This portfolio has only about 1.9 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 tech-heavy rollercoaster ride disguised as a balanced portfolio

Report created on Aug 19, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio screams "I love tech but I'm trying to diversify, promise!" With nearly 12% sunk into NVIDIA and significant holdings in Microsoft and Amazon, it's like betting on black, red, and green in roulette and thinking you've diversified. The attempt to sprinkle in some funds and other sectors is commendable, but it's akin to adding a salad to a meal of burgers and fries and calling it healthy.

Growth Info

Historically, this portfolio has performed like a caffeinated squirrel in a nut factory, with a CAGR of 28.37%. While those numbers might make you feel like the Wolf of Wall Street, remember that past performance is as reliable as a weather forecast. With a max drawdown of -16.71%, it's clear this portfolio can give you a wild ride. Diversification isn't just for show; it's supposed to save you from heart attacks during market downturns.

Projection Info

The Monte Carlo simulation, with its fancy 1,000 scenarios, suggests you could be swimming in gains or just barely keeping your head above water. While the median outcome looks like a lottery win, remember, Monte Carlo is like playing financial fantasy football. It's fun to dream, but the actual game can get messy. Diversifying beyond tech titans and flavor-of-the-month funds might prevent future you from contemplating time travel.

Asset classes Info

  • Stocks
    87%
  • Bonds
    11%
  • Cash
    1%

With 87% in stocks, this portfolio is more aggressive than a caffeinated toddler. The tiny 11% in bonds and the symbolic 1% in cash show a love for the thrill but a surprising disregard for the safety net. It's like driving a sports car on a mountain road; exhilarating but risky. Spreading the risk across different asset classes could be like having an experienced co-pilot.

Sectors Info

  • Technology
    26%
  • Financials
    15%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Consumer Staples
    7%
  • Health Care
    5%
  • Energy
    5%
  • Consumer Discretionary
    4%
  • Utilities
    3%
  • Telecommunications
    3%
  • Basic Materials
    1%
  • Real Estate
    1%

The tech sector's overweight in this portfolio is the elephant in the room, or rather, the T-Rex. With 26% in technology, it's like having all your eggs in one basket and asking the T-Rex not to sit on it. Financial services and industrials make a noble attempt at balance, but it's like bringing a knife to a gunfight. Broadening your sector exposure might prevent your financial plan from going extinct.

Regions Info

  • North America
    89%
  • No data
    2%
  • Europe Developed
    2%
  • Asia Emerging
    2%
  • Asia Developed
    1%
  • Latin America
    1%

This portfolio's love affair with North America (89%) is like refusing to eat anything but pizza. Sure, pizza is great, but have you tried sushi or tacos? The minimal exposure to other regions is a missed opportunity for both risk management and growth. Expanding your geographic palate could introduce you to flavors of investment you never knew you loved.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    22%
  • Small-cap
    6%
  • Mid-cap
    6%
  • No data
    4%
  • Micro-cap
    2%

The portfolio's tilt towards mega (46%) and big (22%) caps is like only hanging out with the popular crowd. While they're less likely to have dramatic falls from grace, they also don't have as much room to grow. Sprinkling in more small and medium caps could be like making friends with the future valedictorian before they hit their growth spurt.

Redundant positions Info

  • JPMORGAN EQUITY INCOME FUND CLASS R6
    AMERICAN MUTUAL FUND CLASS F-3
    High correlation
  • Vanguard Intermediate-Term Bond Index Fund ETF Shares
    Lord Abbett Core Fixed-Income Cl F3
    PRUDENTIAL TOTAL RETURN BOND FUND CLASS Q
    High correlation
  • GROWTH FUND OF AMERICA CLASS F-3
    JPMORGAN U.S. EQUITY FUND CLASS R6
    High correlation

The love triangle among certain funds and bonds in this portfolio offers as much diversification as different brands of vanilla ice cream. High correlation means when one asset falls, the others are likely to follow, turning your portfolio into a synchronised swimming team that dives together. Introducing truly diverse assets could turn that team into a more versatile decathlon squad.

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 portfolio's strategy seems to confuse "diversification" with "collecting similar things." The presence of highly correlated assets is like owning ten different copies of the same book; it looks impressive on a shelf but doesn't add much value. Simplifying and genuinely diversifying your holdings could turn that decorative shelf into a comprehensive library.

Dividends Info

  • Abbott Laboratories 1.80%
  • AMERICAN MUTUAL FUND CLASS F-3 6.00%
  • Vanguard Intermediate-Term Bond Index Fund ETF Shares 3.90%
  • ConAgra Foods Inc 5.50%
  • Chevron Corp 4.30%
  • Evergy, Inc. 3.70%
  • FEDERATED BOND FUND CLASS R6 SHARES 3.20%
  • NEW WORLD FUND INC CLASS F-3 3.50%
  • GROWTH FUND OF AMERICA CLASS F-3 0.60%
  • General Dynamics Corporation 1.90%
  • iShares S&P Mid-Cap 400 Value ETF 1.90%
  • JPMorgan Chase & Co. 4.30%
  • JPMORGAN U.S. EQUITY FUND CLASS R6 5.60%
  • Kellanova 2.80%
  • WK Kellogg Co 2.80%
  • Lord Abbett Bond Debenture Cl F3 5.20%
  • Lord Abbett Core Fixed-Income Cl F3 3.90%
  • McDonald’s Corporation 2.30%
  • Microsoft Corporation 0.50%
  • Norfolk Southern Corporation 1.40%
  • JPMORGAN EQUITY INCOME FUND CLASS R6 7.50%
  • Philip Morris International Inc 3.20%
  • PRUDENTIAL TOTAL RETURN BOND FUND CLASS Q 3.90%
  • SMALLCAP WORLD FUND INC CLASS F-3 0.90%
  • Target Corporation 4.30%
  • VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY FUND (FORMERLY VICTORY SMALL COMPANY OPPORTUNITY FUND) CLASS R6 8.90%
  • Weighted yield (per year) 2.46%

Relying on dividends from this portfolio is like expecting a Chihuahua to pull a sled. Sure, there's some power there, but it's not going to get you through the winter. With an overall yield of 2.46%, it's clear that income generation is not this portfolio's strong suit. A more balanced approach to dividend-yielding assets might just beef up that sled-pulling power.

Ongoing product costs Info

  • AMERICAN MUTUAL FUND CLASS F-3 0.27%
  • Vanguard Intermediate-Term Bond Index Fund ETF Shares 0.04%
  • FEDERATED BOND FUND CLASS R6 SHARES 0.59%
  • NEW WORLD FUND INC CLASS F-3 0.57%
  • GROWTH FUND OF AMERICA CLASS F-3 0.30%
  • iShares S&P Mid-Cap 400 Value ETF 0.18%
  • JPMORGAN U.S. EQUITY FUND CLASS R6 0.44%
  • Lord Abbett Bond Debenture Cl F3 0.55%
  • Lord Abbett Core Fixed-Income Cl F3 0.30%
  • JPMORGAN EQUITY INCOME FUND CLASS R6 0.45%
  • PRUDENTIAL TOTAL RETURN BOND FUND CLASS Q 0.39%
  • SMALLCAP WORLD FUND INC CLASS F-3 0.65%
  • VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY FUND (FORMERLY VICTORY SMALL COMPANY OPPORTUNITY FUND) CLASS R6 0.85%
  • Weighted costs total (per year) 0.19%

At an average Total Expense Ratio (TER) of 0.19%, this portfolio is surprisingly cost-efficient, akin to finding a luxury car with the fuel efficiency of a Prius. While the portfolio's strategy might be as balanced as a one-legged stool, at least you're not overpaying for the privilege of watching it wobble.

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