This portfolio has only about 1.6 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.
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A portfolio that's diversified like a buffet but with the coherence of a toddler's lunchbox

Report created on Aug 12, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

This portfolio has the diversification of someone who, when asked to choose a favorite ice cream flavor, buys the whole shop. With a mix that seems to throw in everything but the kitchen sink, it's hard to discern a clear investment thesis. The spread across everything from ultra-safe Treasury ETFs to the wild west of Bitcoin suggests a strategy that's less about conviction and more about a fear of missing out. There's a fine line between being diversified and just being scattered, and this portfolio is doing the splits right over it.

Growth Info

Historical performance showing a CAGR of 19.25% is like boasting about your high school football days — impressive but not necessarily indicative of future glory. The max drawdown of -12.46% whispers stability, but those 15 days carrying 90% of your returns scream volatility. It's like riding a roller coaster where you're blindfolded for the calm parts and only see the loops. Sure, the ride's been good so far, but past performance is the financial equivalent of rearview mirror driving — it's only part of the story.

Projection Info

The Monte Carlo simulation's optimistic projections might have you dreaming of sipping margaritas on a private island, but remember, simulations are essentially sophisticated guesses. Banking on a 50th percentile outcome of 3,075.4% growth is like planning your retirement around winning the lottery. Sure, it could happen, but it's probably wise to also have a plan that involves less wishful thinking. Diversify your expectations as well as your portfolio.

Asset classes Info

  • Stocks
    66%
  • Cash
    20%
  • Other
    4%
  • Bonds
    1%

With 66% in stocks and a whopping 20% in cash, this portfolio acts like someone who can't decide whether they're late for a party or early for its cleanup. The "Other" and "Bond" categories seem like afterthoughts, reminiscent of buying a gym membership and then only using the sauna. This asset allocation suggests a desire to play it safe while also playing the field, a financial commitment-phobe's dream.

Sectors Info

  • Financials
    17%
  • Technology
    10%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    5%
  • Energy
    4%
  • Health Care
    4%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Real Estate
    1%
  • Utilities
    1%

The sector spread is like a buffet where you've piled your plate high but mostly with foods that spike your blood sugar. Heavy on financial services and tech, it's like you're preparing for a future where we all pay for our robot overlords with blockchain-based currencies. Yet, the minuscule allocations to real estate and utilities suggest you might be living under the assumption that we'll all be living in VR pods, consuming digital content instead of needing physical shelter or electricity.

Regions Info

  • North America
    23%
  • Europe Developed
    9%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Japan
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This portfolio's geographic allocation has a "home team bias" that would make any sports fan proud. With a heavy lean towards North America and timid toe-dips into other regions, it's like planning a world tour but only leaving the hotel for guided tours. Expanding your horizons could mean more than just adding a European ETF; it might be time to truly embrace global diversification beyond the comfort zone of familiar markets.

Market capitalization Info

  • Mega-cap
    24%
  • Large-cap
    19%
  • Mid-cap
    14%
  • Small-cap
    6%
  • Micro-cap
    1%

The concentration in mega and big caps, with a timid flirtation with mid-caps and an almost accidental swipe right on small and micro-caps, suggests a fear of commitment to riskier assets. It's like wanting to skydive but insisting on staying tethered to the plane. While it's prudent to anchor your portfolio in stability, the under-representation of smaller companies could mean missing out on growth opportunities that often come from these nimble market players.

Redundant positions Info

  • Vanguard Total World Stock Index Fund ETF Shares
    T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND
    High correlation

The high correlation between your Vanguard and T. Rowe Price funds is like wearing two watches; it might give the illusion of being well-prepared, but in reality, it's redundant. This overlap doesn't add value or diversification; it just shows you can buy the same thing in different packages. Streamlining your holdings to eliminate redundancy could be a step towards efficiency, rather than just collecting similar assets like they're going out of style.

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.

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Your portfolio's attempt at optimization feels like trying to solve a Rubik's cube with your eyes closed. The presence of highly correlated assets without diversification benefits is like insisting on using a map long after you've taken a wrong turn. It's time to reassess and remove duplicative investments to truly streamline your strategy. Optimization isn't just about adding; sometimes, it's about knowing what to take away.

Dividends Info

  • American Century ETF Trust 2.20%
  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 3.00%
  • Dimensional International Value ETF 3.30%
  • Invesco S&P International Developed Momentum ETF 2.00%
  • iShares® 0-3 Month Treasury Bond ETF 4.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND 1.60%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 2.28%

With a total yield of 2.28%, your portfolio's dividend strategy is like bringing a knife to a gunfight — technically armed but not exactly intimidating. While dividends are only one piece of the total return puzzle, an overreliance on them in certain sectors, combined with a neglect in others, could mean you're missing out on growth opportunities. It's worth considering whether your current income generation strategy is in line with your long-term financial goals.

Ongoing product costs Info

  • American Century ETF Trust 0.26%
  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 0.43%
  • Dimensional International Value ETF 0.27%
  • SPDR Gold Mini Shares 0.10%
  • iShares Bitcoin Trust 0.12%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Invesco S&P 500® Momentum ETF 0.13%
  • T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND 0.59%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.22%

The Total Expense Ratio (TER) of 0.22% across the board is surprisingly reasonable, suggesting at least one area where you're not letting enthusiasm overrun common sense. It's like finding a reasonably priced meal at a tourist trap — a small victory, but one worth celebrating. Keeping costs in check is crucial for long-term growth, so at least in this regard, it seems you've accidentally clicked the right button.

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