This portfolio has only about 1.6 years 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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A tech-heavy, US-centric portfolio with a sprinkle of Bitcoin for extra volatility

Report created on Aug 13, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

At first glance, this portfolio screams "I love the S&P 500, but let's make it spicier with tech and a dash of Bitcoin." Holding 57% in a Schwab S&P 500 Index Fund and then layering on more with sector-specific ETFs is like ordering a vanilla ice cream and then adding three scoops of the same flavor on top. The portfolio composition is a classic example of someone hearing the word diversification and thinking it means "different names for the same thing."

Growth Info

With a CAGR of 27.65%, this portfolio has been riding the tech boom like a surfer on a tsunami. But let's not forget, even the best waves crash. Relying on past performance is like driving using only the rearview mirror; it works until it doesn't. The max drawdown of -20.06% should be a wake-up call that what goes up can come down, and sometimes it might not get back up for a while.

Projection Info

Monte Carlo simulations are showing some dreamy numbers with a median increase of 10,378.1%. But remember, Monte Carlo is like Vegas — it's all fun and games until reality hits. These simulations assume historical growth continues unabated, ignoring potential market changes, like the tech sector cooling off or Bitcoin deciding it's more of a roller coaster than a rocket.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

With 95% in stocks and a whimsical 5% in "Other" (hello, Bitcoin), this portfolio is like a diet consisting mainly of steak. It's enjoyable until your doctor asks about your vegetable intake. While stocks have historically provided strong returns, this level of concentration in one asset class magnifies risk, especially when the stock selection is narrow.

Sectors Info

  • Technology
    36%
  • Telecommunications
    11%
  • Financials
    11%
  • Health Care
    7%
  • Industrials
    7%
  • Consumer Discretionary
    6%
  • Consumer Discretionary
    5%
  • Consumer Staples
    5%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%
  • Basic Materials
    1%

The sector allocation reads like a Silicon Valley wish list: 36% in technology alone. While tech has been the darling of Wall Street for a while, betting this heavily on one sector is like wearing sunglasses at night — cool in theory but impractical. The under-representation of other sectors means missing out on opportunities elsewhere and increases vulnerability to sector-specific downturns.

Regions Info

  • North America
    94%

Geographically, this portfolio is playing it safe by staying close to home, with 94% in North America. This is the investing equivalent of never leaving your hometown. While the U.S. market is a powerhouse, ignoring international diversification limits exposure to global growth opportunities and increases risk from domestic market downturns.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    31%
  • Mid-cap
    15%
  • Small-cap
    1%

The market cap allocation is playing favorites with the big kids on the block (Mega 49%, Big 31%) and almost ignoring the little guys (Small 1%, Micro 0%). This is like only making friends with popular kids in school. While it might seem cool, it limits perspective and growth opportunities found in smaller, nimble companies.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Schwab S&P 500 Index Fund
    Invesco NASDAQ 100 ETF
    Invesco S&P 500® Momentum ETF
    High correlation

The portfolio's version of diversification is akin to buying different brands of the same flavored soda. The high correlation among the held assets means if one goes down, they're likely all going down together. It's the investment equivalent of putting all your eggs in one basket and then asking everyone to watch the basket.

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 portfolio's current state is a classic case of "if you love something, let it go." In this case, it's about letting go of the redundant, highly correlated assets. Optimizing the portfolio isn't just about cutting back on overlapping investments; it's about introducing genuine diversification. It's time to break up the band and explore other genres.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Schwab S&P 500 Index Fund 1.10%
  • Weighted yield (per year) 0.82%

The dividends are trying to be the portfolio's saving grace, with a total yield of 0.82%. However, in the grand scheme of things, they're like bringing a water gun to a forest fire when the market dips. Nice to have, but not enough to make a significant impact if things get hot.

Ongoing product costs Info

  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Schwab S&P 500 Index Fund 0.02%
  • Weighted costs total (per year) 0.06%

On a positive note, the overall TER of 0.06% is impressively low, akin to finding a designer suit at thrift shop prices. It's one of the few areas where the portfolio manages to shine, proving that low costs are achievable even with a high-flying, tech-heavy strategy.

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