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A tech-heavy gamble masquerading as a diversified portfolio

Report created on Jul 19, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

At first glance, this portfolio seems to have a sprinkle of diversification magic. But alas, it's more of a one-trick pony with a tech obsession. Packing nearly 57% into technology through the Vanguard Information Technology ETF and the VanEck Semiconductor ETF, it's like betting most of your chips on red because it's your lucky color. The SPDR S&P 500 ETF offers a semblance of broad market exposure, but let's be real, it's just a fig leaf for the tech-heavy indiscretion underneath.

Growth Info

With a historical CAGR of 18.80%, you'd think you've struck gold. But remember, past performance is like an ex-flame's Instagram—showing you all the highlights and none of the lowlights. That -32.34% max drawdown is a stark reminder that what goes up can come crashing down, especially when 40 days are responsible for 90% of your returns. It's like winning a marathon because you were driven most of the way.

Projection Info

The Monte Carlo simulation's optimism, with a median projection of 1,069.7% growth, sounds like a dream. But remember, this is a simulation, not a crystal ball. It's like planning your retirement based on winning the lottery—hopeful, but not exactly a strategy. The range from the 5th to the 67th percentile is a wild ride, suggesting your portfolio's future might be as stable as a soap opera relationship.

Asset classes Info

  • Stocks
    100%

All in on stocks, huh? This approach has the diversification of a diet consisting solely of meat and potatoes—satisfying in the short term but missing some key nutrients. With 100% in stocks and not a penny in bonds, real estate, or commodities, this portfolio is riding the high waves without a life jacket.

Sectors Info

  • Technology
    57%
  • Consumer Staples
    7%
  • Health Care
    7%
  • Financials
    6%
  • Energy
    6%
  • Consumer Discretionary
    6%
  • Industrials
    5%
  • Telecommunications
    4%
  • Basic Materials
    1%
  • Utilities
    1%
  • Real Estate
    1%

The sector allocation is like having a dinner party and only inviting your work friends from the tech department. Sure, you've got a few other sectors sprinkled in for good measure, but it's clear where your loyalties lie. This tech-heavy tilt could make for some awkward conversations when the market decides to favor a different crowd.

Regions Info

  • North America
    96%
  • Asia Developed
    2%
  • Europe Developed
    2%

With 96% in North America, this portfolio has a serious home bias. It's like refusing to travel anywhere but your hometown. Sure, it's comfortable and familiar, but you're missing out on the flavors and opportunities the rest of the world has to offer. A little more global seasoning could make for a much richer experience.

Market capitalization Info

  • Large-cap
    41%
  • Mega-cap
    36%
  • Mid-cap
    18%
  • Small-cap
    4%
  • Micro-cap
    1%

The market cap allocation is leaning heavily towards the big and mega companies, making it seem like you're only interested in dating the prom king or queen. While they may be more stable and reliable, ignoring the medium, small, and micro caps means missing out on the potential growth stories that could spice up your investment life.

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.

Looking at the Efficient Frontier, it seems your portfolio missed the memo on risk vs. return optimization. It's like aiming for the bullseye but forgetting to wear your glasses. Sure, the tech-heavy focus has paid off historically, but without proper balance, you're just one market shift away from a rude awakening.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.80%
  • VanEck Semiconductor ETF 0.40%
  • SPDR S&P 500 ETF Trust 0.90%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Weighted yield (per year) 1.47%

The dividend yield strategy here is like expecting gourmet meals from a fast-food budget. With a total yield of 1.47%, it's clear that income generation is not the priority. This approach might work for growth-focused investors, but don't expect these dividends to pay your bills anytime soon.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • VanEck Semiconductor ETF 0.35%
  • SPDR S&P 500 ETF Trust 0.10%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Weighted costs total (per year) 0.13%

On the bright side, your total expense ratio (TER) of 0.13% is like finding a designer suit at a thrift store price—efficient and cost-effective. It's one of the few areas where your portfolio is actually wearing a belt and suspenders.

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