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A speculative rollercoaster where tech stocks meet a sprinkle of everything else

Report created on Aug 19, 2025

Risk profile Info

7/7
Speculative
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio screams "I love tech, but I also love a good mystery bag." With top holdings like Costco and Crowdstrike sitting comfortably next to a buffet of ETFs, it's like someone tried to build a diversified portfolio, then halfway through thought, "Let's make things interesting." The mix resembles a cocktail of growth stocks with a dash of everything else, shaken, not stirred. The heavy weighting towards a few big names raises eyebrows. Diversification isn't just a fancy word; it's a safety net you seem to be using as a tightrope.

Growth Info

With a CAGR that's either a typo or a sign you've cracked time travel, the performance section reads like fantasy. If those returns were real, we'd all be sipping cocktails on a yacht named after this portfolio. The max drawdown is a horror movie in numbers, suggesting that for every high, there's a bone-crushing low. Investing isn't supposed to be an adrenaline sport. If your heart can take the rollercoaster, fine, but maybe aim for less of a "scream-in-terror" ride.

Projection Info

Monte Carlo simulations are like playing financial dress-up, imagining how your portfolio might look in different futures. But with key percentiles missing, it's as if the fortune teller ghosted us mid-session. The simulations that did run show a coin flip's chance of making money, which isn't inspiring. It's like planning a space mission but only packing enough fuel for half the trip.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. With 100% in equities, it's like you're trying to win a race with only one gear. Sure, stocks have historically provided great returns, but they also bring volatility. It's like riding a unicycle on a tightrope; impressive but unnecessarily risky. A sprinkle of bonds or even some real estate could turn your unicycle into a bicycle, offering a smoother ride.

Sectors Info

  • Technology
    27%
  • Financials
    16%
  • Consumer Discretionary
    14%
  • Consumer Staples
    13%
  • Health Care
    9%
  • Telecommunications
    8%
  • Industrials
    6%
  • Utilities
    4%
  • Energy
    3%

Your tech addiction is showing. With over a quarter of the portfolio in technology, it's clear where your heart lies. But remember, even tech giants can stumble. Diversifying across sectors isn't just for show; it's how you protect yourself from sector-specific downturns. It's like going to a buffet and only eating pizza — delicious, but you're missing out on the full experience.

Regions Info

  • North America
    82%
  • Asia Emerging
    7%
  • Europe Developed
    7%
  • Japan
    3%

North America, with a side of Asia and a pinch of Europe, shows you're not afraid to venture out, but it's more of a toe-dip than a dive. Ignoring emerging markets and other regions is like refusing to eat any food that doesn't come from your hometown. Expanding your geographic palate could spice up your returns and reduce risk.

Market capitalization Info

  • Large-cap
    48%
  • Mega-cap
    38%
  • Mid-cap
    7%
  • Small-cap
    6%

Big and mega companies dominate your portfolio, making it look like a who's who of the stock market. It's comforting, like a warm blanket, until you realize that smaller companies often bring the heat with higher growth potential. Your portfolio's growth could be stunted by playing it too safe in the big leagues.

Redundant positions Info

  • Alphabet Inc Class C
    Alphabet Inc Class A
    High correlation
  • Vanguard S&P 500 ETF
    iShares S&P 500 Growth ETF
    High correlation

Alphabet Inc's Class A and C shares are like buying the same book with different covers; it adds no new stories to your shelf. Similarly, the S&P 500 ETFs overlap more than teenagers' social circles. This redundancy doesn't add value; it's like paying for the same streaming service twice. Streamline your holdings to truly diversify.

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 version of optimization seems to be "throw in everything but the kitchen sink and see what sticks." Before even thinking about the Efficient Frontier, which is about finding the perfect balance of risk and return, let's talk about decluttering. Removing overlapping assets is like cleaning out your closet; it's hard to find the perfect outfit when it's buried under last decade's fashion mistakes.

Dividends Info

  • Aecom Technology Corporation 0.80%
  • Bruker Corporation 0.60%
  • BYD Co Ltd ADR 1.30%
  • Constellation Energy Corp 0.30%
  • ConnectOne Bancorp Inc 2.20%
  • Costco Wholesale Corp 0.50%
  • Daikin IndustriesLtd 1.50%
  • Alphabet Inc Class C 0.40%
  • Alphabet Inc Class A 0.40%
  • Hilton Worldwide Holdings Inc 0.20%
  • Horizon Technology Finance 17.40%
  • iShares S&P 500 Growth ETF 0.40%
  • Kraft Heinz Co 5.90%
  • Moodys Corporation 0.50%
  • Mondelez International Inc 3.00%
  • Medtronic PLC 3.00%
  • Navient Corp 4.90%
  • Schlumberger NV 3.40%
  • Sanofi ADR 4.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • STMicroelectronics NV ADR 1.40%
  • UnitedHealth Group Incorporated 2.80%
  • U.S. Bancorp 4.30%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.04%

With an overall yield just above 1%, your portfolio isn't exactly a cash cow. It's more like a cash... let's say, mouse. While growth is exciting, dividends can provide a steady income stream, acting as a financial stress reliever during volatile times. Don't ignore the power of dividends; even small yields add up and offer a cushion when the market throws a tantrum.

Ongoing product costs Info

  • iShares S&P 500 Growth ETF 0.18%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.02%

Your ETF fees are like a diet cheat day that actually helps you lose weight — surprisingly beneficial. The low total expense ratio (TER) shows you're not throwing money away on fees, which is commendable. It's one of the few areas where you've shown restraint, like a monk in a vineyard who sticks to water.

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