A high-tech joyride with blinders to diversification and global opportunities
Report created on Aug 3, 2025Risk profile
5/7
Diversification profile
2/5
Positions
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 80.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 20.00%
This portfolio is like betting all your chips on red, except it's not just any red; it's tech-red and S&P 500-red. With 80% in a Fidelity 500 Index Fund and 20% in a Vanguard Information Technology Index Fund, it's the investment equivalent of ordering a large pepperoni pizza and then adding extra pepperoni. Sure, you love pepperoni, but where's the variety? This portfolio screams "I believe in America and technology, and that's about it," sidelining any semblance of diversification.
Growth
With a CAGR of 16.11%, it's like your portfolio took steroids during a bull market. But remember, what goes up must come down, and that -33.23% max drawdown is a stark reminder. It's like enjoying a roller coaster until you realize you're not strapped in. Those 35 days making up 90% of returns? That's not investing; that's gambling on a handful of sunny days in a notoriously fickle climate.
Projection
The Monte Carlo simulation, a fancy way of saying "let's make educated guesses," shows a wild spread from 162.2% to over 1,456.3% at the 67th percentile. But relying on these numbers is like planning your retirement based on lottery odds. It might work out, or you might end up living in a van down by the river. Remember, simulations are as reliable as your daily horoscope.
Asset classes
- Stocks 100%
100% stocks? That's not just putting all your eggs in one basket; it's throwing the basket off a cliff and hoping for a soft landing. The absence of bonds, real estate, or even a smidgen of cash for volatility cushioning is like driving without a seatbelt, airbags, or brakes. Thrilling, yes, but unnecessarily risky.
Sectors
- Technology 45%
- Financials 11%
- Health Care 9%
- Consumer Discretionary 8%
- Telecommunications 8%
- Industrials 6%
- Consumer Staples 5%
- Energy 3%
- Utilities 2%
- Real Estate 2%
- Basic Materials 1%
With 45% in technology, this portfolio has a tech addiction worse than your Instagram-scrolling habit. While tech has been the belle of the ball, sectors like financial services, healthcare, and consumer goods are like the wallflowers — present but overlooked. This tech-heavy tilt is a one-way ticket to Heartbreak Hotel if the sector takes a hit.
Regions
- North America 99%
North America at 99%? This portfolio makes Captain America look like a globetrotter. Ignoring the rest of the world isn't just unadventurous; it's a missed opportunity. Emerging markets and developed international economies can add flavor and potential growth that this portfolio desperately needs.
Market capitalization
- Mega-cap 48%
- Large-cap 32%
- Mid-cap 17%
- Small-cap 2%
- Micro-cap 1%
With a focus on mega and big caps, this portfolio is like a fanboy at a superhero movie — only interested in the biggest stars. While they offer stability, ignoring medium, small, and micro caps means missing out on growth opportunities and diversification benefits. It's the financial equivalent of only watching blockbuster films and never discovering indie gems.
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.
The risk-return profile of this portfolio is like a sports car with bald tires. Sure, it can go fast (high returns), but it's a risky ride (volatility). The Efficient Frontier, or the "sweet spot" for risk vs. return, is likely a distant dream for this portfolio. It's like aiming for the horizon but forgetting to check if you have enough gas — or a map.
Dividends
- Fidelity 500 Index Fund 0.90%
- Vanguard Information Technology Index Fund ETF Shares 0.50%
- Weighted yield (per year) 0.82%
The dividend yield here is like getting excited about finding loose change in your couch — nice to have but not life-changing. With yields of 0.90% and 0.50% from your two investments, it's clear this portfolio isn't built for income. It's all about growth, baby, which is fine until you need steady cash flow.
Ongoing product costs
- Fidelity 500 Index Fund 0.02%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Weighted costs total (per year) 0.04%
Finally, something to cheer about! With total expenses at a mere 0.04%, this portfolio is tighter than a drum. It's like finding a luxury car with economy pricing. In a world where fees can eat into your returns like termites in a wooden house, this portfolio stands solidly cost-effective.
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