This portfolio has only about 1.7 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 thinks diversity is just a tech conference with a utility room

Report created on Aug 18, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

At first glance, this portfolio seems like it was constructed by throwing darts at a board of sector ETFs and mutual funds while blindfolded. With a whopping 30% in tech and 20% in utilities, it's like trying to balance a diet by only eating steak and ice cream. The "moderately diversified" claim is a stretch, akin to calling a two-flavor ice cream tub a "variety pack." It's an odd mix, suggesting a fascination with growth potential and a hedge against it with utilities, but it lacks the finesse of true diversification.

Growth Info

With a historic CAGR of 23.36%, this portfolio initially looks like it's been hitting the gym daily. However, that Max Drawdown of -19.81% is a sobering reminder that it's all fun and gains until the market decides to throw a tantrum. Relying heavily on 14 golden days for 90% of returns is like betting your retirement on winning the lottery. Sure, it's been a wild ride up, but the real question is, can your heart handle the inevitable drops?

Projection Info

Monte Carlo simulations are like a crystal ball, but with more math and less mysticism. They show us a range of possible futures, from "I'm buying a yacht" to "I hope ramen is still cheap." For this portfolio, projections are optimistic, but remember, simulations assume the future will play like the past—ignoring potential zombie apocalypses or alien invasions. Betting the farm on a 25.83% annualized return is like expecting to hit every green light on your way to work; hope for the best but plan for reality.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Stock-heavy with a token 1% in cash, this portfolio is like a speedboat with no life jackets. Sure, it's exciting, but where's the safety gear? Zero in bonds means there's nothing to smooth out the ride when the stock market gets choppy. It's a high-octane approach to investing, but even adrenaline junkies wear helmets. Adding some bonds or other non-correlated assets could be like adding stabilizers, reducing the risk of capsizing in a storm.

Sectors Info

  • Technology
    42%
  • Utilities
    20%
  • Financials
    7%
  • Industrials
    7%
  • Health Care
    5%
  • Consumer Discretionary
    4%
  • Telecommunications
    4%
  • Consumer Staples
    2%
  • Energy
    2%
  • Consumer Discretionary
    2%
  • Real Estate
    2%
  • Basic Materials
    2%

With 42% in tech, this portfolio is riding the Silicon Valley roller coaster with both hands up. It's fun until it isn't. The 20% in utilities is like having a safety net, but it's made of string. The rest is sprinkled across sectors like financials and healthcare, but it's more of a garnish than a balanced meal. It's like packing for a vacation with only swimsuits and one sweater, just in case it gets chilly.

Regions Info

  • North America
    90%
  • Europe Developed
    3%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Latin America
    1%

With 90% in North America, this portfolio has a home team bias that's stronger than a parent at a little league game. Sure, cheering for the home team feels good, but what about the talent overseas? Ignoring developed Europe, emerging Asia, and pretty much the rest of the world is like using a flip phone in 2023—quaint, but you're missing out on a lot.

Market capitalization Info

  • Mega-cap
    31%
  • Mid-cap
    26%
  • Large-cap
    21%
  • Small-cap
    17%
  • Micro-cap
    4%

The cap size mix is like a crowd at a concert: mostly fans (mega and big caps), a good number of enthusiasts (medium caps), and a few die-hards (small and micro caps). It's trying to catch all the action, from the headliners to the indie bands, but it's leaning heavily towards the main stage. While that's where the big shows are, sometimes the next big hit comes from the smaller stages.

Redundant positions Info

  • Vanguard Information Technology Index Fund ETF Shares
    Fidelity Covington Trust
    High correlation

The love affair between the Vanguard Information Technology Index Fund and the Fidelity Covington Trust is like a high school romance—intense but not exactly adding depth to your life. High correlation means when one stumbles, the other’s likely to fall too, turning a stumble into a faceplant. Diversifying means finding investments that don’t move in lockstep, like making friends outside your usual clique.

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.

The portfolio's attempt at optimization is like trying to balance a seesaw with a feather and a bowling ball. The heavy tilt towards tech and utilities, combined with the high correlation between certain assets, suggests a misunderstanding of diversification. True optimization isn't just about mixing different things; it's about finding the right balance. It's time to go back to the drawing board, or at least, consult a different oracle.

Dividends Info

  • FRANKLIN UTILITIES FUND CLASS R6 7.70%
  • NEW WORLD FUND INC CLASS R-6 3.50%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES 1.00%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Fidelity Covington Trust 0.40%
  • Weighted yield (per year) 2.41%

With a total yield of 2.41%, this portfolio isn't exactly a dividend powerhouse. It's like having a side gig that pays in gift cards; nice to have, but don't count on it to pay the bills. Utilities are pulling the weight here, but with tech dragging the average down, it's a mixed bag. Dividends can provide a nice cushion in rough markets, so overlooking them is like ignoring free money on the sidewalk.

Ongoing product costs Info

  • FRANKLIN UTILITIES FUND CLASS R6 0.50%
  • NEW WORLD FUND INC CLASS R-6 0.57%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES 0.05%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Fidelity Covington Trust 0.18%
  • Weighted costs total (per year) 0.21%

The Total Expense Ratio (TER) of 0.21% is surprisingly reasonable, like finding a designer shirt at a thrift store price. It's one of the few areas where this portfolio doesn't go overboard. Keeping costs low is like dieting; it may not be fun, but you'll be thankful in the long run. Just make sure those saved pennies are being put to good use elsewhere.

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