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 portfolio that loves safety but flirts with volatility and calls it diversification

Report created on Aug 12, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

First off, this portfolio seems to think that throwing a bit of everything into the mix equals diversification. With a heavy lean on cash and near-cash equivalents but a sprinkle of Bitcoin for spice, it's like dressing for both the beach and a blizzard on the same day. It's a bit all over the place, with an apparent identity crisis between wanting to be cautious and craving some action.

Growth Info

Historically, boasting a CAGR of 17.68% is like bragging about winning a race because the other runners went the wrong way. It's impressive until you realize the conditions were unusually favorable. Relying on past performance this strong is like expecting to hit every green light on your way home—optimistic, at best. And those 17 days making up 90% of returns? That's not skill; that's luck.

Projection Info

Monte Carlo simulations sound fancy, but they're really just educated guessing games. With projections ranging from "buy a yacht" to "still afford brunch occasionally," it's clear this portfolio could go many ways. The wide spread in potential outcomes suggests you're as likely to retire comfortably as you are to keep working your day job and telling yourself next year will be better.

Asset classes Info

  • Stocks
    54%
  • Cash
    16%
  • Other
    5%

With 54% in stocks and a timid 16% in cash, this portfolio is like someone who says they're adventurous but won't go zip-lining. The inclusion of "other" at 5% is intriguing, like finding a mystery button in a car. You're curious but not sure if you want to push it. The complete absence of bonds outside of short-term ETFs screams "I'm young at heart" but forgets that even young portfolios need some balance.

Sectors Info

  • Financials
    13%
  • Technology
    8%
  • Industrials
    7%
  • Consumer Discretionary
    6%
  • Telecommunications
    4%
  • Energy
    3%
  • Consumer Staples
    3%
  • Basic Materials
    3%
  • Health Care
    3%
  • Utilities
    1%
  • Real Estate
    1%

The sector spread is like ordering a pizza with every topping. Sure, you've got variety, but does it taste good? Heavy on financial services and tech but just a nod to healthcare and utilities—it's like being bullish on energy drinks while ignoring water. Maybe dial back on the sectors that act like caffeine for your portfolio.

Regions Info

  • North America
    29%
  • Europe Developed
    11%
  • Asia Emerging
    5%
  • Japan
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this portfolio is having a North American party but only invited a few friends from elsewhere. With 29% in North America and a smattering across other regions, it's like saying you're worldly because you once ate sushi. Broadening your horizons could mean not putting all your investment eggs in one regional basket.

Market capitalization Info

  • Mega-cap
    21%
  • Large-cap
    17%
  • Mid-cap
    10%
  • Small-cap
    3%
  • Micro-cap
    1%

A mix of mega to micro caps, yet with a timid approach to anything not big. It's like wanting to diversify your music taste but only straying as far from pop as indie, without ever touching metal or classical. Maybe it's time to explore the full spectrum of market caps more courageously.

Redundant positions Info

  • T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

Having assets that move together like synchronized swimmers is great for the Olympics, but not for your portfolio. The retirement fund and the total stock market ETF holding hands tightly might feel safe, but it's like wearing two life jackets. You might float better, but you won't swim anywhere new. Consider breaking up the band for true diversification.

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, this portfolio needs to address its identity crisis. The mix of high safety with random volatility spikes is like trying to optimize a car's performance by adding both a bigger engine and heavier armor. Decide if you're building a race car or a tank first.

Dividends Info

  • American Century ETF Trust 2.20%
  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 3.00%
  • Dimensional International Value ETF 3.30%
  • Invesco S&P International Developed Momentum ETF 2.00%
  • iShares® 0-3 Month Treasury Bond ETF 4.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Schwab Value Advantage Money Fund 4.00%
  • T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND 1.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 2.53%

With an overall yield of 2.53%, your portfolio's dividend strategy is like finding loose change under the couch cushions. It's a nice surprise but won't pay the bills. Relying too much on the erratic generosity of dividends from a portfolio that can't decide if it's growth or income-focused is like planning your budget around finding more couch change.

Ongoing product costs Info

  • American Century ETF Trust 0.26%
  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 0.43%
  • Dimensional International Value ETF 0.27%
  • SPDR Gold Mini Shares 0.10%
  • iShares Bitcoin Trust 0.12%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Invesco S&P 500® Momentum ETF 0.13%
  • T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND 0.59%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.18%

A total expense ratio (TER) of 0.18% is commendably low, like finding an all-you-can-eat buffet that doesn't give you food poisoning. It's one of the few areas where this portfolio doesn't need a stern talking to. Keeping costs low is like dieting; it may not be fun, but you'll thank yourself later.

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