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A portfolio that loves big names and tech too much while pretending to be diversified

Report created on Jul 31, 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 trust Vanguard with my life and Amazon with my afterlife." With 88% of its weight in just two Vanguard funds and a hefty 10% bet on Amazon, it’s like putting almost all your eggs in three baskets and then calling it a day. The tiny sprinkle of Schwab’s Dividend Equity ETF feels like an afterthought, like remembering to say "and diversification" at the end of a financial prayer. This is less a diversified portfolio and more a fan club for a few market darlings.

Growth Info

With a CAGR of 15.29%, you might feel like the king of the hill, but remember, past performance is like rearview mirror—useful but not a guide to navigate the future. The -31.01% max drawdown should be a wake-up call; it’s like enjoying a roller coaster until it drops, and you remember you're scared of heights. Banking on a few days for most returns? That's like expecting to win a marathon by sprinting only when you see a camera.

Projection Info

Monte Carlo simulations throw out numbers like a fortune teller on a caffeine binge, promising a median 766.7% increase. But remember, simulations are educated guesses, not guarantees. They can't predict market mood swings or new economic crises. Banking too much on these optimistic projections could leave you like the person who plans their retirement around winning the lottery someday.

Asset classes Info

  • Stocks
    100%

An all-stock portfolio? Bold move! It's like deciding to diet by only eating variations of pizza. Sure, you love it, but where are the veggies (bonds), or the occasional steak (alternative investments)? Stocks are great for growth, but a little balance could save you from indigestion when the market gets too spicy.

Sectors Info

  • Technology
    33%
  • Financials
    11%
  • Consumer Discretionary
    10%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Health Care
    8%
  • Industrials
    7%
  • Consumer Staples
    5%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    1%

Tech's 33% domination of your portfolio has all the subtlety of a sledgehammer. It's like building a sports team but mostly drafting quarterbacks. Sure, they're stars, but what happens when you need a defense (or in this case, stability from less volatile sectors)? Financial services and consumer cyclicals round out your top three, but with tech hogging the spotlight, they barely get a chance to play.

Regions Info

  • North America
    100%

"America or bust" seems to be the motto here. With 100% in North America, it's like planning a world tour and only visiting your hometown. Sure, it’s comfortable and familiar, but there’s a whole world out there. International exposure isn't just about adventure; it's about balancing risk and getting a slice of global growth.

Market capitalization Info

  • Mega-cap
    53%
  • Large-cap
    30%
  • Mid-cap
    15%
  • Small-cap
    1%

Your mega and big cap fascination is like having a friend circle exclusively of celebrities. Sure, it’s glamorous and possibly profitable, but it's also volatile and can leave you out in the cold. Mixing in more medium, small, and micro caps could be like adding some dependable, down-to-earth friends into your circle.

Redundant positions Info

  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
    VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL SHARES
    High correlation

High correlation between the Vanguard funds is like buying two different brands of plain vanilla ice cream; it’s essentially the same flavor. This redundancy doesn’t add value or diversification but just doubles down on your existing bet. It's like betting on both black and very dark gray in roulette.

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.

Your portfolio’s "efficiency" is like a car with three flat tires but a brand-new paint job. Sure, it looks good standing still, but it won’t get you far. The high correlation and low diversification are like silent portfolio killers, lurking in the background. Before you even think about optimization, let's talk about getting those tires fixed.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.80%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.30%
  • VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL SHARES 0.90%
  • Weighted yield (per year) 0.79%

Your dividend strategy seems to be an afterthought, with a total yield that wouldn’t even excite a savings account. It’s like tipping with pocket change—not necessarily appreciated and barely making a difference. Incorporating assets with higher dividends might be like finding a better way to use that spare change.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.05%
  • VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL SHARES 0.04%
  • Weighted costs total (per year) 0.04%

The one place you're showing some restraint is in costs, with TERs lower than a limbo bar at a beach party. At least here, you’ve managed to keep your expenses lean, which is commendable. It's like knowing you're overeating but at least choosing the salad over the fries.

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