Roast mode 🔥

A portfolio that thinks diversification means having every flavor of vanilla

Report created on May 21, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

At first glance, your portfolio seems to have been constructed under the belief that if you love the S&P 500 enough, it'll love you back. With over 70% parked in a single ETF, it's like betting most of your retirement on black because it's your lucky color. The smattering across international stocks, emerging markets, and a whisper of bonds suggests you've heard of diversification but maybe thought it was just a suggestion. Broadly diversified? More like narrowly avoided putting all your eggs in one basket.

Growth Info

Historically, you're riding on a 14.98% CAGR, which isn't shabby, but let's not forget that past performance is like rearview mirrors — objects in history are closer than they appear. With days that make up 90% of returns being fewer than a month's worth, it's like your portfolio's success hinges on a few good hair days. Sure, it's been a smooth ride so far, but the road ahead might not be as forgiving.

Projection Info

Monte Carlo simulations throw dice on your future, and with 934 out of 1,000 simulations turning up sunny, it seems promising. But remember, Monte Carlo is also famous for its casinos, and gambling your financial future on simulations with a cozy 9.82% annualized return might just be too optimistic. The 5th percentile showing a loss is like that one friend who always ruins the party — a necessary reality check.

Asset classes Info

  • Stocks
    98%
  • Bonds
    2%
  • Cash
    1%

With 98% in stocks, your portfolio is more aggressive than a caffeine-addicted day trader. The 2% in bonds is like bringing an umbrella to a hurricane — technically, it's preparation, but you're still going to get soaked. The 1% in cash? That's just the loose change found under your couch cushions. This asset allocation is for those who love the rollercoaster's front seat but forget that sometimes it goes upside down.

Sectors Info

  • Technology
    28%
  • Financials
    14%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Telecommunications
    9%
  • Industrials
    7%
  • Real Estate
    7%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%

Your sector spread reads like a tech enthusiast's wish list followed by a sprinkle of everything else. With 28% in technology, you're riding the Silicon Valley wave with the enthusiasm of a surfer who forgot to check if there's a shark below. Financial services and consumer cyclicals follow, making it clear you're banking on the economy never hiccuping. Diversification across sectors seems more accidental than intentional.

Regions Info

  • North America
    84%
  • Asia Emerging
    5%
  • Europe Developed
    4%
  • Asia Developed
    2%
  • Japan
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

With 84% in North America, your portfolio screams "America first" louder than a political rally. The token representation from emerging Asia and developed Europe is like having international friends on Facebook — it looks good on your profile but doesn't mean much in real life. This geographic allocation is less global citizen and more hometown hero, potentially missing out on global growth stories.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    34%
  • Mid-cap
    16%
  • Small-cap
    1%

Your mega and big-cap love affair, making up 79% of your portfolio, suggests you trust in the stability of giants. While leaning on these titans might feel safe, remember that even Goliath had a bad day. The minuscule allocation to small and micro-caps is like acknowledging they exist but not inviting them to the party. This cap-size bias could mean missing out on the nimble movers and shakers of the market.

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 trade-off is like ordering a spicy dish and then realizing you can't handle the heat. The Efficient Frontier is a fancy way of finding the best risk for your return, but it seems like your portfolio missed the memo. You're playing in the deep end without floaties, taking on more risk than necessary for the returns you're getting. A little rebalancing could prevent you from needing to be rescued later.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Vanguard Total International Bond Index Fund ETF Shares 4.30%
  • Fidelity® Blue Chip Growth ETF 0.10%
  • VICI Properties Inc 5.40%
  • Vanguard S&P 500 ETF 1.30%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 3.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.67%

The dividend yield is like your portfolio's attempt at a safety net, but with an average yield of 1.67%, it's more a tightrope than a net. VICI Properties Inc is doing some heavy lifting, but relying on real estate for your portfolio's income is like expecting one worker to finish a group project — not fair and not effective. A more balanced approach to income could prevent future cash flow tightrope walks.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Bond Index Fund ETF Shares 0.07%
  • Fidelity® Blue Chip Growth ETF 0.59%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.08%

At least you're not throwing money out the window with high fees. With a total TER of 0.08%, it's one of the few areas where your portfolio is lean and mean. It's like finding a dollar in the laundry — not life-changing, but a pleasant surprise in the grand scheme of things. Keep an eye on fees, but maybe also on everything else.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey