Roast mode 🔥

Tech-heavy portfolio with a side of S&P 500 for flavor but zero global seasoning

Report created on Sep 20, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

At first glance, this portfolio screams "I love big tech, and I cannot lie," with a whopping 60% in the Vanguard S&P 500 ETF followed by a hefty 40% split between tech and growth-oriented ETFs. It's like ordering a triple cheeseburger with extra cheese; there's a lot of what you love, but it's not exactly a balanced meal. Diversification isn't just a buzzword; it's your financial health's best friend, and this portfolio seems to have ghosted it completely.

Growth Info

Historically, this portfolio has been like a rocket — 18.09% CAGR is nothing to sneeze at, but with that -32.96% max drawdown, it's more like a rocket that occasionally explodes on the launch pad. Those 40 days making up 90% of returns? That's like betting your retirement on red at the roulette table. Sure, when it hits, you're golden, but let's not pretend it's a strategy without its "oh no" moments.

Projection Info

Monte Carlo simulations show a wide range of outcomes, but banking on the 50th percentile for retirement planning is like expecting to live off lottery winnings. Yes, the potential for high returns is there, but so is the potential for a financial faceplant. These simulations are like weather forecasts; they give you a rough idea, but I wouldn't plan a picnic based on them without a backup plan.

Asset classes Info

  • Stocks
    100%

Stocks and nothing but stocks. It's like building a diet entirely out of protein; sure, you might get big, but it's not exactly the picture of health. A sprinkle of bonds or a dash of real estate could not only add some flavor but also might keep the portfolio from getting indigestion during the next market downturn.

Sectors Info

  • Technology
    51%
  • Financials
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Industrials
    6%
  • Consumer Staples
    4%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%
  • Basic Materials
    1%

Over half the portfolio in technology? It's clear someone's got a crush on Silicon Valley. With financial services and consumer cyclicals trailing far behind, this portfolio's sector allocation is like wearing a raincoat in a hurricane; it's a gesture towards protection, but when the storm hits, you're still going to get wet.

Regions Info

  • North America
    100%

North America 100%? Ever heard of the rest of the world? Ignoring global markets is like refusing to eat any food that's not from your hometown diner. Sure, it might be comforting, but you're missing out on a lot of flavors (and growth opportunities) that the world has to offer.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    30%
  • Mid-cap
    15%
  • Small-cap
    2%
  • Micro-cap
    1%

This portfolio leans heavily towards mega and big caps, which is like only watching blockbuster movies. Sure, you'll catch some great hits, but you're also missing out on the indie films that could be groundbreaking. A little more variety wouldn't hurt, especially to catch some growth in smaller companies before they hit it big.

Redundant positions Info

  • Vanguard Information Technology Index Fund ETF Shares
    Vanguard Russell 1000 Growth Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

The high correlation between these ETFs is like buying three different brands of vanilla ice cream and expecting a flavor explosion. If the market takes a dive, this portfolio is going down like synchronized swimmers. Diversification between assets that don't move in lockstep could help keep your head above water when the market gets choppy.

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.

Before even thinking about the Efficient Frontier, let's talk about those overlapping assets. It's like having three remotes for the same TV; they might all work, but it's unnecessarily complicated and doesn't add value. Simplifying the lineup could improve performance without sacrificing the thrill of the ride.

Dividends Info

  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 0.84%

Ah, dividends, the portfolio's attempt at a consolation prize when the market's down. With a total yield of 0.84%, it's like finding change under the couch cushions; nice to have, but it's not going to pay the bills. If income is a goal, there might be better ways to generate it than hoping big tech decides to be more generous with their profits.

Ongoing product costs Info

  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.08%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.05%

The one thing this portfolio gets right is low costs, with a Total TER of 0.05%. It's like finding a cheap, reliable car; it might not be flashy, but it'll get you where you need to go without costing an arm and a leg. Just remember, even a cheap ride can turn expensive if it only drives in circles.

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