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A high-flying portfolio banking on Amazon and ignoring the world beyond

Report created on Jun 13, 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 feels like attending a party where Amazon is the host, and everyone else is just there to fill the room. With nearly a third of the portfolio locked into Amazon, it's less diversified and more a fan club. The mix with broad market ETFs and a dash of dividend and cash reserves is like sprinkling seasoning on a steak that's already been swallowed by the lion. The diversification score isn't just low; it's practically subterranean.

Growth Info

If this portfolio were a race car, its 17.43% CAGR would make it seem like it's been leading the pack. But then you notice the -42.65% max drawdown, and you realize it's more like a car that occasionally goes off a cliff. Those 34 days making up 90% of returns? That's the financial equivalent of betting it all on black and hitting more often than not. Thrilling, yes, but not exactly a strategy for the faint-hearted.

Projection Info

Monte Carlo simulations are like those fortune-telling machines — fun to play with but take with a grain of salt. Your portfolio's future looks bright in the simulations, with a median increase of over 500%. But remember, Monte Carlo is better at highlighting potential outcomes than guaranteeing them. It's the financial version of weather forecasting: generally right, until you forget your umbrella on a sunny forecast day and it pours.

Asset classes Info

  • Stocks
    88%

A portfolio with 88% in stocks and a mysterious absence of cash or bonds is like a diet consisting entirely of steak — rich, but missing some key nutrients. This imbalance is a thrill-seeker's dream, prioritizing growth over stability. The tiny sliver of 'Fidelity Govt Cash Rsrvs' seems like an afterthought, like remembering to eat a vegetable after a week of fast food.

Sectors Info

  • Consumer Discretionary
    39%
  • Technology
    17%
  • Health Care
    6%
  • Financials
    6%
  • Telecommunications
    5%
  • Industrials
    4%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    1%
  • Real Estate
    1%
  • Utilities
    1%

Consumer Cyclicals and Technology together make up more than half of this portfolio, showcasing a tech-heavy, consumer-driven bias. It's like packing for a beach vacation and only bringing swimsuits and sunscreen, forgetting that it might rain. The minimal presence of other sectors suggests a lack of preparation for economic shifts that don't favor tech or discretionary spending.

Regions Info

  • North America
    88%

With 88% of assets in North America, this portfolio screams "home bias" louder than an eagle on the Fourth of July. It's as if the rest of the world's markets don't exist. This geographic concentration is like eating at the same restaurant every day; it might be good, but you're missing out on a lot of other flavors.

Market capitalization Info

  • Mega-cap
    55%
  • Large-cap
    18%
  • Mid-cap
    11%
  • Small-cap
    3%
  • Micro-cap
    1%

A heavy lean towards mega-cap stocks is like only hanging out with the popular kids. Sure, they're more stable and have a proven track record, but ignoring the potential of small and micro caps means missing out on growth opportunities. It's safe but hardly adventurous.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation between 'Schwab U.S. Large-Cap Growth ETF' and 'Vanguard Total Stock Market Index Fund ETF Shares' is like buying two different brands of plain white t-shirts — they might look slightly different, but they serve the same purpose. This redundancy doesn't add value; it just clutters the closet.

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 akin to rearranging deck chairs on the Titanic — it’s a nice effort, but misses the bigger picture. The high overlap between assets suggests a misunderstanding of what diversification truly means. It's like trying to diversify your diet by eating different brands of potato chips.

Dividends Info

  • Fidelity Govt Cash Rsrvs 4.40%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Weighted yield (per year) 1.42%

The dividend yield strategy here is like owning a lemonade stand that mostly gives away free samples. With a total yield of 1.42%, it's clear that income isn't the priority. However, the presence of dividends, especially from the 'Schwab U.S. Dividend Equity ETF', suggests a nod towards wanting some income, even if it's more of a trickle than a stream.

Ongoing product costs Info

  • Fidelity Govt Cash Rsrvs 0.26%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.05%

On costs, this portfolio is surprisingly lean, with a total TER of just 0.05%. It's like finding a cheap, yet efficient car that gets you where you need to go without the flashy price tag. In a world where fees can eat into returns like termites in a wooden house, this portfolio stands out for its cost efficiency.

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