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A portfolio so in love with the S&P 500 it forgot other markets exist

Report created on Aug 21, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

Diving into this portfolio is like walking into a party where everyone's wearing the same outfit. Nearly half of your portfolio is in a single ETF that tracks the S&P 500, and for variety, you've sprinkled in... more of the same flavor. It's like deciding your diet needs diversity and adding different brands of bread. The overlap is not just redundant; it's a missed opportunity to actually diversify.

Growth Info

Your portfolio's historic performance boasts a CAGR that could make a hedge fund manager blush, but let's be real: riding the S&P 500 coattails during one of its bullish jamborees isn't exactly a stroke of genius. Remember, past performance is like relying on yesterday's lottery numbers to play today's game. And with a max drawdown that could give investors vertigo, it's clear your portfolio's success is perched on a narrow ledge.

Projection Info

Monte Carlo simulations suggest your portfolio might be the belle of the ball in the right market conditions, but let's not forget these are the same simulations that give every outcome a chance, including those where pigs fly. Banking on the upper percentiles for future success without considering the risk of landing in the dismal 5th percentile is like planning your retirement around winning the lottery. Hope for the best, but prepare for reality.

Asset classes Info

  • Stocks
    87%

With 87% of your portfolio in stocks and a stunning absence of any cash or bonds, your investment strategy seems to be "stocks or bust." This all-in approach on equities is akin to playing poker with only high cards in your hand—great when it works, but you're left with no safety net when the market takes a dive. A sprinkle of bonds or alternative assets might not be as exciting, but they could save your portfolio from a freefall.

Sectors Info

  • Technology
    35%
  • Financials
    10%
  • Telecommunications
    8%
  • Consumer Discretionary
    8%
  • Health Care
    7%
  • Industrials
    6%
  • Consumer Staples
    4%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    1%
  • Consumer Discretionary
    1%

Your sector allocation has more tech than a Silicon Valley startup, with a whopping 35% of your portfolio. It's like betting all your chips on red because it's your lucky color. The tech sector's great until it's not, and without significant holdings in other sectors, a tech downturn could leave your portfolio looking like a dot-com bubble casualty.

Regions Info

  • North America
    87%

The geographic allocation of your portfolio screams "America first," with a complete disregard for the rest of the world. Ignoring international markets is like refusing to eat any food that's not from your hometown diner. Sure, it's comfortable, but you're missing out on a world of flavors (and opportunities) out there.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    28%
  • Mid-cap
    15%
  • Small-cap
    2%

Your market cap allocation is playing it safe with the big boys, heavily favoring mega and large-cap companies. It's like always choosing to fly first-class: comfortable and reliable but you'll pay a premium for it, and you might miss out on the nimble, exciting startups that could really take off.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    Vanguard Information Technology Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation among your chosen assets is a portfolio manager's nightmare. It's like building a soccer team where everyone's a striker. Sure, you might score some goals, but there's nobody to defend your net. Diversification isn't just about having different assets; it's about having assets that don't all move in the same direction at the same time.

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 profile is like a car with a powerful engine but no brakes. Sure, you can go fast, but can you stop when you need to? Leaning heavily on highly correlated, large-cap, tech-heavy assets might look good in a bull market, but without true diversification, you're skating on thin ice over a deep lake of potential losses.

Dividends Info

  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Schwab S&P 500 Index Fund 6.70%
  • Schwab Value Advantage Money Fund 3.50%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 2.00%

Your dividends seem like an afterthought, a consolation prize in your high-stakes game. While it's nice to see some income, the yields are so varied and generally low that it's like finding loose change in the couch cushions. Not exactly a strategy to fund your retirement villa.

Ongoing product costs Info

  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Schwab S&P 500 Index Fund 0.02%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.03%

At least you're not bleeding money on fees, with an impressively low total expense ratio. It's one of the few areas where your portfolio shines, like finding a designer suit at a thrift store price. Kudos on not letting the costs eat into your gains, but let's not forget that even the most cost-efficient portfolio can suffer from poor allocation.

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