Roast mode 🔥

A portfolio that loves playing it safe until it doesn't

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

What type of investor this portfolio is suitable for

Balanced Investors

This portfolio is tailored for someone who loves the thrill of the stock market but keeps a security blanket (or gold and Bitcoin, in this case) close by. It suggests a person with a moderate risk tolerance who dreams of aggressive growth but still checks under the bed for monsters. Ideal for those with a medium-term horizon, it's for someone who enjoys riding the waves but prefers having a life jacket nearby, just in case.

Positions

  • Vanguard Growth Index Fund ETF Shares
    VUG - US9229087369
    50.00%
  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    20.00%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares
    VEU - US9220427754
    15.00%
  • iShares® Gold Trust Micro
    IAUM - US46436F1030
    10.00%
  • VanEck Bitcoin Trust
    HODL - US92189K1051
    5.00%

This portfolio is like a meal consisting mostly of bread, with a sprinkle of spices to make it "exotic." With half of your assets in the Vanguard Growth Index Fund and another 20% in the Vanguard Total Stock Market Index Fund, you've basically doubled down on U.S. equities, making "diversification" a buzzword rather than a practice. Adding a dash of international exposure and a pinch of gold and Bitcoin doesn't radically change the flavor. It's like insisting you're adventurous because you once tried sushi.

Warning Historical data is limited for this portfolio, which reduces the confidence in the calculated values.

Growth Info

Let's talk historic performance, where your portfolio's CAGR shines at 27.49%. Impressive, right? Before you pat yourself on the back, remember this number comes from a period when the stock market was on a tear, and even a blindfolded monkey throwing darts could pick winners. The real test of a portfolio isn't how it performs in a bull market but how it weathers the storms. With an 18.01% max drawdown, let's just say you'll want to buckle up for potential turbulence ahead.

Warning Due to limited historical data, this may show extreme values that are not realistic.

Projection Info

Forward projections using Monte Carlo simulations sound fancy, like predicting the weather with a supercomputer. But remember, they're based on past performance, which is like driving using only the rearview mirror. Your simulations suggest a sunny outlook, with a median increase of 8,656.5%. However, keep in mind these simulations assume the market will continue its generous mood swings. If the market decides to be moody, those projections might as well be fantasy.

Asset classes Info

  • Stocks
    89%
  • Cash
    1%
  • Other
    0%
  • No data
    0%

With 89% in stocks, this portfolio is like a diet overwhelmingly consisting of meat. Sure, it's protein-packed, but where are the veggies and grains? Diversification across asset classes helps manage risk and reduce volatility, something this portfolio nods to with a token gesture toward gold and Bitcoin. But let's be real, a 10% allocation to alternative investments is more of a garnish than a substantial part of the meal.

Sectors Info

  • Technology
    34%
  • Consumer Discretionary
    11%
  • Financials
    10%
  • Telecommunications
    10%
  • Industrials
    6%
  • Health Care
    6%
  • Consumer Staples
    3%
  • Basic Materials
    2%
  • Energy
    2%
  • Real Estate
    2%
  • Utilities
    1%

Your love affair with technology (34%) might feel like a safe bet in today's digital age, but sector concentration increases your vulnerability to industry-specific downturns. Remember, even tech titans can stumble. The rest of your sector spread is like a smattering of condiments that add flavor but won't sustain you through the lean times. A more balanced sector allocation could help smooth out the bumps on the road ahead.

Regions Info

  • North America
    71%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    0%
  • Europe Emerging
    0%

With 71% of your assets parked in North America, it seems you're playing the home field advantage a bit too aggressively. It's like only watching Hollywood movies and missing out on the world of cinema out there. Expanding your geographic exposure could open up new growth opportunities and reduce the risk of a domestic downturn wiping the smile off your portfolio's face.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    23%
  • Mid-cap
    11%
  • Small-cap
    1%
  • Micro-cap
    0%

Your portfolio's market cap allocation is top-heavy, with a staggering 49% in mega-caps. It's like having all your friends from the same high-status, high-income circle — safe and predictable, but potentially limiting. Sprinkling in more medium, small, or even micro-caps could add some much-needed diversity and potential for growth, albeit with added risk.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The overlap between your Vanguard Growth Index Fund and Total Stock Market Index Fund is like buying two different brands of plain yogurt and expecting a flavor explosion. These highly correlated assets don't add much in the way of diversification. It's akin to wearing two raincoats in a storm; one would suffice, and maybe consider some boots instead.

Dividends Info

  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Weighted yield (per year) 0.84%

With an overall dividend yield of 0.84%, your portfolio isn't exactly a cash cow. It's more like a lean chicken — providing some sustenance but not enough to live off. If you're looking for income or just a more cushioned fall during market dips, beefing up assets with higher dividend yields might be worth considering.

Ongoing product costs Info

  • VanEck Bitcoin Trust 0.20%
  • iShares® Gold Trust Micro 0.09%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.06%

Kudos on keeping your costs low, with a total TER of just 0.06%. It's one of the few areas where your portfolio doesn't need a roast but rather a light toast. It's like finding a cheap, yet reliable car; it gets the job done without draining your wallet. Just make sure those savings are being put to good use elsewhere.

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.

Your portfolio's attempt at diversification is like throwing different genre books into a bag and calling it a library. Without addressing the highly correlated assets, you're carrying extra weight with no real benefit. Streamlining your holdings to truly diversify could turn that bag into a well-organized shelf, making for a more efficient and potentially more rewarding collection.

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