bonds, 1% in crypto, and 1% in cash‑like holdings. That’s much more equity‑heavy than broad global or “balanced” mixes, which usually hold a larger slice in bonds and cash. Stocks are the main engine of growth but also drive most ups and downs, while bonds and cash usually act as stabilizers. The small bond and cash allocation means there’s limited built‑in cushioning if markets drop. The tiny crypto and gold‑related pieces add a dash of alternative exposure, but at these sizes they affect risk more than they change the overall return profile. With such a short history, the exact stability benefit of the bond slice is hard to gauge.

Sectors Info

  • Technology
    49%
  • Financials
    9%
  • Industrials
    8%
  • Health Care
    7%
  • Basic Materials
    5%
  • Utilities
    5%
  • Telecommunications
    4%
  • Consumer Discretionary
    4%
  • Energy
    4%
  • Consumer Staples
    3%
  • Crypto
    1%
  • Cash
    1%
  • Consumer Discretionary
    1%

This breakdown covers the equity portion of your portfolio only.

Sector‑wise, technology dominates at about 49%, with smaller allocations across financials, industrials, health care, basic materials, utilities, telecoms, consumer areas, and energy. Compared with broad global indices, this is a strong tech tilt. Tech‑heavy portfolios often benefit when growth stocks are in favor or when interest rates are falling, but can be more sensitive during rate hikes or shifts away from growth stories. The presence of utilities, financials, and consumer sectors adds some balance and income potential, especially through the high‑dividend ETF. Still, sector risk is meaningfully concentrated in tech, especially when combined with the large individual positions in Apple and Microsoft. The limited eight‑month window doesn’t yet show how this mix behaves across a full economic cycle.

Regions Info

  • North America
    95%
  • Asia Developed
    1%
  • Europe Developed
    1%
  • Asia Emerging
    1%
  • Cash
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, around 95% of the equity exposure is in North America, with only small slices in developed and emerging Asia and Europe. That’s a clear home‑bias toward the US relative to global market weights, where non‑US regions make up a much larger share. A strong North American tilt has worked very well in recent years, especially given the dominance of US tech leaders. At the same time, it ties the portfolio closely to one economy, one currency, and one policy environment. If US markets underperform other regions for a stretch, this portfolio would likely feel that more. With only eight months of data, the historic performance doesn’t yet reveal how this concentration might play out in different regional cycles or currency conditions.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    26%
  • Mid-cap
    14%
  • Small-cap
    3%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, about 48% of the portfolio is in mega‑cap companies, 26% in large‑caps, 14% in mid‑caps, and 3% in small‑caps. That leans heavily toward the biggest global firms, which is quite similar to many broad market indices. Mega‑caps and large‑caps tend to be more established, often with robust balance sheets and diversified businesses, which can provide some resilience compared with smaller, more volatile names. The modest mid‑ and small‑cap exposures introduce extra growth potential and idiosyncratic risk. This size mix fits well with the high quality and low‑volatility factor tilts observed. The short observation window means these size categories haven’t been tested across different parts of a full boom‑and‑bust cycle yet.

True holdings Info

  • Apple Inc
    25.90%
    Part of fund(s):
    • iShares Core S&P 500 ETF
    Direct holding 24.62%
  • Microsoft Corporation
    8.66%
    Part of fund(s):
    • iShares Core S&P 500 ETF
    Direct holding 7.69%
  • Broadcom Inc
    2.27%
    Part of fund(s):
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Uber Technologies Inc
    1.62%
  • NVIDIA Corporation
    1.56%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • JPMorgan Chase & Co
    0.85%
    Part of fund(s):
    • Vanguard High Dividend Yield Index Fund ETF Shares
  • AngloGold Ashanti plc
    0.84%
  • Amazon.com Inc
    0.83%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Exxon Mobil Corp
    0.82%
    Part of fund(s):
    • Vanguard High Dividend Yield Index Fund ETF Shares
  • Alphabet Inc Class A
    0.72%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Top 10 total 44.08%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs and funds, Apple and Microsoft stand out as repeated names, appearing both directly and through index products. Apple totals about 25.9% of exposure, with 24.6% held directly and an additional 1.3% via funds. Microsoft totals about 8.7%, again mostly from the single stock. Other large global names like Broadcom, NVIDIA, JPMorgan, Amazon, Exxon, and Alphabet show up through the index and dividend funds. Overlap increases hidden concentration, because the same company can affect performance from multiple directions. Here, that concentration is most pronounced in Apple. Since only ETF top‑10 holdings are included, overlap in smaller positions is likely understated. With just eight months of data, it’s too early to judge how this overlap behaves in different market environments.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 62%
Size
Exposure to smaller companies
Very low
Data availability: 87%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 35%
Quality
Preference for financially healthy companies
Very high
Data availability: 35%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 98%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 86%

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 shows a very high tilt toward quality and a very low tilt toward size, plus high momentum and low‑volatility exposure. Factors are like investing “ingredients” — characteristics such as quality or momentum that research links to long‑term return patterns. A strong quality tilt typically means profitable, financially solid companies, which often hold up relatively well in stress, though that’s not guaranteed. Very low size exposure means the portfolio is tilted away from small‑caps and toward larger firms, aligning with the mega‑/large‑cap dominance. High momentum suggests recent winners are heavily represented, which can help in trending markets but may hurt during sharp reversals. Given only eight months of live history, these factor scores are best seen as a snapshot of current tilts, not a proven long‑term style record.

Risk contribution Info

  • Apple Inc
    Weight: 24.62%
    28.7%
  • Vanguard High Dividend Yield Index Fund ETF Shares
    Weight: 25.96%
    23.1%
  • BioAge Labs, Inc
    Weight: 0.61%
    15.3%
  • VanEck Gold Miners ETF
    Weight: 2.76%
    13.2%
  • iShares Core S&P 500 ETF
    Weight: 19.86%
    13.0%
  • Top 5 risk contribution 93.4%

Risk contribution highlights how much each holding drives the portfolio’s overall ups and downs, which can differ a lot from simple weights. Apple, at about 24.6% weight, contributes roughly 28.7% of total risk. The high‑dividend ETF, though slightly larger in weight, contributes a bit less risk. Most striking is BioAge Labs at just 0.6% weight but over 15% of risk, meaning it behaves like a very volatile “loud instrument” in the orchestra. The gold miners ETF also punches above its weight, contributing 13.2% of risk from a 2.8% allocation. Altogether, the top three positions generate about two‑thirds of total portfolio risk, underlining that a few holdings — especially Apple and the more volatile niche names — dominate the short‑term behavior observed so far.

Redundant positions Info

  • Vanguard High Dividend Yield Index Fund ETF Shares
    VanEck Gold Miners ETF
    Fidelity® Government Money Market Fund
    BioAge Labs, Inc
    AngloGold Ashanti plc
    PHARMACEUTICALS PORTFOLIO PHARMACEUTICALS PORTFOLIO
    High correlation
  • FIDELITY EMERGING MARKETS DISCOVERY FUND FIDELITY EMERGING MARKETS DISCOVERY FUND
    Fidelity Select Semiconductors Portfolio
    FIDELITY CAPITAL & INCOME FUND FIDELITY CAPITAL & INCOME FUND
    High correlation
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    iShares Core S&P 500 ETF
    High correlation

Correlation measures how often holdings move together; values near +1 mean they tend to rise and fall in sync. Several pairs here show very high historical correlation, such as AngloGold with gold miners and some sector funds, and some active funds with the semiconductor fund. Interestingly, there’s also a strong link between the S&P 500 ETF and the emerging markets ETF in this short sample, which might just be a quirk of this brief period. When assets are highly correlated, diversification benefits shrink during market swings because many positions react similarly. However, with only about eight months of data, these correlations could change meaningfully over time, especially for narrower funds and individual stocks that haven’t yet gone through different market regimes together.

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 compares this portfolio’s risk/return mix to the best combinations possible using the same ingredients. The Sharpe ratio, which measures return per unit of risk above a risk‑free rate, is about 3.14 for the current mix, while the “optimal” combination of these holdings hits a Sharpe of around 5.97 with higher return and slightly higher risk. The current portfolio sits noticeably below the frontier, about 83 percentage points away at its risk level, suggesting that different weights among the same positions could have delivered better risk‑adjusted returns over this backtested period. Because the input data cover only eight months — a very unusual, strong stretch for some tech names — this optimization result should be read as a technical observation, not a durable rule.

Dividends Info

  • Apple Inc 0.40%
  • AngloGold Ashanti plc 3.30%
  • FIDELITY CAPITAL & INCOME FUND FIDELITY CAPITAL & INCOME FUND 4.20%
  • FIDELITY EMERGING MARKETS DISCOVERY FUND FIDELITY EMERGING MARKETS DISCOVERY FUND 3.80%
  • PHARMACEUTICALS PORTFOLIO PHARMACEUTICALS PORTFOLIO 5.40%
  • Fidelity Select Semiconductors Portfolio 10.80%
  • Fidelity® MSCI Utilities Index ETF 2.60%
  • VanEck Gold Miners ETF 0.70%
  • iShares Core S&P 500 ETF 1.10%
  • Microsoft Corporation 0.80%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.40%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.30%
  • Fidelity® Government Money Market Fund 2.30%
  • Weighted yield (per year) 1.67%

The overall dividend yield is around 1.67%, with income mainly coming from the high‑dividend ETF, bond and sector funds, and utilities. Individual stocks like Apple and Microsoft pay relatively low yields, so most cash flow is driven by the more income‑oriented holdings such as the dividend ETF, capital and income fund, and sector funds with higher payout ratios. Dividends can act like a “steady drizzle” of returns, potentially smoothing the ride a bit when prices move sideways, but they’re only one part of total return alongside price changes. Given the aggressive equity tilt and strong recent price gains, dividends have played a smaller role than capital appreciation in the short eight‑month performance measured here.

Ongoing product costs Info

  • FIDELITY CAPITAL & INCOME FUND FIDELITY CAPITAL & INCOME FUND 0.90%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • FIDELITY EMERGING MARKETS DISCOVERY FUND FIDELITY EMERGING MARKETS DISCOVERY FUND 0.97%
  • PHARMACEUTICALS PORTFOLIO PHARMACEUTICALS PORTFOLIO 0.67%
  • Fidelity Select Semiconductors Portfolio 0.60%
  • Fidelity® MSCI Utilities Index ETF 0.08%
  • VanEck Gold Miners ETF 0.51%
  • iShares Core S&P 500 ETF 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.14%

The weighted average ongoing cost (Total TER) for this portfolio is about 0.14% per year, which is impressively low given the mix of index ETFs and active mutual funds. TER, or Total Expense Ratio, is the annual fee the funds charge, taken directly out of returns, a bit like a small management toll. Several core ETFs are very cheap, especially the broad S&P 500 and dividend funds, helping keep overall costs down even though some active funds charge 0.6–0.97%. Over many years, lower costs leave more of the gross return in the investor’s pocket. With only eight months of data, the performance impact of these fees isn’t fully visible yet, but structurally the fee level is a solid strength.

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