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A stock obsessed tech leaning rocket ship hoping the market gods never take a sick day

Report created on Mar 5, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This setup is basically “Vanguard or bust”: 60% S&P 500, 20% US tech, 20% international. It’s like you diversified… and then re-undid it with an extra shot of tech on top of a tech-heavy index. For a “growth” profile, this is aggressive but not insane, just a bit one-note. Compared to a classic 70/30 stock‑bond split, this thing is an all‑you‑can‑eat equity buffet. You could add a small slice of bonds or defensive stuff to keep crashes from feeling like a horror movie, and maybe dial down the double tech hit if sleep and stability matter even slightly.

Growth Info

A CAGR of 16.21% is the kind of number that makes people think they’re financial geniuses. CAGR, or Compound Annual Growth Rate, is just your average yearly speed on a wild road trip, potholes included. But don’t let that number seduce you: a max drawdown of –33.32% says this thing can still punch you in the face. Versus a more balanced portfolio, you’ve been riding the growth wave hard. Just remember: the last decade was especially kind to US stocks and tech. Past data is basically yesterday’s weather: useful, but not exactly a prophecy for the next storm.

Projection Info

The Monte Carlo results are screaming optimism: median outcome up around 681.9%, with even the 5th percentile still positive at 139.1%. Monte Carlo is just a fancy way of stress‑testing your portfolio by simulating thousands of “alternate universe” market paths, like running a movie with different bad plot twists. But those simulations are built on past returns and volatility, so if the future is uglier, the model is politely lying to you. This setup should do great if markets keep being friendly to stocks and tech. If not, you’ll find out the hard way what “all in on growth” really feels like.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset classes: 99% stocks, 1% cash, 0% chill. That’s not a growth portfolio; that’s an “I fear bonds” manifesto. In a crash, stocks tend to all dive together, while bonds usually act like the one sober friend holding the car keys. You’ve basically decided you don’t need that friend. For someone with decades ahead, this can still be fine, but it’s brutally unforgiving in the short run. Adding even a modest bond or lower‑volatility slice could make returns smoother without totally murdering growth, turning the portfolio from roller coaster into at least a seat‑belted ride.

Sectors Info

  • Technology
    43%
  • Financials
    12%
  • Consumer Discretionary
    8%
  • Industrials
    8%
  • Telecommunications
    8%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Tech at 43% is a full‑blown habit, not a tilt. The S&P 500 already has a tech-heavy flavor, and you stacked another 20% pure tech on top like extra hot sauce on an already spicy meal. Financials, healthcare, consumer sectors and others show up, but they’re clearly backup dancers to the tech headliner. When tech is winning, this will feel genius. When it isn’t, the pain will be concentrated and loud. Easing off the extra dedicated tech slice and spreading that chunk across more balanced equity exposure could keep you from living or dying by one sector’s mood swings.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geography says “America first and second and maybe third”: 81% North America, with the rest of the world getting pocket change. For recent history, that looked smart because the US has been the star of the show. But countries take turns being the overachiever and the disappointment. If non‑US markets finally wake up, this setup will catch only part of that upside. You do at least have some developed Europe and Asia plus a token presence in emerging markets, which is better than “US only,” but still very home-biased. Nudging more toward global balance could reduce the bet that the US never stumbles.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    32%
  • Mid-cap
    16%
  • Small-cap
    3%
  • Micro-cap
    1%

Market cap breakdown is very index‑standard: 47% mega, 32% big, 16% medium, with tiny crumbs in small and micro. Translation: you’ve basically hired the global corporate giants to run your money and given startups and smaller firms barely any speaking time. That’s fine for stability and liquidity, but you’re not exactly tapping into the full “small but mighty” potential. Standard benchmarks look similar, so you’re not doing anything wild here. If more growth oomph is ever wanted, increasing exposure to smaller companies could help—but expect more drama, volatility, and occasional “why did I do this” moments.

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.

Risk versus return here is very “step on the gas and hope the brakes work later.” For the level of volatility taken—99% stocks, big tech tilt—the returns have been strong, but that’s heavily helped by a very kind historical window. Efficient Frontier talk in plain English: it’s the line of best possible trade‑offs between risk and reward. You’re probably above average, but not magically optimized, especially given the lack of stabilizing assets. A small tweak toward more diversification across asset types and slightly less sector obsession could land a more efficient mix, where each unit of stress at least pulls its full weight.

Dividends Info

  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 1.34%

A 1.34% total yield is basically pocket money, not an income strategy. Dividends are those small cash thank‑yous companies toss you just for holding their stock, like a loyalty coupon. Here, the yield is low because you’re heavily into growthy US and tech names that prefer reinvesting profits over paying shareholders. That’s great if the goal is long‑term growth, not living off the portfolio next year. If income ever becomes important, this setup will need reworking: more dividend‑heavy exposure or a specific income sleeve. For now, expect most of the action from price growth, not cash hitting your account.

Ongoing product costs Info

  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

Costs are the one area where this looks almost suspiciously competent. A total expense ratio around 0.05% is basically free in portfolio terms; that’s “you actually read the fee column” energy. TER, or Total Expense Ratio, is what you pay the fund managers each year for existing. You’ve picked some of the cheapest options out there, which quietly boosts long‑term returns without you doing anything fancy. The only roast here is that with fees this low, you no longer have the “costs ate my returns” excuse if performance disappoints. Any future pain is going to be pure market reality, not fee leakage.

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