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 chasing trends with the finesse of a bull in a china shop

Report created on Aug 14, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is like a salad with too many of the same ingredients. At first glance, it appears diversified with a mix of ETFs covering everything from small caps to international stocks and even a dash of Bitcoin for spice. However, the overwhelming presence of growth and momentum ETFs suggests a palate that favors only one flavor. It's like insisting on only eating green foods and then wondering why your diet lacks variety.

Growth Info

With a CAGR of 29.29%, this portfolio initially seems like the financial equivalent of a home run. However, the max drawdown of -19.69% reveals the volatility behind those numbers. It's akin to celebrating a lottery win without acknowledging the fortune spent on tickets. Those 14 days making up 90% of returns highlight how this portfolio’s success hinges on fleeting moments of glory, rather than steady, reliable growth.

Projection Info

The Monte Carlo simulation paints a picture of a future that's as predictable as a coin toss in a hurricane. Sure, the potential for an 876.4% return on the low end sounds great, but relying on simulations is like trusting a weather forecast a year in advance. The range of outcomes from "buy a yacht" to "buy a used car" underscores the gamble inherent in this portfolio's strategy.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

Stocks dominate this portfolio like a dictator, with a 90% allocation leaving little room for dissent or diversification. The 10% allocated to "Other" (hello, Bitcoin) is like keeping a pet tiger - sure, it's exotic and exciting, but is it really a wise choice for a house pet? A sprinkle of bonds or real estate might not be as thrilling but could prevent the portfolio from going full Icarus when the market heats up.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Telecommunications
    8%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

With technology and financial services sectors taking up the lion's share, this portfolio is betting big on Silicon Valley and Wall Street. It's like filling your fantasy football team with quarterbacks and kickers - sure, they can score big, but what happens when they don't? Diversifying across more sectors would be like having a more balanced team ready to score points in any situation.

Regions Info

  • North America
    72%
  • Europe Developed
    10%
  • Japan
    2%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

The geographic allocation is heavily skewed towards North America, with a token nod to international diversification. This "America First" approach to investing might sound patriotic, but it's like refusing to eat at any restaurant that doesn't serve hamburgers. Expanding the geographic palate could uncover opportunities in markets that don't wave the same flag but offer tasty returns.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    22%
  • Mid-cap
    15%
  • Small-cap
    11%
  • Micro-cap
    5%

The portfolio's market cap spread is like a middle school dance floor: the big kids (mega and big caps) are hogging the center, while the smaller ones (small and micro caps) are awkwardly trying to find a spot. This imbalance might work for a dance, but in investing, it's a missed opportunity to benefit from the growth potential of smaller companies that haven't yet hit their growth spurt.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Invesco NASDAQ 100 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    SPDR® Portfolio S&P 500 ETF
    Invesco S&P 500® Momentum ETF
    High correlation

The high correlation among several ETFs is the portfolio equivalent of an echo chamber. Having 'Schwab U.S. Large-Cap Growth ETF', 'Invesco NASDAQ 100 ETF', and others moving in lockstep means less diversification and more risk. It's like inviting five friends who all tell the same stories – entertaining, perhaps, but you won't learn anything new.

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.

Before even thinking about optimization, this portfolio needs a Marie Kondo-style decluttering to eliminate redundant ETFs that spark no joy or diversification. The current setup is like wearing multiple belts; sure, your pants won't fall down, but isn't one belt enough? Streamlining the portfolio could enhance its efficiency without sacrificing potential returns.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Invesco S&P International Developed Momentum ETF 1.90%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.08%

The dividend yield is like finding loose change under the couch cushions - it's nice to have, but you're not going to fund a vacation with it. At a total yield of 1.08%, it's clear that this portfolio isn't designed to provide income. It's more focused on growth, which is fine if you're not looking to live off your investments just yet. But a little more income could provide a cushion during market downturns.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Bitcoin Trust 0.12%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.14%

The total TER of 0.14% is surprisingly reasonable, given the complexity and trend-chasing nature of this portfolio. It's like finding out that the flashy sports car you bought actually gets decent gas mileage. However, cost isn't everything. The real expense comes in the form of volatility and the potential for significant losses in pursuit of high returns.

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