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A high-flying tech and healthcare gamble dressed as a diversified portfolio

Report created on Jun 11, 2025

Risk profile Info

6/7
Aggressive
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

At first glance, this portfolio looks like someone tried to diversify but then got distracted by shiny objects. With UnitedHealth and NVIDIA making up nearly 70% of the portfolio, it's like packing for an Antarctic expedition but filling your suitcase with swimsuits and a single parka. The attempt at diversification seems more like an afterthought, with token allocations to a few other stocks and ETFs that barely move the needle.

Growth Info

Historically, with a CAGR of 19.84%, this portfolio might seem like it's on steroids, especially with those few days contributing disproportionately to returns. However, that -32.53% max drawdown is like a roller coaster that's thrilling until you realize the safety bar is a bit loose. It's a stark reminder of the volatility you're strapped into, with the bulk of your ride dependent on two big players.

Projection Info

Monte Carlo simulations with a spread from -95.4% to +483.9% are less a forward projection and more a wild guess. This range suggests your investment could either implode spectacularly or make you the envy of your neighborhood. Remember, Monte Carlo is like forecasting weather in a hurricane zone — useful, but pack both an umbrella and sunscreen because it's going to be unpredictable.

Asset classes Info

  • Stocks
    100%

With 100% in stocks, this portfolio is like a diet consisting entirely of energy drinks. It's thrilling and might feel great for a while, but eventually, you'll wish you had some water or a vegetable. The lack of bonds, cash, or alternative investments means you're missing out on crucial diversification that could help smooth out those wild swings in performance.

Sectors Info

  • Health Care
    48%
  • Technology
    42%
  • Telecommunications
    4%
  • Financials
    3%
  • Consumer Discretionary
    1%
  • Consumer Staples
    1%
  • Industrials
    1%
  • Energy
    1%

A 48% allocation to healthcare and 42% to technology means you're basically wearing sector blinders. It's like going to an all-you-can-eat buffet and only loading up on bread. Sure, tech and healthcare have been hot, but ignoring other sectors completely leaves you vulnerable to sector-specific downturns. Diversification across sectors is like a balanced diet; it might not be as exciting, but it's healthier in the long run.

Regions Info

  • North America
    92%
  • Europe Developed
    7%
  • Latin America
    1%

With 92% in North America, this portfolio screams home bias louder than a bald eagle at a baseball game. While the U.S. market is a powerhouse, ignoring the rest of the world's markets is like refusing to acknowledge that there's good food outside of your hometown. Emerging markets and other developed markets offer growth opportunities and diversification benefits that this portfolio is missing out on.

Market capitalization Info

  • Mega-cap
    81%
  • Large-cap
    12%
  • Small-cap
    5%
  • Mid-cap
    2%

An 81% allocation to mega-caps suggests a safety-first approach, akin to wearing a life jacket in a kiddie pool. While mega-caps are generally less volatile, putting almost all your eggs in that basket ignores the growth potential of smaller companies. Sure, small and mid-caps carry more risk, but they can also provide higher returns and further diversification.

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.

This portfolio's risk-return optimization seems to have been done with a "more is better" approach to returns, ignoring the risk side of the equation. It's like trying to improve your car's performance by only adding horsepower without considering brakes. A more balanced approach, considering both risk and return, could lead to a smoother and potentially more profitable ride.

Dividends Info

  • Fidelity Contrafund 4.60%
  • Novo Nordisk A/S 2.00%
  • Opera Ltd 4.20%
  • Global X NASDAQ 100 Covered Call ETF 13.60%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • UnitedHealth Group Incorporated 2.80%
  • Weighted yield (per year) 1.97%

The dividend yield strategy here is a mixed bag. While some positions offer attractive yields, like the 13.6% from the Global X NASDAQ 100 Covered Call ETF, relying too heavily on dividends from a few high-yielders is like planning your nutrition around vitamin supplements. They're a helpful boost but shouldn't be the only thing on your plate. A balanced approach to growth and income could provide a steadier, more sustainable path forward.

Ongoing product costs Info

  • Fidelity Contrafund 0.63%
  • Global X NASDAQ 100 Covered Call ETF 0.61%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Weighted costs total (per year) 0.06%

The costs are a bright spot, with low fees on most ETFs, except for the Fidelity Contrafund's 0.63% — a bit steep, like paying for a gourmet burger at a fast-food joint. While keeping costs low is commendable, it's crucial to ensure that penny-pinching doesn't come at the expense of necessary diversification and quality investments.

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