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This portfolio is like a one-trick pony riding the US large-cap roller coaster

Report created on Jun 10, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

At first glance, this portfolio screams "diversification? Never heard of her!" With nearly three-quarters of the assets in just three ETFs that probably attend the same parties, you've essentially put your eggs in one basket, then decided to juggle them on a unicycle. It's like betting on three different horses in the same race and thinking you're diversified. The overwhelming focus on US large caps with a token nod to dividends and income ETFs is like seasoning a steak with just salt and calling it gourmet.

Growth Info

A CAGR of 12.63% might have you feeling like the Wolf of Wall Street, but let's not forget that past performance is about as reliable as a weather forecast in spring. With a max drawdown of -18.41%, your portfolio's resilience is like a cardboard fort in a storm—looks solid until tested. Remember, those 10 days that made up 90% of your returns? That's like winning the lottery; great if it happens, but not a strategy.

Projection Info

Monte Carlo simulations are the finance world's crystal ball, but even they have their limits. A 13.23% annualized return across simulations sounds like a dream until you wake up to reality's volatility. Banking on the 50th percentile's 379.3% growth is like planning your retirement around winning a game show—optimistic but shaky. And with 988 out of 1000 simulations positive, it's like expecting sunshine in Seattle; possible, but don't throw out your umbrella.

Asset classes Info

  • Stocks
    97%
  • No data
    3%

Stashing 97% in stocks and calling it a day on diversification is like saying you're a foodie because you love pizza and pasta. With zero in bonds or real estate and a laughable 3% in 'NotClassified', your portfolio's asset class mix is as balanced as a one-legged yoga pose. Diversification across asset classes isn't just a fancy term; it's your safety net.

Sectors Info

  • Technology
    32%
  • Consumer Discretionary
    11%
  • Health Care
    11%
  • Telecommunications
    10%
  • Financials
    10%
  • Consumer Staples
    9%
  • Industrials
    8%
  • Energy
    6%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

Your tech sector addiction, at 32%, is like still using a flip phone in 2023—outdated and risky. The smattering across other sectors feels more like tokenism than strategy. Consumer cyclicals, healthcare, and communication services are all well and good, but when one sector sneezes (tech, in this case), your portfolio could catch a cold. Diversification across sectors is your flu shot; don't skip it.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

With 99% in North America, your portfolio's geography game is as adventurous as ordering a hamburger at a Michelin-star restaurant. The 1% token gesture to Europe Developed is like remembering to say "bonjour" in Paris but forgetting the rest of the French language. Global diversification isn't just about ticking boxes; it's about spreading risk and capturing opportunities worldwide.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    37%
  • Mid-cap
    19%
  • Small-cap
    2%

Your love affair with mega and big caps, making up 75% of your portfolio, is like only watching blockbuster movies and missing out on indie gems. Sure, the big names can bring home the bacon, but overlooking medium, small, and micro caps means missing out on growth potential and diversification benefits. It's time to explore the full spectrum of market caps.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    JPMorgan Nasdaq Equity Premium Income ETF
    Vanguard S&P 500 ETF
    High correlation

The high correlation among your top picks is like having three different navigation apps telling you to take the same traffic-jammed road. Sure, they might seem like they're offering different perspectives, but when the market takes a dive, you'll wish you had some truly different routes. Reducing overlap isn't just about decluttering; it's about building a more resilient 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 idea of optimization is like trying to fit into your high school jeans—it's just not working out. The overlap among your top holdings is dragging down your diversification benefits, like anchors on a speedboat. Before you even think about "optimizing," it's time to address the elephant in the room: your assets are more alike than you think.

Dividends Info

  • JPMorgan Equity Premium Income ETF 8.30%
  • JPMorgan Nasdaq Equity Premium Income ETF 11.60%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard S&P 500 ETF 1.30%
  • Weighted yield (per year) 3.65%

Relying on dividends for income is like expecting a piggy bank to pay your mortgage. With an overall yield of 3.65%, it's not nothing, but it's hardly a cash cow. The high yields on the JPMorgan ETFs are enticing, but don't be dazzled by shiny objects. Dividends are just one piece of the total return puzzle, and high yields can sometimes signal trouble ahead.

Ongoing product costs Info

  • JPMorgan Equity Premium Income ETF 0.35%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.11%

At least you're not bleeding money on fees, with a total TER of 0.11%. It's like finding a cheap flight that doesn't land you in an airport five hours from your destination. Low costs are commendable, but when the rest of the portfolio strategy is akin to playing darts blindfolded, you've got bigger fish to fry.

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