A high-octane ride with no seat belts: Overdosing on large caps and tech
Report created on Jun 9, 2025Risk profile
5/7
Diversification profile
2/5
Positions
-
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 80.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00%
Ah, the classic "put all your eggs in one basket and then watch that basket" strategy. With 80% in a Large-Cap Growth ETF and a sprinkle of 20% in a Small Cap Value ETF, this portfolio is like a meal consisting of 80% steak and 20% veggies — unbalanced and heavy. Most financial advisors would call for a more varied diet, ideally one that doesn't set you up for a heart attack during market downturns.
Growth
Historically, this portfolio's performed like a sports car — fast and furious with a CAGR of 20.10%. But, like a sports car hitting a pothole, that -34.89% max drawdown shows it can go from 60 to 0 real quick. Remember, past performance is like rearview mirror glances — useful but not a guide to navigating future roads.
Projection
Monte Carlo simulations are like Vegas — fun to play with but take it too seriously at your peril. Your portfolio's 50th percentile outcome looks like a dream, but remember, simulations are educated guesses. They assume the road ahead is just like the one behind, ignoring potential new potholes or detours. Diversification could be your shock absorber against those rough patches.
Asset classes
- Stocks 100%
Stocks, stocks, and more stocks. With 100% in equities, you're riding the high waves without a life jacket. It's thrilling until it's not. A little bond action or some alternative assets could give your portfolio the balance it needs to not wipe out during financial tsunamis.
Sectors
- Technology 40%
- Consumer Discretionary 14%
- Financials 12%
- Telecommunications 11%
- Health Care 8%
- Industrials 7%
- Energy 3%
- Consumer Staples 3%
- Basic Materials 2%
- Real Estate 1%
Tech-heavy, are we? With 40% in technology, your portfolio's riding the Silicon Valley roller coaster. It's fun until the tech bubble burps. Mixing in more sectors could prevent your portfolio from being a one-hit wonder, turning it into a well-rounded greatest hits album instead.
Regions
- North America 100%
"America or bust" seems to be the motto here. With 100% in North America, you're missing out on the global banquet. International markets can offer growth and diversification, turning your portfolio from a domestic beer into a fine worldwide wine selection.
Market capitalization
- Mega-cap 51%
- Large-cap 18%
- Small-cap 11%
- Mid-cap 10%
- Micro-cap 10%
Your portfolio loves the limelight, favoring mega and big caps. It's like only hanging out with celebrities — glamorous but volatile. Sprinkling in more small, medium, and micro caps could give your portfolio the depth and resilience of a well-cast ensemble movie.
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 trade-off is like a high-speed chase without a seatbelt. While the thrill of the chase is exhilarating, it might not be the most efficient way to reach your destination. Exploring the Efficient Frontier might show you a path to the same returns with less risk — or more returns for the same risk. Think of it as upgrading to a sports car with advanced safety features.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.80%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Weighted yield (per year) 0.68%
A dividend yield of 0.68% is like finding loose change in the couch — nice but won’t pay the bills. If income or reinvestment is part of your strategy, diversifying into higher-yielding assets could turn that couch change into a steady paycheck.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Weighted costs total (per year) 0.08%
Congratulations on keeping costs low with a total TER of 0.08%. It's one of the few areas where being cheap pays off. This is like finding a discount on your sports car — it still might break down, but at least you saved money upfront.
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