This portfolio has only about 1.8 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 high-flying portfolio that's one bad day from a nosedive

Report created on Nov 15, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

At first glance, this portfolio screams "diversified", but it's more like someone tried to make a fruit salad and ended up with four types of apples. With a whopping 30% in a large-cap multi-style fund and another 20% in a large-cap growth index, it's like betting on the same horse in two different races. The attempt at international exposure and a sprinkle of Bitcoin and gold doesn't quite save it from its large-cap echo chamber. It's like diversifying your diet by eating different flavors of the same cereal.

Growth Info

With a historical CAGR of 24.84%, this portfolio seems to have been riding the bull market like a pro surfer. But remember, even the best surfers wipe out when the wave crashes. Relying so heavily on past performance is like driving while only looking in the rearview mirror; it works until it doesn't. And those 17 days making up 90% of returns? That's not skill; that's luck with a dash of good timing.

Projection Info

Monte Carlo simulations are the financial equivalent of weather forecasts for your portfolio, and this one's predicting sunny days with a chance of apocalypse. While the median projection looks like a dream retirement plan, the range of outcomes is wider than the Grand Canyon. It's vital to remember that these simulations assume the future will play out like the past, which is about as reliable as a chocolate teapot.

Asset classes Info

  • Stocks
    93%
  • Other
    6%

With 93% in stocks and a mysterious 6% in "Other", this portfolio is like a diet consisting of steak and mystery meat; it's heavy and hard to digest. The complete absence of bonds is like refusing to own an umbrella in Seattle because it's sunny today. Diversification across asset classes isn't just a fancy phrase; it's your financial safety net.

Sectors Info

  • Technology
    26%
  • Financials
    17%
  • Industrials
    11%
  • Telecommunications
    8%
  • Basic Materials
    8%
  • Consumer Discretionary
    7%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Consumer Discretionary
    3%
  • Energy
    2%
  • Real Estate
    2%
  • Utilities
    2%

The sector allocation here shows a tech-heavy tilt, making it vulnerable to sector-specific downturns. It's like packing for a vacation with only beachwear and realizing you're going to the Arctic. The financial and industrials spice add some flavor, but not enough to balance out the tech feast. It's a high-risk party until the tech bubble bursts.

Regions Info

  • North America
    65%
  • Europe Developed
    10%
  • Asia Emerging
    6%
  • Japan
    5%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

With 65% in North America and a token nod to the rest of the world, this portfolio has a serious home bias. It's like saying you're worldly because you once ate at an international food court. Expanding your geographic exposure is like travel; it broadens your horizons and reduces the risk of local downturns ruining your portfolio's vacation.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    20%
  • Mid-cap
    15%
  • Small-cap
    15%
  • Micro-cap
    3%

This portfolio's market cap allocation is like a middle school dance; the big kids dominate the floor, while the small and micro caps awkwardly hug the walls. With such a heavy lean on mega and big caps, you're missing out on the growth potential and diversification small and micro caps can offer. Don't be afraid to dance with the smaller companies.

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.

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This portfolio's attempt at risk vs. return optimization is like trying to balance on a seesaw by yourself. It's possible, but you'll spend a lot of time adjusting. The heavy reliance on past performance and high-volatility assets like Bitcoin and tech stocks could lead to an unbalanced ride. Aiming for the Efficient Frontier is noble, but this portfolio is currently bushwhacking through the wilderness.

Dividends Info

  • FIDELITY SMALL CAP VALUE FUND FIDELITY SMALL CAP VALUE FUND 16.10%
  • GOLD PORTFOLIO GOLD PORTFOLIO 1.60%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.30%
  • AQR LARGE CAP MULTI-STYLE FUND CLASS I 20.50%
  • SPDR S&P World ex US 2.60%
  • SPDR® Portfolio Emerging Markets ETF 2.40%
  • Weighted yield (per year) 8.66%

This portfolio's dividend yield strategy is like finding a $20 bill on a rollercoaster; it's a nice bonus, but you're not there for the money. With yields ranging wildly from 0.30% to 20.50%, it's clear that income isn't the main goal here. But don't discount dividends; they can be the steady hand in a volatile market.

Ongoing product costs Info

  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • FIDELITY SMALL CAP VALUE FUND FIDELITY SMALL CAP VALUE FUND 0.97%
  • GOLD PORTFOLIO GOLD PORTFOLIO 0.68%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • AQR LARGE CAP MULTI-STYLE FUND CLASS I 0.41%
  • SPDR S&P World ex US 0.03%
  • SPDR® Portfolio Emerging Markets ETF 0.07%
  • Weighted costs total (per year) 0.29%

Costs are under control, which is surprising given the adventurous (or haphazard) nature of the portfolio. It's like finding out the wild night out you don't remember was actually quite affordable. Kudos on keeping the TER at a modest 0.29%, but remember, even small fees eat into returns over time, like termites in a wooden house.

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