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A portfolio that loves healthcare and tech almost as much as it fears diversification

Report created on Jul 19, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification
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Positions

This portfolio has the diversity of a 90s boy band: almost entirely dominated by two sectors with a splash of others for appearances. With a whopping 30.5% in a single healthcare fund and over 22% in Amazon, it's like betting on red and black at the roulette table but forgetting the other numbers exist. The attempt at diversification by throwing in some cash and a token ETF is akin to adding a sprig of parsley on a mountain of fries and calling it a balanced meal.

Growth Info

Historically, this portfolio seems to have had a wild ride with a CAGR of 13.20%, which is like riding a roller coaster blindfolded — thrilling but not recommended for the faint-hearted. The max drawdown of -33.54% screams volatility louder than a horror movie. Relying heavily on past performance is as risky as texting an ex; it might look good now, but there's a lot of potential for regret.

Projection Info

Monte Carlo simulations spit out numbers like a malfunctioning slot machine, ranging from a nightmare scenario of -57.4% to a dreamy 427.3%. It's like forecasting the weather by looking at the sky; there's a method to the madness, but don't plan your picnic based on it. Remember, simulations are educated guesses, not crystal balls.

Asset classes Info

  • Stocks
    82%
  • Cash
    1%

Stock-heavy with a side of cash, this portfolio is like a diet of steak every night — it might be satisfying for a while, but it's not exactly balanced. With 82% in stocks and a curious 16.61% in a money market fund, it's like wearing a belt and suspenders; overly cautious in one area while being borderline reckless in others.

Sectors Info

  • Health Care
    31%
  • Consumer Discretionary
    23%
  • Technology
    10%
  • Telecommunications
    9%
  • Energy
    7%
  • Financials
    1%
  • Industrials
    1%
  • Consumer Staples
    1%

Sector allocation here is more lopsided than a seesaw with an elephant on one side. Healthcare and consumer cyclicals together form a lion's share, making it vulnerable to sector-specific downturns. It's like having all your eggs in two baskets, then juggling them.

Regions Info

  • North America
    83%

Geographically, this portfolio is more American than apple pie, with 83% allocated in North America. It's like planning a world tour but only visiting your hometown. Expanding horizons could reduce risk and potentially uncover opportunities in international markets.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    33%
  • Mid-cap
    9%
  • Small-cap
    2%
  • Micro-cap
    1%

The cap-size allocation leans heavily towards the giants, making this portfolio look like it only roots for Goliath in the David vs. Goliath story. With 38% in mega and 33% in big caps, there's a noticeable neglect of the potential growth (and risk) that smaller companies can offer.

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.

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This portfolio's risk-return profile might make sense to someone who enjoys roller coasters in the dark. It's far from the Efficient Frontier, a concept that's like the holy grail of investment optimization, suggesting there's room to improve the risk-return trade-off. It's like realizing you've been driving with the handbrake on — effective but far from efficient.

Dividends Info

  • Apple Inc 0.50%
  • Enbridge Inc 6.00%
  • VANGUARD HEALTH CARE INDEX FUND ADMIRAL SHARES 1.20%
  • Vanguard Money Market Reserves - Vanguard Cash Reserves Federal Money Market Fund 4.20%
  • Vanguard S&P 500 ETF 1.20%
  • Verizon Communications Inc 5.00%
  • Weighted yield (per year) 1.93%

The dividend yield strategy here is a mixed bag. While Enbridge and Verizon offer a nice yield, the overall yield of 1.93% is like finding loose change in the couch — nice to have, but you won't get rich off it. Relying solely on dividends from a few stocks is like betting on rain in the desert; it might happen, but you shouldn't count on it.

Ongoing product costs Info

  • VANGUARD HEALTH CARE INDEX FUND ADMIRAL SHARES 0.09%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.03%

On the bright side, the costs are so low they're practically in the basement, which is genuinely commendable. It's like finding a luxury hotel at motel prices. In a world where fees can eat into returns like termites on wood, this portfolio stands out for its penny-pinching prowess.

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