Roast mode 🔥

A portfolio riding the tech wave with an almost forgotten sprinkle of international flavor

Report created on Oct 17, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

At first glance, your portfolio seems like you asked a magic 8-ball whether you should diversify and it said, "Eh, not really." With a whopping 70% in an S&P 500 ETF, you're essentially betting the farm on the US market. Throwing in 20% on a semiconductor ETF is like doubling down on your tech addiction, and the token 10% in international stocks feels like adding a dash of pepper to an already spicy dish. It’s like you’re preparing for a tech boom buffet but forgot to invite other sectors to the party.

Growth Info

Let's talk about your historical performance. With a CAGR of 17.96%, you're probably feeling like the Warren Buffett of tech investing. However, that -33.09% max drawdown is a stark reminder that what goes up can come crashing down faster than you can say "market correction." It's like enjoying a rollercoaster ride until you realize you're not strapped in. Those 41 days making up 90% of your returns? It's the financial equivalent of cramming for exams the night before and hoping for the best.

Projection Info

Monte Carlo simulations show a dizzying 926.1% median increase, painting a rosy picture that might have you planning early retirement. But remember, Monte Carlo is like Vegas for investors—what looks promising in simulations can leave you empty-handed in the real world. With 996 out of 1,000 simulations showing positive returns, it's tempting to bet it all. Yet, the real kicker is the range of outcomes, suggesting that while you might hit the jackpot, there's also a chance you could end up playing penny slots.

Asset classes Info

  • Stocks
    100%

Your portfolio's asset class diversity is like a diet consisting solely of meat and potatoes—basic and lacking in greens. With 100% in stocks, you're riding the high waves of market volatility without a life jacket. It's a thrilling ride, sure, but when the storm hits, you'll be wishing for a more balanced diet that includes bonds or real estate to soften the blow.

Sectors Info

  • Technology
    46%
  • Financials
    12%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Industrials
    7%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

The tech sector's 46% stranglehold on your portfolio is like having half your diet come from fast food—exciting in the moment but potentially regrettable long-term. While tech has been the golden child of growth, this heavy tilt exposes you to the whims of a single sector's volatility. Financial services and consumer cyclicals are like the side dishes that barely get any attention, leaving your portfolio's sectoral diet unbalanced and craving variety.

Regions Info

  • North America
    87%
  • Europe Developed
    5%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Japan
    2%

With 87% in North America, your portfolio screams "home country bias" louder than a bald eagle at a Fourth of July parade. The mere 10% international exposure is like acknowledging the world exists but not wanting to explore it. This geographic allocation might feel cozy, but it's like traveling the world through a postcard collection—limited and lacking in real experience.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    37%
  • Mid-cap
    15%
  • Small-cap
    1%

Your mega and big-cap obsession, totaling 83%, is the investing equivalent of only hanging out with the popular crowd. Sure, they're cool and all, but ignoring the small and micro caps means missing out on potential growth stories that could add spice to your portfolio. It's like going to a buffet and only eating from the salad bar—safe, but oh so boring.

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 portfolio's efficiency is a bit like wearing floaties in the deep end—it gives you a sense of security, but it won't help much if the market takes a nosedive. Relying heavily on the S&P 500 and tech sectors for growth is akin to putting all your eggs in one basket and then juggling them. It's time to consider spreading those eggs around before gravity has its way.

Dividends Info

  • VanEck Semiconductor ETF 0.30%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.18%

Your dividend yield strategy is like finding loose change under the couch cushions—nice to have but not life-changing. With a total yield of 1.18%, it's clear you're not in it for the income. This approach is fine if you're all about growth, but don't expect these dividends to pay for anything more than a symbolic cup of coffee.

Ongoing product costs Info

  • VanEck Semiconductor ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

The silver lining in your portfolio is its cost efficiency, with a total expense ratio (TER) of just 0.10%. It's like finding a budget airline that gets you where you need to go without the frills. This frugality is commendable in a world where fees can eat into returns like a termite infestation in a wooden house.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey