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A portfolio that loves redundancy and worships at the altar of tech and mega-caps

Report created on Aug 5, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Taking a magnifying glass to this portfolio reveals a baffling truth: it's like buying three different brands of plain white socks and thinking you've diversified your wardrobe. With 70% in a global stock ETF and two sizeable chunks in the S&P 500 and NASDAQ 100, it's the investment equivalent of putting all your eggs in one basket and then buying two more baskets just to hold those same eggs. Diversity isn't just a number; it's about spreading those numbers across different asset classes and sectors.

Growth Info

Historically, this portfolio has strutted around with a CAGR of 13.56%, which might seem like it's doing the Charleston at a Gatsby party. But remember, past performance is like looking at your high school yearbook photos — it's fun to reminisce, but it doesn't predict the future. With a max drawdown of -27.15%, it's clear this portfolio can drop faster than the bass at a dubstep concert when markets get jittery.

Projection Info

Monte Carlo simulations throw out numbers like confetti at a parade — 16.04% annualized return sounds like you've hit the jackpot until you realize the range goes from "buying a yacht" to "maybe just a nice dinner out." With a 5th percentile at 104.1%, it whispers tales of barely making it over inflation, while the dreamy 67th percentile at 810.5% suggests early retirement in the Bahamas. Remember, simulations are educated guesses, not crystal balls.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

This portfolio's asset class diversity is about as rich as a diet consisting solely of potatoes. With 99% in stocks and a token 1% in cash, it's like wearing a raincoat in a hurricane — barely adequate protection. Dabbling in bonds, commodities, or real estate could add some much-needed variety to this carb-heavy financial diet.

Sectors Info

  • Technology
    30%
  • Financials
    14%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Telecommunications
    9%
  • Health Care
    9%
  • Consumer Staples
    6%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

Having 30% in technology is like being the biggest fan at a sci-fi convention — it's fun until you realize you're not prepared for anything else. The sector spread looks more like a tech enthusiast's dream than a balanced portfolio. With financial services and consumer cyclicals trailing, it's clear this portfolio is riding the tech wave, possibly oblivious to the sharks below (market corrections).

Regions Info

  • North America
    75%
  • Europe Developed
    11%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation screams "home bias" with 75% in North America. It's like refusing to eat anything but American food — you're missing out on a world of flavors. Expanding into more international waters could help balance the risks of domestic turmoil and tap into growth opportunities elsewhere.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    32%
  • Mid-cap
    17%
  • Small-cap
    4%
  • Micro-cap
    1%

This portfolio loves the giants with 45% in mega-caps. It's akin to only watching blockbuster movies and ignoring indie films — you miss out on diversity and potential surprises. A bit more love for small and micro-caps could add some spice and growth potential to this mega-cap feast.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total World Stock Index Fund ETF Shares
    High correlation

The high correlation between the S&P 500 and the Total World Stock ETF is like buying two different brands of vanilla ice cream and expecting a flavor explosion. This redundancy doesn't add value; it just clutters your investment freezer. Diversifying beyond these overlapping choices could introduce some much-needed variety to your financial diet.

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's dance on the Efficient Frontier is more like a clumsy shuffle than a ballet. High correlation and overexposure to certain sectors and geographies drag down its efficiency. It's time to remix this financial playlist, cutting the redundant tracks and adding some new genres to truly diversify and optimize returns.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Weighted yield (per year) 1.44%

With a total yield of 1.44%, this portfolio isn't exactly a dividend powerhouse. It's more like finding loose change in your couch — nice to have, but you're not funding a vacation with it. Focusing a bit more on income-generating assets could provide a steadier cash flow, rather than relying solely on growth.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.08%

At least you're not being fleeced on costs, with a total TER of 0.08%. It's like finding a cheap, reliable car that gets you from point A to B without flashy features. Low costs are commendable, but don't let them be the sole focus over a well-rounded, effective investment strategy.

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