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A portfolio that loves the S&P 500 more than diversification and low fees

Report created on Jul 29, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is like a love letter to the S&P 500, with an 80% commitment that screams "I have trust issues with other indexes." Diversification here is more of a polite nod than a strategy, with the remaining 20% half-heartedly thrown at dividend plays. It's as if the investor heard about diversification in passing and thought, "Sounds cool, but not for me." This over-reliance on a single index is like building a sports team entirely out of quarterbacks; sure, they're valuable, but good luck when you need a defense.

Growth Info

Historically, this portfolio has been riding the S&P 500 wave with a CAGR that would make surfers jealous. But remember, past performance is like relying on yesterday's weather forecast to plan a picnic. A -32.76% drawdown is a stark reminder that sunny days aren't guaranteed. And those 36 days that drove 90% of returns? That's like betting your retirement on hitting green at the roulette table – thrilling, but not exactly a strategy.

Projection Info

The Monte Carlo simulation, with its fancy 1,000 scenarios, shows a promising median increase. But let's be clear: Monte Carlo is better at predicting casino outcomes than investment returns. It's like forecasting the path of a hurricane; you know it's going to hit, but good luck guessing where. So, while the projections offer a warm, fuzzy feeling of potential wealth, they should be taken with a grain of salt, or perhaps the entire shaker.

Asset classes Info

  • Stocks
    100%

With 100% in stocks and zero in cash, this portfolio is all gas, no brakes. It's like driving a sports car on the freeway – exhilarating until you hit traffic. The lack of asset class diversity is a bold strategy, akin to wearing shorts year-round; it works until the first snowfall. Mixing in bonds or real estate could be the portfolio equivalent of packing a sweater, just in case.

Sectors Info

  • Technology
    25%
  • Financials
    17%
  • Telecommunications
    11%
  • Consumer Staples
    10%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Health Care
    6%
  • Energy
    5%
  • Consumer Discretionary
    3%
  • Utilities
    3%
  • Real Estate
    2%
  • Basic Materials
    1%

The sector allocation reads like a "Who's Who" of the stock market, with a heavy lean towards technology and financial services. It's as if the portfolio decided to put all its eggs in the baskets carried by Silicon Valley and Wall Street. While tech and finance can offer explosive growth, they can also lead to spectacular crashes. Diversifying sectors is like eating a balanced diet; too much of anything can lead to problems.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

This portfolio has a clear case of home bias, with a whopping 99% in North America. It's like planning a world tour and only visiting Canada and the U.S. Expanding into international markets could spice things up, adding the portfolio equivalent of passport stamps from Europe, Asia, or emerging markets. Remember, variety is the spice of life, and in investing, it can also reduce volatility.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    37%
  • Mid-cap
    16%
  • Small-cap
    2%

The mega and big cap focus is like having a basketball team where everyone is over six feet tall. Sure, it sounds great, but who's going to handle the quick plays? Ignoring small and micro caps entirely is a missed opportunity for growth. It's like never trying street food; yes, it's riskier, but you might discover your new favorite dish.

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.

This portfolio's risk-return profile is like a roller coaster that only goes up; thrilling until physics kicks in. The lack of true diversification and heavy reliance on the S&P 500 means it's not optimized. It's like packing for a vacation with only beachwear and then landing in Siberia. Balancing risk and return is key, and right now, this portfolio is walking a tightrope without a net.

Dividends Info

  • Fidelity® High Dividend ETF 3.00%
  • Fidelity 500 Index Fund 0.90%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Weighted yield (per year) 1.25%

The flirtation with dividends through two ETFs is like adding a dash of seasoning to an otherwise bland dish. It's a nice attempt at generating income, but with a total yield hovering around 1.25%, it's more of a garnish than a main course. Relying on dividends for income here is like expecting a single raindrop to quench your thirst. Diversifying sources of income could turn this appetizer into a feast.

Ongoing product costs Info

  • Fidelity® High Dividend ETF 0.15%
  • Fidelity 500 Index Fund 0.02%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Weighted costs total (per year) 0.09%

With total TER at 0.09%, the portfolio's cost isn't bleeding you dry, but it's not exactly a bargain bin deal either. It's like paying for brand-name cereal when the generic tastes the same. Considering the heavy lean on index funds and ETFs, it's good to see fees aren't eating into the returns too much. Still, always worth a second glance to ensure you're not overpaying for the sizzle instead of the steak.

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