Roast mode 🔥

The high-octane portfolio that mistook diversification for a side dish

Report created on Nov 5, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

At first glance, your portfolio screams, “Safety? Never heard of her!” With 70% in an S&P 500 ETF, you’ve essentially put most of your eggs in one big, flashy American basket. The remaining 30% is split between international and U.S. small cap value ETFs, like a nod to diversification after a heavy bet on the home team. While you might think you’re playing 4D chess with global and size exposure, it’s more like checkers where you’ve only moved two pieces.

Growth Info

With a historical CAGR of 16.89%, your portfolio has been on a tear, but let's not forget the -36.55% max drawdown. It’s like enjoying a rollercoaster ride blindfolded—you’re having fun until it drops. Those 20 days that made up 90% of your returns? That’s investing on hard mode, relying on fleeting moments of glory rather than steady growth. Remember, past performance is as reliable as yesterday’s weather forecast for next week’s picnic.

Projection Info

Monte Carlo simulations throw out numbers like 598.7% median growth, but remember, these simulations are like predicting the weather in a decade based on today’s forecast. Exciting? Yes. A solid plan for your future? As much as a chocolate teapot. With 990 out of 1,000 simulations positive, it seems too good to be true because, well, it might just be. The range from the 5th to 67th percentile is wider than the Grand Canyon, highlighting the volatility you're signed up for.

Asset classes Info

  • Stocks
    100%

100% stocks? Bold move. While it’s great for growth, it’s like riding a unicycle on a tightrope—exciting but risky. Zero allocation to bonds, cash, or “other” means you’ve skipped the safety net altogether. This all-in approach to equities is fine if you’re the financial equivalent of an adrenaline junkie, but a pinch of bonds or cash might save you from a few heart attacks during market dips.

Sectors Info

  • Technology
    27%
  • Financials
    15%
  • Consumer Discretionary
    13%
  • Industrials
    11%
  • Telecommunications
    8%
  • Health Care
    7%
  • Energy
    6%
  • Basic Materials
    5%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

Your sector spread has a heavy tech tilt, making your portfolio look like it’s trying to moonlight as a Silicon Valley venture capitalist. Financial services and consumer cyclicals round out your top three, leaving you highly exposed to economic cycles. It’s like betting on black, red, and green in roulette—exciting but not exactly a diversified strategy.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Japan
    5%
  • Australasia
    2%
  • Africa/Middle East
    1%

With 86% in North America, your geographic diversification is like saying you’re well-traveled because you’ve been to Canada and Mexico. Europe, Japan, and Australasia get a look in, but with such token allocations, they’re more like postcards than actual visits. Ignoring emerging markets entirely? That’s like skipping the spice in a curry—it might still be good, but you’re missing out on some flavors.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    24%
  • Mid-cap
    20%
  • Small-cap
    13%
  • Micro-cap
    8%

Your market cap allocation is like a slightly awkward family photo: a bit too much focus on the big guys (mega and big caps) and not enough on the smaller, potentially more dynamic members of the family (small and micro caps). While it’s great to have the stability of the big players, those smaller companies could add some much-needed growth spurts to your portfolio.

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 daredevil jumping without looking. While it’s had a good run, the lack of true diversification and heavy reliance on a few sectors and regions could mean tougher landings ahead. “Efficiency” isn’t just squeezing out high returns; it’s about not crashing and burning when the market throws a tantrum.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.50%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • SPDR® Portfolio S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.55%

The dividend yields are a small consolation prize in your high-stakes game, with a total yield of 1.55%. It’s like finding loose change in the couch—it’s nice, but it’s not going to fund your retirement. The yields from your small cap ETFs are the financial equivalent of a pat on the back, nice but not life-changing.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Weighted costs total (per year) 0.11%

Your total TER of 0.11% is impressively low; it seems you’re getting a lot of bang for your buck. It’s like finding a luxury car with the fuel efficiency of a compact—rare and commendable. This is one area where you’ve nailed it, proving even a high-flying portfolio can keep costs grounded.

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