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A portfolio that puts all its eggs in the US stock market basket and hopes for the best

Report created on Aug 4, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio looks like it was constructed by someone who thought diversification meant picking every color of the same sock. With 100% allocated to U.S. stocks and a heavy tilt towards large-cap and momentum strategies, it's like betting on the fastest horse without considering if the race track is on fire. The lack of asset class diversity is a glaring oversight, akin to playing poker with a hand full of jokers.

Growth Info

With a CAGR of 18.51%, this portfolio might seem like it's been hitting home runs, but let's remember that even a broken clock is right twice a day. The max drawdown of -34.42% is a stark reminder that volatility is the price of admission for those eye-watering gains. It's like enjoying a rollercoaster ride without considering the potential for whiplash.

Projection Info

Monte Carlo simulations, essentially sophisticated gambling forecasts, suggest this portfolio could swing wildly, with a 50th percentile outcome of 873.1% growth. That's like predicting sunny weather in a hurricane zone; optimistic, but not without risk. Remember, these simulations are good for setting expectations but don't bank your retirement on them.

Asset classes Info

  • Stocks
    100%

With stocks as the only asset class, this portfolio is missing out on the stabilizing influence of bonds, the inflation hedge of real estate, or the diversification benefits of commodities. It's like running a marathon with one shoe; you might finish, but it won't be comfortable or pretty.

Sectors Info

  • Technology
    30%
  • Financials
    16%
  • Consumer Discretionary
    12%
  • Telecommunications
    10%
  • Industrials
    10%
  • Health Care
    7%
  • Consumer Staples
    6%
  • Energy
    4%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

The sector allocation seems to have a tech addiction, with a 30% weighting. Combined with financial services and consumer cyclicals, this portfolio is riding the high waves of market trends without a life jacket. In a downturn, this could turn from a portfolio to a port-foliover.

Regions Info

  • North America
    99%

With a 99% allocation to North America, this portfolio has a severe case of home bias. It's like refusing to eat anything but pizza; sure, pizza is great, but there's a whole world of flavors out there. International diversification can add spice and resilience to your investment mix.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    25%
  • Mid-cap
    17%
  • Small-cap
    10%
  • Micro-cap
    5%

The tilt towards mega and big caps with a sprinkle of small and micro caps is like attending a party and only talking to the most popular people. Sure, it feels safe, but you might miss out on some interesting conversations. Diversifying across market caps can uncover opportunities and reduce risk.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    SPDR® Portfolio S&P 500 ETF
    High correlation

The high correlation between the SPDR® Portfolio S&P 500 ETF and Schwab U.S. Large-Cap Growth ETF is like buying two different brands of vanilla ice cream and expecting a different flavor. High overlap means you're not getting the diversification benefits you think you are.

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 on the inefficient side of the Efficient Frontier, where risk and return are not optimized. It's like packing for a weekend trip with a suitcase meant for a year-long expedition. Streamlining your holdings could provide a smoother ride without sacrificing the destination.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 0.92%

With an average dividend yield of 0.92%, this portfolio isn't going to excite income-seeking investors. It's like expecting a gourmet meal and getting a snack bar instead. For those relying on their portfolio for income, a reevaluation might be in order.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.10%

At least you're not bleeding money on fees, with a total TER of 0.10%. It's like finding a cheap, reliable car; it gets the job done without flashy extras. In a world where every penny counts towards compounding, this is a silver lining.

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