A two-trick pony galloping through the stock market with blinders on
Report created on Aug 2, 2025Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 90.30% -
UW UWM Holdings Corp
UWMC - US91823B1098 9.70%
Diving into this portfolio is like finding out your favorite buffet only serves bread and water. With a staggering 90.3% in the Vanguard S&P 500 ETF and a curious 9.7% in UWM Holdings Corp, it's like betting your entire farm on one prize cow and a slightly unpredictable goat. This "strategy" is the investment equivalent of playing darts with one dart and a blindfold. Diversification doesn't mean having all your eggs in one basket and then holding one more egg just for the thrill of it.
Growth
Historically, this portfolio's CAGR of 19.28% might have you feeling like Midas, but remember, even Midas had his regrets. That -25.20% max drawdown is a sobering reminder that what goes up can come crashing down, especially when your portfolio is riding shotgun with the S&P 500. Those 28 days that make up 90% of your returns? That's not strategy; that's serendipity with a side of luck.
Projection
Monte Carlo simulations are like weather forecasts for your money, and with numbers showing a 5th percentile at a chilling -78.3%, you might as well plan for a financial snowstorm. Sure, the 50th percentile looks sunny at 117.6%, but banking on the median is like expecting the weatherman to never get it wrong. Diversification helps weatherproof your portfolio, so maybe it's time to add some layers.
Asset classes
- Stocks 100%
With 100% in stocks and a glaring 0% in anything else, this portfolio is like a diet consisting solely of steak. It's thrilling until your doctor (or financial advisor) reminds you about the benefits of balance. Diversifying across asset classes is not just about reducing risk; it's about setting the table for consistent returns, even when the stock market decides to go on a diet too.
Sectors
- Technology 30%
- Financials 22%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 9%
- Industrials 7%
- Consumer Staples 5%
- Energy 3%
- Utilities 2%
- Real Estate 2%
- Basic Materials 2%
The sector spread within your S&P 500 portion is like a slightly varied flavor of vanilla. Technology, financial services, and consumer cyclicals lead the parade, but with such heavy concentration, your portfolio is dancing to the tune of market trends with two left feet. It's like building a sports team solely around quarterbacks; impressive, but not exactly versatile.
Regions
- North America 100%
"America or bust" seems to be the motto here, with 100% of your geographic allocation in North America. While the U.S. market is a heavyweight champion, ignoring the rest of the world is like refusing to acknowledge that other countries also play the game. Diversification doesn't just stop at sectors and asset classes; the world is your oyster, not just your backyard.
Market capitalization
- Mega-cap 42%
- Large-cap 31%
- Mid-cap 26%
- Small-cap 1%
Your market cap allocation is like someone who only shops at either boutique stores or mega-malls, missing out on the mid-sized gems. With a mix of mega (42%), big (31%), and medium (26%), plus a token 1% in small caps, you're mostly riding with the titans. Remember, David (small caps) brought something unique to the table too.
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 Efficient Frontier is like the holy grail of portfolio optimization, and apparently, your current setup is on a different map, possibly in another universe. With an optimal portfolio expected to return 21.07% at a similar risk level, it's like you've settled for a rowboat when you could be captaining a yacht. Time to chart a course for diversified waters.
Dividends
- UWM Holdings Corp 9.60%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 2.01%
Ah, dividends – the cherry on top of your investment sundae. With a total yield of 2.01%, it's clear dividends are not the main course in your strategy. However, leaning on UWM's 9.60% yield feels like chasing high yields on a unicycle; thrilling but bound to get wobbly. Diversifying dividend sources could mean less drama and more steady income.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.03%
Here's a silver lining – your total expense ratio (TER) is a slim 0.03%, proving at least you're not overpaying for the ride on this one-trick pony. Low costs are commendable, but when the strategy is as thin as this, it's like bragging about the gas mileage on a car that can't leave the driveway.
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