This portfolio has only about 1.3 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.
Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it Roast mode 🔥

A portfolio that's like a buffet with too much junk food and a few healthy options

Report created on Nov 4, 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 is like a salad with too much dressing; it's trying to be healthy with a mix of ETFs but ends up drowning in the high-calorie choices of tech and crypto. You've got a base of S&P 500 and NASDAQ 100 ETFs, which is like stacking your plate with carbs, then sprinkling it with some international flavor and bonds for "balance." But let's not forget the dessert — a small but risky bet on Bitcoin and Ethereum. It's moderately diversified in name only, like claiming you're on a diet while hiding a stash of candy bars.

Growth Info

Historically, this portfolio has performed like a hare in a marathon — impressive sprints followed by potential for exhaustion. A CAGR of 16.61% sounds like a dream until you realize it's like betting on red at the roulette table; it's great when it hits, but those max drawdowns of -14.05% are the hangover after the party. Remember, past performance is like rearview mirrors, it might be useful, but it's no way to drive into the future.

Projection Info

Monte Carlo simulations are like weather forecasts for your investments, and this portfolio's forecast has a chance of sunny returns but also significant storm warnings. With a wide range between the 5th and 67th percentiles, it's like saying there's a chance of rain — from a drizzle to a hurricane. Betting on a 20.71% annualized return across all simulations is like expecting to win the lottery; hopeful, but let's not plan retirement around it.

Asset classes Info

  • Stocks
    74%
  • Bonds
    14%
  • Cash
    6%
  • Other
    5%

With 74% in stocks, this portfolio is like a meat-lover's pizza — great if you're into that sort of thing, but lacking in the veggies (bonds, cash, and "others") that make for a balanced diet. The 5% allocation to crypto ("other") is the equivalent of adding pineapple; it's controversial and can either make or break the meal, depending on who you ask.

Sectors Info

  • Technology
    19%
  • Financials
    11%
  • Industrials
    7%
  • Consumer Discretionary
    7%
  • Telecommunications
    7%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Utilities
    3%
  • Basic Materials
    2%
  • Real Estate
    2%

The sector allocation here showcases a tech addiction with a 19% allocation, followed by a smattering across financial services, industrials, and the rest. It's like having a favorite chair — comfortable, but sit too long, and you might get stuck. Diversification across sectors is like exercise; it's essential for health, and right now, this portfolio is skipping leg day.

Regions Info

  • North America
    62%
  • Europe Developed
    9%
  • Japan
    2%
  • Australasia
    1%
  • Asia Developed
    1%

With 62% in North America, this portfolio has a home team bias that's like only watching local TV stations. Sure, you know what's happening in your backyard, but there's a whole world out there. The sprinkling of investments in developed Europe and a token gesture towards Japan and Australasia is like saying you're worldly because you eat at the international food court.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    25%
  • Mid-cap
    13%
  • Small-cap
    6%
  • Micro-cap
    1%

The market cap allocation is like a pyramid with a heavy base; lots of mega and big caps, and it tapers off as you go down. This is like preferring blockbuster movies over indie films — safer bets, but you might miss out on the next big hit. Remember, small and micro caps carry more risk, but they're also where growth stories start.

Redundant positions Info

  • SPDR® Portfolio S&P 500 ETF
    Invesco NASDAQ 100 ETF
    High correlation

The love story between the S&P 500 and NASDAQ 100 ETFs in this portfolio is like a romantic comedy that's too predictable. High correlation means when one falls, the other is likely to trip too. It's like having two left feet in the dance of diversification — awkward and prone to accidents.

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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

The efficiency of this portfolio is like a car with square wheels; it moves, but it's not a smooth ride. Before you even think about optimizing, let's address the elephant in the room — those highly correlated assets. It's like having multiple apps for the same service; redundant and cluttering your space.

Dividends Info

  • Franklin International Low Volatility High Dividend Index ETF 4.90%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab Intermediate-Term U.S. Treasury ETF 3.50%
  • iShares® 0-3 Month Treasury Bond ETF 3.90%
  • SPDR® Portfolio S&P 500 ETF 1.10%
  • iShares 0-5 Year TIPS Bond ETF 3.40%
  • Vanguard Small-Cap Value Index Fund ETF Shares 2.00%
  • Vanguard Value Index Fund ETF Shares 2.10%
  • Weighted yield (per year) 2.21%

Relying on dividends here is like counting on finding loose change in the couch for your weekend plans. With an overall yield of 2.21%, it's not going to fund a lavish lifestyle. It's more like a modest allowance that's nice to have but don't expect it to cover the big bills.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Franklin International Low Volatility High Dividend Index ETF 0.40%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab Intermediate-Term U.S. Treasury ETF 0.03%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • iShares 0-5 Year TIPS Bond ETF 0.03%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • iShares Ethereum Trust ETF 0.25%
  • Weighted costs total (per year) 0.12%

At least the costs are under control, with a Total Expense Ratio (TER) averaging around 0.12%. It's like finding a low-fee ATM; it doesn't make the night out cheaper, but at least you're not wasting money just to access your funds.

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