Roast mode 🔥

A portfolio that loves the S&P 500 more than diversification and geography

Report created on Jul 22, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

Diving into this portfolio is like attending a party where the theme is "S&P 500 or Bust." With 75% of your assets in two flavors of S&P 500 ETFs and a total stock market ETF, it's like betting on red at the roulette table, then doubling down...on red again. The addition of Amazon and NVIDIA spices things up but doesn't stray far from the tech-heavy, U.S.-centric comfort zone. It's as if someone said, "Let's diversify," then got distracted after five minutes.

Growth Info

Historically, this portfolio has ridden the S&P 500's coattails to an impressive 18.40% CAGR, which sounds great until you remember the -48.93% max drawdown. That's like enjoying a rollercoaster because of the highs but forgetting the terrifying drops. Relying on a few big days for most returns is like banking on lottery tickets for retirement: exhilarating when it works, but not a strategy for the faint-hearted.

Projection Info

Monte Carlo simulations suggest a wild ride ahead, with potential outcomes ranging from "buy an island" to "keep your day job." While the 33.51% annualized return across all simulations is eye-watering, it's important to remember that simulations are educated guesses, not promises. Banking on the 67th percentile to fund your lavish lifestyle might leave you couch surfing instead.

Asset classes Info

  • Stocks
    100%

With a 100% allocation to stocks, this portfolio treats asset class diversification like a dietary suggestion rather than a balanced meal plan. It's all steak, all the time, with no veggies or grains to keep things balanced. While stocks have historically provided great returns, they also bring volatility. A little bond or alternative asset exposure might not be as exciting but could prevent indigestion during market downturns.

Sectors Info

  • Technology
    36%
  • Consumer Discretionary
    15%
  • Financials
    12%
  • Telecommunications
    9%
  • Health Care
    8%
  • Industrials
    7%
  • Consumer Staples
    5%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    1%

The tech sector's 36% stranglehold on your portfolio is like having too much of your favorite ice cream: fantastic until you realize you've had too much. With consumer cyclicals, financial services, and other sectors trailing far behind, there's a heavy bet on tech continuing its market leadership. It's a sector that's performed phenomenally, but sector rotation means yesterday's winners aren't guaranteed tomorrow's success.

Regions Info

  • North America
    100%

This portfolio's "America First" approach to geography makes it seem like the rest of the world's markets don't exist. While the U.S. market is a behemoth, ignoring international diversification is like refusing to acknowledge any music genre outside of classic rock. Sure, it's great, but there's a whole world of variety out there that could enhance your experience and potentially your returns.

Market capitalization Info

  • Mega-cap
    54%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    2%

A mega and big-cap love affair dominates, making this portfolio look like it only shops at designer stores, ignoring the potential value in smaller, boutique options. While mega and big caps offer stability and have driven much of the past decade's market returns, they often lack the growth potential found in smaller companies. It's safety first, but perhaps too cautious for someone seeking growth.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard S&P 500 Growth Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

The high correlation between your ETFs is like having three different streaming services but only watching the same show on each. It feels diversified, but you're essentially getting more of the same. This redundancy dilutes the benefits of diversification, increasing your portfolio's risk without the promise of additional returns. It's time to consider broadening your viewing habits.

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 risk-return profile is like a sports car with bald tires: great performance potential but sketchy in adverse conditions. The heavy overlap in holdings and lack of true diversification could see it spinning out of control when market conditions get slippery. Before dreaming of optimization, let's get some all-weather tires by diversifying across asset classes and geographies.

Dividends Info

  • Vanguard S&P 500 ETF 1.20%
  • Vanguard S&P 500 Growth Index Fund ETF Shares 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 0.98%

On the dividend front, your portfolio's average yield hovers just under 1%, which is like finding loose change in the couch cushions. It's a nice bonus but hardly a game changer for income-focused investors. Given the growth tilt of your portfolio, this isn't surprising, but it underscores the portfolio's one-track mind: capital appreciation with little room for income generation.

Ongoing product costs Info

  • Vanguard S&P 500 ETF 0.03%
  • Vanguard S&P 500 Growth Index Fund ETF Shares 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.04%

At least you're frugal with costs, sporting a total expense ratio that's leaner than a budget airline's legroom. This is commendable in a world where fees can eat into returns like termites in a wooden house. It's one of the few areas where your portfolio's simplicity and focus on index funds pay off, keeping more of those returns in your pocket.

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