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A high-octane ride through Wall Street with a blindfold on

Report created on Jul 19, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio screams "I love big names and I cannot lie," with a staggering 47.34% in the Vanguard S&P 500 ETF and another 22.05% in the Invesco NASDAQ 100 ETF. It's like betting on the Yankees and the Dodgers because you've heard they're good. The diversification here is as thin as the plot in a summer blockbuster, with a heavy tilt toward giant firms and tech, leaving it vulnerable to sector-specific downturns. It's the investment equivalent of putting all your eggs in one basket, then handing that basket to a bull in a china shop.

Growth Info

Historically, this portfolio's CAGR of 17.35% might make you feel like a Wall Street whiz, but remember, past performance is like using last year's weather forecast to plan today's picnic. The Max Drawdown of -27.27% should serve as a wake-up call; it's not always sunny in the stock market. Those 26 days making up 90% of returns? That's like winning the lottery on your first try and thinking you've cracked the code.

Projection Info

Monte Carlo simulations spit out a fancy range of outcomes, but let's not forget, it's essentially sophisticated gambling. Sure, a projected annualized return of 26.91% looks dazzling, but relying on this for future performance is like expecting to hit every green light on your way home. The wide range between the 5th and 67th percentiles suggests you might as well be throwing darts at a board. High risk, high reward, but also high chance of a crash landing.

Asset classes Info

  • Stocks
    100%

Stocks. Stocks everywhere. Not a bond, real estate, or alternative investment in sight. This 100% stock allocation is like driving a race car on ice—thrilling but with a high chance of spinning out. The lack of diversification across asset classes amplifies risk, making the portfolio susceptible to the whims of the stock market. It's a one-flavor buffet in a world of culinary abundance.

Sectors Info

  • Technology
    34%
  • Consumer Discretionary
    11%
  • Financials
    10%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    8%
  • Industrials
    7%
  • Energy
    5%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

Tech-heavy much? With 34% in technology, this portfolio is riding the Silicon Valley roller coaster with both hands up. Consumer cyclicals and financial services follow, but the tech obsession is glaring. It's like packing for a global trip and only bringing beachwear. Sure, sunny days are great, but what happens when you hit the financial equivalent of a snowstorm?

Regions Info

  • North America
    99%
  • Europe Developed
    1%

With 99% in North America, this portfolio has a severe case of home bias. It's like refusing to eat anything but American cheese. Expanding into other regions could provide a buffer against US market downturns and tap into growth elsewhere. Ignoring the rest of the world's markets is a missed opportunity for both risk management and potential gains.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    39%
  • Mid-cap
    19%
  • Small-cap
    1%

Mega and big caps dominate, making up 79% of the portfolio. This is the investment equivalent of only hanging out with the popular kids. Sure, they're less volatile than their smaller counterparts, but they also offer less growth potential. A sprinkle of medium, small, or even micro caps could spice things up, potentially boosting returns without rocking the boat too much.

Redundant positions Info

  • Schwab U.S. Dividend Equity ETF
    Vanguard Value Index Fund ETF Shares
    High correlation

The love affair between the Schwab U.S. Dividend Equity ETF and the Vanguard Value Index Fund ETF Shares is a classic tale of redundant assets. Their high correlation means they move together like synchronized swimmers, which might look pretty but does nothing for diversification. It's like having two identical tools in your toolbox; one would suffice.

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.

Before even thinking about the Efficient Frontier, let's talk about cutting back on those correlated assets. Optimization isn't just a fancy word for making things better; it's about getting the most bang for your buck without playing with dynamite. Right now, this portfolio is like trying to optimize the fuel efficiency of a drag racer. Start with the basics: diversify properly.

Dividends Info

  • Ford Motor Company 6.70%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Value Index Fund ETF Shares 2.20%
  • Weighted yield (per year) 1.56%

Leaning on dividends, are we? With a total yield of 1.56%, it's like expecting a trickle from a faucet to fill a swimming pool. Dividends can provide a steady income stream, but overreliance on them in a growth-focused portfolio could mean missing out on higher growth opportunities. It's a balancing act, and right now, this portfolio is wobbling.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.06%

At least you're not throwing money out the window with high fees. With a total TER of 0.06%, it's one of the few things this portfolio gets right. It's like finding a dollar on the sidewalk; not life-changing, but hey, it's something. Still, low costs can't compensate for the portfolio's other, more thrilling risks.

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