A high-octane ride with the S&P 500 and Bitcoin in the driver's seat
Report created on Aug 21, 2025Risk profile
5/7
Diversification profile
1/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 20.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 20.00% -
FB Fidelity Wise Origin Bitcoin Trust
FBTC - US3159481098 10.00%
Your portfolio is like a four-course meal where three courses are variations of chicken and the fourth is a wild card of chocolate cake. With 90% in stocks heavily leaning towards large-cap US equities and a spicy 10% in Bitcoin for dessert, it's a feast in bull markets but a fast in bears. Diversification isn't just about adding different labels; it's about mixing up the flavors. Right now, it seems like you've mistaken "varied" for "variations of the same."
Growth
Historically, this portfolio has rocketed like a Tesla on Autopilot with a 30.01% CAGR, but let's not forget, even Teslas crash. The -20.36% max drawdown is a sobering reminder that what goes up can come down hard. Relying heavily on a few sectors means when they sneeze, your portfolio could catch a cold. Or pneumonia. Remember, past performance is like rearview mirror driving – it's not the best way to navigate the future.
Projection
Monte Carlo simulations suggest this portfolio could be a millionaire maker or a heartbreaker, with a wild swing from 1,857.4% to 21,443.5% at the 67th percentile. But let's be real, Monte Carlo is better known for its casinos, and betting the farm on such optimistic projections is akin to playing roulette with your retirement. Diversify or risk watching your dreams retire before you do.
Asset classes
- Stocks 90%
- Other 10%
Stocks and Bitcoin? It's like you've decided that the only two food groups worth your time are meat and candy. With 90% in stocks and a daring 10% in Bitcoin, your portfolio's nutritional balance is off. This high-protein, high-sugar diet could lead to some serious heartburn in volatile markets. Consider adding some veggies (bonds, real estate) and grains (commodities) to stabilize your financial health.
Sectors
- Technology 32%
- Financials 12%
- Consumer Discretionary 11%
- Telecommunications 10%
- Health Care 7%
- Industrials 7%
- Consumer Staples 5%
- Energy 2%
- Utilities 2%
- Real Estate 1%
- Basic Materials 1%
Technology at 32%? Congratulations on joining the tech addiction club. While tech stocks can provide rocket fuel for growth, they can also crash land. The underrepresentation of other sectors like healthcare, industrials, and especially basics like utilities and real estate, makes your portfolio a one-trick pony. Diversification across sectors is like eating from all food groups; it's essential for long-term health.
Regions
- North America 90%
With 90% of your assets pledging allegiance to the US, your portfolio is missing out on the global banquet. Emerging markets are the spice of life, adding flavor and growth potential that developed markets might lack. This geographical myopia could limit your growth and increase your risk, as you're all in on the American dream, which, like any dream, can sometimes turn into a nightmare.
Market capitalization
- Mega-cap 47%
- Large-cap 28%
- Mid-cap 14%
- Small-cap 1%
Your portfolio's love affair with mega and big caps is like only dating celebrities; it's glamorous but volatile. While these companies offer stability and dividends, the scant 1% in small caps is a missed opportunity for growth. Small caps are the Silicon Valley startups of the stock world – risky but with potential for significant returns. It's time to swipe right on some smaller fish.
Redundant positions
-
High correlationVanguard S&P 500 ETFSchwab U.S. Large-Cap Growth ETFInvesco S&P 500® Momentum ETF
The triple threat of S&P 500 ETFs in your portfolio is like owning three different brands of the same car. They might look slightly different, but when it comes to performance, they're moving in the same direction. This redundancy adds no real diversification and amplifies your risk in market downturns. It's akin to putting all your eggs in one basket, then handing that basket to a juggler.
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 is on the Efficient Frontier like a drunk at a party – technically there, but not in a good way. The high correlation among your assets and the rollercoaster ride with Bitcoin suggests you're playing a risky game without the optimal risk-return trade-off. It's time to sober up and consider assets that are not moving in lockstep, spreading your bets to smooth out the ride.
Dividends
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Invesco S&P 500® Momentum ETF 0.60%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 0.80%
With a total yield of 0.80%, your portfolio's dividend strategy is like finding loose change under the couch cushions; it's nice but won't pay the bills. While not the main attraction in a growth-focused portfolio, dividends can provide a steady cash flow, acting as a cushion during market dips. Consider sprinkling in some higher-dividend-yielding assets to beef up your income stream.
Ongoing product costs
- Fidelity Wise Origin Bitcoin Trust 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.07%
At least you're keeping costs low, with a Total TER of 0.07%. It's like finding a luxury car with the fuel efficiency of a Prius. Low costs mean more of your money is working for you, which is particularly smart when navigating the high-speed, high-risk lanes you're in. Keep an eye on these costs, though; even a small increase can eat into your returns over time.
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