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A tech-heavy portfolio that thinks diversification is a city in Silicon Valley

Report created on Oct 3, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

At first glance, this portfolio seems to have been designed with a "more tech, please" philosophy, making it more of a fan club than a diversified investment strategy. With over 88% in just three ETFs, two of which are heavily tech-oriented, and a single tech stock making up almost 6%, it's like putting all your eggs in one basket and then asking a robot to watch the basket. This approach screams, "I only trust computers and Jeff Bezos to handle my retirement."

Growth Info

Historically, this portfolio has been on a joyride with a CAGR of 19.22%, which sounds fantastic until you remember the max drawdown was nearly 30%. That's like celebrating a marathon win without mentioning you had to be resuscitated at mile 20. Those 29 days carrying 90% of returns? It's the financial equivalent of cramming for finals and hoping for the best. High risk, high reward, but can your heart handle it?

Projection Info

Monte Carlo simulations are like weather forecasts for your money, offering a range of financial futures without any guarantee. With projections ranging from "buying a yacht" to "still can't retire early," this portfolio's future is as predictable as a coin toss. Sure, a 31.76% average return sounds like you've hacked the stock market, but it's important to remember that simulations are as reliable as a Magic 8-Ball. Prepare for all outcomes, or you might end up financially soaked.

Asset classes Info

  • Stocks
    100%

This portfolio has the diversification of a college student's diet — mostly one thing, with a token nod to vegetables. With 100% in stocks, it's like playing poker with only face cards. Sure, you might win big, but what if everyone else is playing chess? A little bond action or some real estate could be the broccoli your portfolio desperately needs.

Sectors Info

  • Technology
    43%
  • Telecommunications
    11%
  • Consumer Discretionary
    11%
  • Financials
    9%
  • Health Care
    8%
  • Industrials
    6%
  • Consumer Staples
    6%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    1%
  • Real Estate
    1%

With 43% in technology, this portfolio is less diversified and more obsessed. It's like having a diet consisting mainly of pizza because "it covers all food groups." The heavy tilt towards communication services and consumer cyclicals isn't helping, either. It's time to remember there are other sectors in the market, like discovering there's more to music than just your high school emo phase.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

"America or bust" seems to be the motto here, with a staggering 99% in North America. This portfolio treats global diversification like it's a fad diet — interesting in theory but not something to actually try. Sprinkling in a bit of developed Europe doesn't count as exploring international markets. It's like saying you're worldly because you once ate at an Italian restaurant.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    33%
  • Mid-cap
    16%
  • Small-cap
    1%

With a mega and big cap obsession, this portfolio is playing it safe in the schoolyard, sticking with the big kids. There's a sprinkle of medium, and small caps are practically non-existent, like they're afraid of catching cooties. This is the investment equivalent of only watching blockbuster movies and missing out on indie films — sometimes, the best returns come from unexpected places.

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.

Efficiency isn't just for engines. In terms of risk vs. return, this portfolio is like a gas-guzzling sports car — it looks impressive and goes fast, but it's not exactly practical for the long haul. The heavy tilt towards tech and large caps without proper diversification is like flooring the accelerator without a seatbelt. It's thrilling until it's terrifying.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.02%

The dividend yield strategy here is like owning a lemonade stand that only opens on rainy days. With an overall yield of 1.02%, it's clear that income isn't the priority, but even growth portfolios can benefit from the reinvestment of dividends. Schwab’s U.S. Dividend Equity ETF is the portfolio's silver lining, but it's barely enough to keep the lights on.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.06%

The total expense ratio (TER) of 0.06% is like finding a luxury car with economy pricing — surprisingly affordable. This is one of the few areas where the portfolio isn't throwing money out the window. Keeping costs low is like dieting; it might not be fun, but your future self will thank you.

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