Two fund rocket ship strapped to a semiconductor warhead with a parachute made of S&P 500
Report created on Apr 21, 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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SM VanEck Semiconductor ETF
SMH - US92189F6768 50.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00%
This portfolio is the investment equivalent of “I like chips and also… everything else in America.” Half in a hyper‑focused semiconductor ETF, half in a broad S&P 500 fund, and that’s it. Structurally it looks simple, but under the hood it’s like mixing pure espresso with regular coffee and calling it “balanced.” The S&P 500 side pretends to diversify, but a big chunk of that index is already tech-heavy, so the portfolio ends up with a loud semiconductor accent anyway. The result is a supposedly two‑engine plane where one engine (semis) clearly decides the flight path, while the other just claims to be “broadly diversified” for optics.
Growth
Historically, this thing absolutely cooked: $1,000 turning into $11,247 is absurdly strong. A 27.5% CAGR makes the US and global markets look like they were jogging while this portfolio sprinted in track spikes. CAGR (compound annual growth rate) is basically your average speed over the whole trip, and here the speedometer was stuck on “unreasonable.” The flip side: a near‑40% max drawdown is your reminder that rocket ships don’t have brakes. Outperforming the market by 12–15 percentage points a year is fun until the ride drops that hard. Past data is helpful, but it’s still yesterday’s weather, not a guarantee of tomorrow’s climate.
Projection
The Monte Carlo projection takes that spicy history and runs 1,000 “what if” futures, and the mood calms down fast. Median outcome of $2,721 after 15 years on $1,000 is more “solid road trip” than “moon mission.” Monte Carlo is just a fancy way to say “simulate a ton of possible paths and see what sticks.” Here, outcomes range from basically flat ($943) to “okay that worked” (~$6,928). The average annual return across scenarios, 7.7%, is miles below the backward‑looking 27.5% fantasy. Translation: the simulator assumes gravity exists and that semiconductors won’t deliver a superhero origin story every decade.
Asset classes
- Stocks 100%
All in stocks, zero in anything else — this isn’t an asset allocation, it’s an equity monologue. There’s no bonds, no cash buffer, no diversifying ballast; just 100% exposure to the equity roller coaster. Asset classes are the big buckets (stocks, bonds, real estate, etc.) that normally share the emotional burden when markets swing. Here, one bucket is doing all the panicking and celebrating. The result is a portfolio that either wins loudly or loses loudly, with no boring middle to smooth the emotional ride. Stability isn’t really part of the design; this is built for maximum participation in whatever the equity market decides to do.
Sectors
- Technology 67%
- Financials 6%
- Telecommunications 5%
- Consumer Discretionary 5%
- Health Care 5%
- Industrials 4%
- Consumer Staples 3%
- Energy 2%
- Utilities 1%
- Real Estate 1%
- Basic Materials 1%
Sector breakdown: 67% technology. That’s less a tilt and more a full personality trait. Financials, telecoms, health care, consumer stuff — they all exist, but only as background extras standing behind the tech stars. A normal broad market has tech as an important character; this portfolio has tech playing every role, including director and catering. Sector diversification matters because different parts of the economy misbehave at different times. Here, a lot of that “different” is actually the same theme wearing slightly different logos. When tech sneezes, this portfolio catches pneumonia, orders antibiotics, and then reinvests them back into chips.
Regions
- North America 91%
- Asia Developed 6%
- Europe Developed 3%
Geographically, this is basically the USA talking to itself in the mirror: 91% North America, with a token nod to Asia and a polite golf clap for Europe. For a world where a huge chunk of economic growth happens outside the US, this portfolio behaves like passports are optional. A globally spread portfolio normally gets some insulation when one region has a rough decade. Here, the bet is that America — and especially American tech — keeps carrying the whole plot. The tiny slice of Asia and Europe barely registers; they’re like background noise on a call where the US is on speaker at full volume.
Market capitalization
- Mega-cap 45%
- Large-cap 41%
- Mid-cap 14%
- Small-cap 1%
On market cap, this portfolio hugs the giants: 45% mega‑cap, 41% large‑cap, then a sprinkling of mid and almost no small. So it’s mostly the household names, the index heavyweights, and the usual suspects. That’s fine for stability relative to tiny speculative names, but it also means the portfolio is basically welded to how big, well-known companies behave. Market‑cap exposure tells you if you’re betting on scrappy upstarts or established behemoths; here it’s mostly the behemoths in different techy outfits. The mid and small caps are so small they barely move the needle — more garnish than ingredient.
True holdings
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NV NVIDIA Corporation 13.20%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
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AV Broadcom Inc 5.54%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
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TS Taiwan Semiconductor Manufacturing 5.36%
Part of fund(s):- VanEck Semiconductor ETF
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AA Apple Inc 3.33%
Part of fund(s):- Vanguard S&P 500 ETF
-
IN Intel Corporation 2.84%
Part of fund(s):- VanEck Semiconductor ETF
-
AM Advanced Micro Devices Inc 2.70%
Part of fund(s):- VanEck Semiconductor ETF
-
MS Microsoft Corporation 2.46%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 2.41%
Part of fund(s):- VanEck Semiconductor ETF
-
LR Lam Research Corp 2.37%
Part of fund(s):- VanEck Semiconductor ETF
-
KL KLA Corporation 2.35%
Part of fund(s):- VanEck Semiconductor ETF
- Top 10 total 42.56%
The look‑through holdings are screaming “hidden concentration.” NVIDIA at 13.2% alone is already a statement, and then there’s Broadcom, TSMC, AMD, Intel, Micron, Lam, and KLA stacked on top. Many of these names appear via both the semiconductor ETF and as big weights in the S&P 500, so the overlap is very real. And remember, this is only top‑10 data; actual overlap is likely worse. Look‑through is basically checking what’s inside the ETFs instead of trusting the label. Here, the ingredient list says: “Semiconductors with a side of more semiconductors, plus the usual mega‑cap suspects for decoration.”
Factors
Factor‑wise, this portfolio quietly says “growth at all costs” without using the word. Value is low and yield is low, so it’s not exactly chasing bargains or income. Low volatility is also low, which means calm and steady isn’t in the job description. Factors are the hidden forces — value, size, momentum, etc. — that explain why a portfolio behaves a certain way. Here, the tilts say: less interested in cheap, boring, or defensive, more comfortable with pricey, exciting, and jumpy. The neutral scores in size, momentum, and quality just mean it moves broadly like the market, but with extra drama when things turn.
Risk contribution
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VanEck Semiconductor ETF
Weight: 50.00% 65.6% -
Vanguard S&P 500 ETF
Weight: 50.00% 34.4%
Risk contribution makes the semiconductor ETF the loud, slightly unhinged roommate. At 50% weight but 65.6% of total risk, it’s clearly driving the story. The S&P 500, also 50% by weight, only contributes about a third of the risk, acting like the calmer sibling trying to keep the household vaguely functional. Risk contribution shows which positions actually shake the portfolio, and this one ETF is doing more than its share of the rattling. A risk/weight ratio of 1.31 says it’s punching well above its weight in volatility terms, while the S&P 500 quietly takes its 0.69 and behaves like the adult in the room.
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.
On the efficient frontier, this portfolio is annoyingly competent. It sits basically on the curve, with a Sharpe ratio of 0.87 versus 1.04 for the theoretical best mix of the same two funds. Sharpe ratio is return per unit of risk — like grading how much joy you get for every unit of stress. Being near the frontier means that, given only these two ingredients, the weighting is already pretty efficient. You’re not leaving huge risk‑adjusted returns on the table; you just chose a very spicy ingredient list to start with. This isn’t an optimization fail — it’s a “you picked chaos as a theme” situation.
Dividends
- VanEck Semiconductor ETF 0.20%
- Vanguard S&P 500 ETF 1.10%
- Weighted yield (per year) 0.65%
Dividend yield at a grand total of 0.65% is basically a rounding error. The semiconductor ETF yields 0.20%, which is dividends in the “don’t spend it all in one place” category, and even the S&P 500 sleeve isn’t pulling in much income. Dividends are the cash tips companies throw at you while you hold their stock; here the tip jar is almost empty. This portfolio is clearly built for price movement, not cash flow. If someone expected a fat stream of income from this setup, they’d discover pretty quickly that the “paycheck” is more like spare change in the couch cushions.
Ongoing product costs
- VanEck Semiconductor ETF 0.35%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.19%
Costs are the one area where this portfolio doesn’t try to be dramatic. A blended TER of 0.19% is perfectly reasonable, mostly thanks to the S&P 500 ETF charging a microscopic 0.03%. The semiconductor ETF’s 0.35% is the “specialty product tax,” but at half the portfolio, the overall fee stays respectable. TER (total expense ratio) is the annual cut taken by the funds — like a cover charge to enter the market party. Here, at least, the bouncer isn’t overcharging. For a portfolio this concentrated and spicy, paying under 0.2% a year is one of the few quietly sensible choices.
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