This portfolio has only about 1.8 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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A roller coaster ride disguised as a balanced portfolio: too much thrill, not enough safety

Report created on Nov 4, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

At first glance, this portfolio screams "I love the S&P 500 so much, I bought it thrice!" With over half the portfolio in a single ETF, one might wonder if the concept of diversification was interpreted as "buy everything that moves with the S&P." The scattering of international exposure and a flirtation with gold and Bitcoin feels like adding a sprinkle of pepper to an already salt-heavy dish, leaving a taste that's anything but balanced.

Growth Info

Historically, this portfolio's CAGR is like that one friend who brags about their Vegas winnings but quietly omits their losses. A 27.26% CAGR might have you thinking you're on the fast track to retirement, but let's not forget the -17.18% max drawdown, which is like a sudden drop on this roller coaster ride. And those 19 days making up 90% of returns? That's less investment strategy and more playing financial roulette.

Projection Info

Monte Carlo simulations are essentially educated guesses dressed up in fancy math, showing us possible futures without any guarantees. Your portfolio's projections, with a median end value soaring, suggest you're betting on perpetually sunny skies. But remember, Monte Carlo also predicted the Titanic might have a few issues, and we all know how that went. Banking on the upper percentiles without preparing for storms could leave you all wet.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

With 90% stocks and a token gesture towards "other" assets (read: gold and Bitcoin), this portfolio is like going to a buffet and only loading up on carbs. Sure, it's satisfying now, but where's the nutritional balance? Zero in bonds and cash isn't just bold; it's like tightrope walking without a net. A little more variety could prevent a dietary—or financial—crash.

Sectors Info

  • Technology
    30%
  • Financials
    14%
  • Telecommunications
    10%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    1%

Tech-heavy with a side of financial services and communication, this portfolio has the sector diversity of a tech bro's Twitter feed. While having 30% in technology might seem like riding the wave of the future, it also means you'll sink like a stone if that wave crashes. A little more spread across sectors wouldn't just be wise; it'd be like actually wearing a life jacket while surfing.

Regions Info

  • North America
    77%
  • Europe Developed
    7%
  • Japan
    3%
  • Australasia
    1%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

"America or bust" seems to be the motto here, with a whopping 77% in North America. The token international exposure is like saying you're worldly because you once ate at an international airport food court. Expanding your horizons beyond the U.S. could mean more than just adding a few exotic ETFs—it could be the difference between a well-traveled portfolio and one that's barely left the backyard.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    28%
  • Mid-cap
    17%
  • No data
    5%
  • Small-cap
    3%

Mega and big caps lead the charge, making this portfolio look like it only shops at big-box stores, ignoring the potential gems in smaller shops. While there's comfort in the familiar, there's also a world where small and medium caps thrive, offering growth that the giants can't match. It's time to diversify your shopping list.

Redundant positions Info

  • Invesco S&P 500® Momentum ETF
    Vanguard S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    Invesco NASDAQ 100 ETF
    High correlation

The high correlation among your top holdings is like having four different apps to order pizza—they might look different, but the end result is the same. This redundancy doesn't add value; it just clutters your portfolio with more of what you already have. Diversifying into truly different assets could be like discovering there's more to life than just pizza.

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.

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This portfolio's version of "optimization" seems to be chasing the wind with a net. The high correlation among assets suggests a misunderstanding of diversification's role in risk management. Before trying to fine-tune, let's go back to basics: diversification means different, not "variations on a theme." It's time to spread your investment wings wider than variations of the S&P 500.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.40%
  • Invesco S&P International Developed Momentum ETF 1.70%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.08%

With a total yield of 1.08%, it's clear that living off dividends isn't the plan here. This portfolio treats dividends like an afterthought, something akin to finding change in the couch cushions. While not every investment strategy focuses on income, a bit more attention to dividends could provide a steady cash flow, making the lean times a little less lean.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • iShares Gold Trust 0.25%
  • iShares Bitcoin Trust 0.12%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.10%

The overall TER of 0.10% is surprisingly reasonable, like finding a designer label at a bargain price. In a portfolio that occasionally feels like a high-roller's gamble, the attention to keeping costs low is a commendable bright spot. It's like being frugal with taxi fare so you can splurge more at the casino.

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