A tech-heavy portfolio masquerading as conservative while flirting with volatility
Report created on May 12, 2025Risk profile
2/7
Diversification profile
4/5
Positions
-
SP SPDR® Portfolio S&P 500 ETF
SPLG - US78464A8541 60.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00% -
MA Roundhill Magnificent Seven ETF
MAGS 10.00%
At first glance, this portfolio screams "diversified," but it's more like putting all your eggs in different baskets that are all carried by the same person. With 60% in an S&P 500 ETF and another 15% in a tech ETF, you're essentially doubling down on tech, given the S&P 500's heavy tech orientation. The attempt at international diversification and a sprinkle of whatever the "Magnificent Seven" are supposed to be, barely offsets the tech overload. It's like trying to balance a diet by adding a single vegetable to a plate of steaks.
Growth
Historically, this portfolio has been the hare in the race, boasting a CAGR of 18.42% with a max drawdown so low it's practically a scratch. But remember, past performance is like rearview mirror driving – it doesn't account for the roadblock up ahead. Relying on a few good days for most of your returns? That's not investing; that's gambling on a lucky streak continuing.
Projection
The Monte Carlo simulation might paint a rosy picture with a median end value skyrocketing, but let's not forget, Monte Carlo is also a famous casino. Betting on simulations without considering real-world chaos is like planning your retirement on a lottery win. Sure, the numbers look great, but they're as stable as a house of cards in a wind tunnel.
Asset classes
- Stocks 99%
- Cash 1%
With 99% in stocks and a token 1% in cash, calling this portfolio "conservative" is like calling a cheetah lazy because it sleeps a lot. It's all fun and games until the market takes a dive, and you're left wondering why your "broadly diversified" portfolio is sinking like a stone. A little more balance might prevent a future heart attack.
Sectors
- Technology 36%
- Financials 12%
- Consumer Discretionary 8%
- Health Care 8%
- Industrials 7%
- Telecommunications 7%
- Consumer Staples 5%
- Energy 3%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
Tech at 36%? That's not diversification; that's a tech addiction. The sector breakdown reads like a who's who of the stock market, with financial services and consumer cyclicals trailing far behind. It's like having a balanced diet of pizza, ice cream, and a side salad and calling it healthy because you didn't eat two pizzas.
Regions
- North America 76%
- Europe Developed 6%
- Asia Emerging 3%
- Japan 2%
- Asia Developed 2%
- Australasia 1%
- Africa/Middle East 1%
76% in North America and a timid toe-dip into international waters doesn't scream global investor; it whispers home bias. Expanding your horizons beyond the familiar could prevent your portfolio from missing out on global growth stories. It's like traveling the world but only visiting American fast-food chains.
Market capitalization
- Mega-cap 43%
- Large-cap 29%
- Mid-cap 15%
- Small-cap 2%
- Micro-cap 1%
This portfolio's love affair with mega and big caps is like only ever dating celebrities; it's glamorous until it isn't. Sure, they're stable and reliable until they're not, and then you're left wondering what happened. Mixing in more medium, small, and micro-caps could add some spice and potential growth to your investment love life.
Redundant positions
-
High correlationSPDR® Portfolio S&P 500 ETFVanguard Information Technology Index Fund ETF Shares
Having your two largest holdings as highly correlated assets is like wearing two left shoes; they look similar but it's not exactly comfortable or practical. It's the illusion of diversification. In a crash, they'll move together—down. It's time to find a right shoe for a more balanced walk through the markets.
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.
Your current risk-return mix is like riding a tricycle on the highway. Sure, you're moving, but not efficiently or particularly safely. The optimal portfolio promises a glitzy 84.24% return at a risk level that would give a stuntman pause. Maybe aim for a middle ground where you don't need a parachute to enjoy the ride.
Dividends
- Roundhill Magnificent Seven ETF 0.90%
- SPDR® Portfolio S&P 500 ETF 1.30%
- Vanguard Information Technology Index Fund ETF Shares 0.60%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.41%
The dividend yield is like getting a bonus for showing up, but at 1.41%, it's not going to make you rich. It's more like finding change under the couch cushions; nice to have but not life-changing. Considering rebalancing towards assets with a stronger income component could add a steady beat to your portfolio's rhythm.
Ongoing product costs
- Roundhill Magnificent Seven ETF 0.29%
- SPDR® Portfolio S&P 500 ETF 0.02%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
Costs are under control, which is the portfolio's saving grace. With a total TER of 0.06%, at least you're not bleeding money on fees. It's like finding a no-booking-fee concert ticket; the performance might still disappoint, but at least you didn't overpay to get in.
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