Roast mode 🔥

A monotonous melody of S&P 500 echoes, diversification takes a backseat

Report created on Jun 11, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Your portfolio is like that one friend who only listens to one song on repeat. With over 90% of your investments in various flavors of S&P 500 index funds and ETFs, it's like you found the buffet of the investing world and only filled your plate with potatoes. Sure, potatoes are great, but there's a whole world of flavors out there! This "diversification" is more like wearing different shades of the same color. It's time to spice up your investment wardrobe.

Growth Info

Historically, your portfolio's been riding the S&P 500 like a seasoned surfer, which sounds cool until you realize that's pretty much all it's been doing. With a CAGR of 14.74%, it's like winning a race because you were the only one running. Considering the max drawdown of -33.78%, it's clear your portfolio doesn't shy away from a rollercoaster ride. But remember, past performance is like rearview mirror glances—useful, but not a guarantee of what's ahead.

Projection Info

Monte Carlo simulations suggest your portfolio might swing from "Let's retire early" at the 67th percentile to "Hope you like ramen" at the 5th. With such a wide range, it's like your financial future is being decided by a game of Plinko. These simulations are good for stress testing, but they're based on past data, which, as we know, is like using yesterday's weather forecast to plan a picnic next year.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Stocks, stocks, and more stocks, with a sprinkle of cash so thin it barely wets the appetite for true diversification. It's like going to a buffet and only eating bread. Sure, you won't leave hungry, but you'll miss out on the nutritional balance—and the excitement—of a well-rounded meal. Let's not forget, in the world of investing, variety isn't just the spice of life; it's also a shield against volatility.

Sectors Info

  • Technology
    30%
  • Financials
    15%
  • Health Care
    11%
  • Telecommunications
    9%
  • Industrials
    9%
  • Consumer Discretionary
    6%
  • Consumer Staples
    6%
  • Energy
    4%
  • Consumer Discretionary
    3%
  • Utilities
    3%
  • Real Estate
    2%
  • Basic Materials
    2%

Your sector allocation is akin to betting on the usual suspects, with technology taking the lion's share. It's like being a kid in a candy store but only stocking up on chocolate bars because that's what you know best. Financial services and healthcare are tagging along, but with such a tech-heavy skew, your portfolio risks tech indigestion. Remember, even the sweetest sectors can turn sour without warning.

Regions Info

  • North America
    97%
  • Europe Developed
    2%

With 97% of your portfolio screaming 'America the Beautiful,' it's clear you're wearing geographic blinders. This North American love affair leaves you vulnerable to domestic turbulence and misses out on global opportunities. It's like going to an international food festival and only eating burgers. Sure, burgers are great, but have you tried sushi? Or curry?

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    36%
  • Mid-cap
    17%
  • Small-cap
    1%

Your portfolio's mega and big cap focus is like always flying first-class: comfortable but costly, and you might miss out on the nimble moves of economy-class small caps. While mega-caps offer stability, they often lack the growth potential of their smaller counterparts. It's a bit like preferring mature, stately trees in a forest where younger saplings might grow faster.

Redundant positions Info

  • VANGUARD 500 INDEX FUND ADMIRAL SHARES
    SSGA S&P 500 INDEX FUND CLASS N
    VANGUARD TARGET RETIREMENT 2050 FUND INVESTOR SHARES
    Vanguard S&P 500 ETF
    FIDELITY LARGE CAP STOCK FUND FIDELITY LARGE CAP STOCK FUND
    Fidelity 500 Index Fund
    FIDELITY ZERO LARGE CAP INDEX FUND
    High correlation

Your portfolio's correlation conundrum is like having a choir where everyone sings the same note. Sure, it's harmonious, but it's hardly a symphony. The high correlation among your holdings means if one fund catches a cold, they all sneeze. Diversification isn't just about collecting assets; it's about mixing melodies to create a richer sound.

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 version of optimization seems to involve collecting similar funds like they're going out of style. It's time to declutter. Think Marie Kondo for your investments: if a fund doesn't spark joy—or, more importantly, bring diversification—it's time to thank it for its service and say goodbye. This isn't just about tidying up; it's about building a portfolio that can weather storms and capitalize on sunny days.

Dividends Info

  • FIDELITY LARGE CAP STOCK FUND FIDELITY LARGE CAP STOCK FUND 3.90%
  • FIDELITY ZERO LARGE CAP INDEX FUND 1.10%
  • Fidelity 500 Index Fund 1.20%
  • SSGA S&P 500 INDEX FUND CLASS N 9.10%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 1.20%
  • VANGUARD TARGET RETIREMENT 2050 FUND INVESTOR SHARES 2.10%
  • Vanguard S&P 500 ETF 1.30%
  • Weighted yield (per year) 2.81%

Your dividend strategy is like finding coins under the sofa cushions; it's nice to have, but won't fund your retirement. With a total yield of 2.81%, it's clear you're not living off dividends anytime soon. While dividends can be a sign of corporate health, they're just one piece of the financial puzzle. It's time to look beyond the couch.

Ongoing product costs Info

  • FIDELITY LARGE CAP STOCK FUND FIDELITY LARGE CAP STOCK FUND 0.79%
  • Fidelity 500 Index Fund 0.02%
  • SSGA S&P 500 INDEX FUND CLASS N 0.16%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 0.04%
  • VANGUARD TARGET RETIREMENT 2050 FUND INVESTOR SHARES 0.08%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.18%

At least you're keeping costs low, with a total expense ratio (TER) of 0.18%. It's like finding a budget airline that doesn't charge for breathing. This frugality is commendable, especially in a portfolio that's otherwise as adventurous as a garden snail. Keep pinching those pennies on fees; it's one of the few areas where being cheap pays off.

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