A tech-heavy, diversification-light portfolio that's more Silicon Valley fan club than investment strategy
Report created on Oct 9, 2025Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 53.70% -
VU Vanguard Growth Index Fund ETF Shares
VUG - US9229087369 32.92% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 13.38%
This portfolio looks like someone tried to diversify by picking different colors of the same sock. With over 85% in just two sectors and all your eggs in the stock basket, it’s like betting on red at the roulette table but only when it’s a prime number. The heavy tilt towards the Vanguard S&P 500 ETF and the Growth Index Fund, with a hefty side of Information Technology, shows a love for the home team (USA) and a particular infatuation with anything that beeps or clicks.
Growth
Historically, this portfolio has sprinted like Usain Bolt with a 17.62% CAGR, but remember, past performance is like your ex’s promises—no guarantee of future results. That -32.89% max drawdown is a stark reminder that what goes up can come crashing down, especially when 90% of your returns come from just over a month of trading days. It seems volatility is your unwanted houseguest that refuses to leave.
Projection
With Monte Carlo simulations waving flags ranging from "You could be rich" to "Maybe keep your day job," your future looks as predictable as a weather forecast in the Bermuda Triangle. While the potential for doubling or even sextupling your money sounds like a fairy tale, remember these simulations assume the market behaves like it has in the past—ignoring that the market has the memory of a goldfish and the mood swings of a teenager.
Asset classes
- Stocks 100%
Congratulations on achieving a perfect score in lack of diversification. With 100% in stocks, your portfolio is as balanced as a one-legged pirate on a stormy sea. This all-in approach to equities ignores the soothing effect bonds, real estate, or even a smidgen of cash could have during the market's inevitable tantrums. Diversification isn’t just a fancy word; it’s financial first aid.
Sectors
- Technology 50%
- Consumer Discretionary 10%
- Telecommunications 10%
- Financials 9%
- Health Care 6%
- Industrials 6%
- Consumer Staples 3%
- Energy 2%
- Real Estate 1%
- Utilities 1%
- Basic Materials 1%
With half of your portfolio in technology, you’re not diversified; you're a tech sector groupie. It's like filling your plate at a buffet with only desserts—delicious but bound to cause problems. The minor allocations to consumer cyclicals and communication services are like adding a single carrot to a cake and calling it healthy. This sector skew is a sugar rush waiting to crash.
Regions
- North America 100%
"America or Bust" seems to be the motto here. While patriotism in investing is commendable, ignoring the rest of the globe is like refusing to eat pizza in Italy because you prefer the frozen kind at home. Global diversification can reduce risk and tap into growth elsewhere, which this portfolio, with its 100% allocation to North America, blatantly ignores.
Market capitalization
- Mega-cap 54%
- Large-cap 29%
- Mid-cap 15%
- Small-cap 2%
Your portfolio’s love affair with mega and big caps, while sidelining small and micro caps, is like only watching blockbuster movies and missing out on indie films. Sure, the big names bring in the box office bucks, but smaller companies offer growth potential and diversification benefits you’re currently snubbing. This cap-size bias might limit your portfolio's plot twists.
Redundant positions
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High correlationVanguard S&P 500 ETFVanguard Information Technology Index Fund ETF SharesVanguard Growth Index Fund ETF Shares
The high correlation between your chosen assets is like having three different weather apps that all say the same thing. It feels like you’re diversifying, but really, you’re just hearing the same forecast three times. This redundancy doesn't add value; it just amplifies your risk during a market downturn. Time to get some uncorrelated assets into the mix for a real diversification strategy.
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.
Your portfolio's risk-return optimization is like trying to solve a Rubik's cube with a hammer. Sure, you’ll make some moves, but there’s a smarter way to achieve balance. The Efficient Frontier isn’t just fancy talk; it’s about getting the most bang for your buck without taking unnecessary risks. Currently, your portfolio is playing it fast and loose, ignoring this principle entirely.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Growth Index Fund ETF Shares 0.40%
- Weighted yield (per year) 0.78%
With a total yield hanging around 0.78%, your dividend strategy is like finding loose change under the couch cushions—nice to have but not life-changing. While not the main act in your growth-oriented portfolio, dividends can offer a steady income stream and a cushion during market dips. Maybe it's time to appreciate these steady performers a bit more.
Ongoing product costs
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Growth Index Fund ETF Shares 0.04%
- Weighted costs total (per year) 0.04%
Here’s a rare bouquet of flowers in your otherwise neglected garden: your costs are impressively low. With a Total TER of just 0.04%, you’re navigating the cost aspect like a pro, proving you can at least avoid paying top dollar for your one-dimensional investment strategy. It's like getting a discount on a rollercoaster ride—you’ll save money, but the ups and downs are still guaranteed.
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