Roast mode 🔥

A high-flying portfolio with a tech-heavy heart and a sprinkle of diversification fairy dust

Report created on Aug 19, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio has a strong love affair with the S&P 500 and a dangerous crush on tech stocks, notably NVIDIA and AMD, making it look less like a diversified portfolio and more like a Silicon Valley fan club. With nearly half of the portfolio in just one ETF, it's like putting most of your eggs in a basket and then watching the basket very, very closely. The inclusion of a few funds and a token gesture towards international stocks doesn't quite mask the overwhelming scent of tech bias here.

Growth Info

Historically, this portfolio has been like a roller coaster designed by Elon Musk - thrilling highs with a CAGR of 23.11% but stomach-churning lows with a max drawdown of -42.89%. It's the kind of ride that makes you question your life choices halfway through, especially on those 35 days that apparently carried 90% of the returns. High risk, high reward, but possibly also high blood pressure.

Projection Info

Monte Carlo simulations suggest this portfolio could either be a ticket to the moon or a spectacular crash, with a 5th percentile outcome at -62.6% (ouch) and a median projection that's off the charts at 1,066.0%. These simulations are like fortune-telling with fancy math - interesting to ponder but take it with a grain of salt, as the future often writes its own rules, especially in the tech sector.

Asset classes Info

  • Stocks
    97%
  • Bonds
    3%

The asset class spread here screams "stocks or bust," with a token nod to bonds that's so small it's practically homeopathic. With 97% in stocks, this portfolio is riding the equity wave hard. It's like showing up to a buffet and only loading your plate with dessert - delicious but potentially regrettable.

Sectors Info

  • Technology
    45%
  • Financials
    10%
  • Industrials
    9%
  • Health Care
    7%
  • Consumer Discretionary
    6%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    1%

The sector allocation reads like a tech investor's dream diary, with a whopping 45% in technology alone. While tech has been the golden child of sectors, having nearly half your portfolio in one sector is like betting on black because it hit once. The underrepresentation of other sectors means missing out on diversification's protective embrace.

Regions Info

  • North America
    88%
  • Europe Developed
    3%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

With 88% in North America, this portfolio's geography game is strong, if not a bit myopic. It's like planning a world tour but only visiting Canada and the U.S. Sure, they're great, but there's a whole world out there. The minimal investment in other regions adds spice but hardly makes for a global feast.

Market capitalization Info

  • Mega-cap
    51%
  • Large-cap
    26%
  • Mid-cap
    16%
  • Small-cap
    2%

Mega and big caps dominate this portfolio, which is like always shopping at big-box stores and ignoring the charming boutiques. Sure, there's stability and familiarity with the giants, but the small and micro caps offer growth potential and excitement that's missing here. It's a conservative move that fits the tech love affair but narrows the growth avenues.

Redundant positions Info

  • WELLS FARGO DIVERSIFIED CAPITAL BUILDER FUND ADMINISTRATOR
    FIDELITY ASSET MANAGER 85% FIDELITY ASSET MANAGER 85%
    Vanguard S&P 500 ETF
    Vanguard Total World Stock Index Fund ETF Shares
    FIDELITY ZERO TOTAL MARKET INDEX FUND
    High correlation

The correlated assets in this portfolio are like a group of friends who all laugh at the same jokes. It feels good until you realize a bit of diversity could have brought in some fresh perspectives. High correlation, especially among the funds and the S&P 500 ETF, dilutes the diversification benefits, making the portfolio more vulnerable to specific market movements.

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.

This portfolio is like a sports car that's only been driven in the city - it's not quite optimized for what it's capable of. The high correlation among assets suggests a redundancy party, and the tech-heavy tilt is a one-trick pony at a circus. Before even thinking about optimization, there's a need to declutter and diversify properly. It's about finding the balance between growth and protection, not just chasing the next big thing.

Dividends Info

  • WELLS FARGO DIVERSIFIED CAPITAL BUILDER FUND ADMINISTRATOR 4.80%
  • FIDELITY ASSET MANAGER 85% FIDELITY ASSET MANAGER 85% 1.30%
  • FIDELITY ZERO TOTAL MARKET INDEX FUND 1.10%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Weighted yield (per year) 1.40%

The dividend yield strategy here is like finding loose change under the couch cushions - nice to have but not life-changing. With a total yield of 1.40%, it's clear that income isn't the main game. This portfolio leans heavily on growth, especially from its tech darlings, with dividends as a mere afterthought.

Ongoing product costs Info

  • WELLS FARGO DIVERSIFIED CAPITAL BUILDER FUND ADMINISTRATOR 1.01%
  • FIDELITY ASSET MANAGER 85% FIDELITY ASSET MANAGER 85% 0.65%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.19%

Costs are relatively tame, with the Total TER at 0.19%, which is like paying a very reasonable cover charge at a club. The higher fees on the actively managed funds are a reminder that not all investments are created equal in cost, but overall, it's not the fees that will eat away at this portfolio's returns. It's the roller coaster ride of its tech-heavy allocation.

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