This portfolio has only about 1.2 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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A masterclass in overconcentration where diversification is more theory than practice

Report created on May 6, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification
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Positions

This portfolio is like a buffet where someone loaded up on carbs and forgot the veggies. With over a third in just one ETF, it's like betting your life savings on black because "it's due." The heavy reliance on U.S. equities, especially with such a significant chunk in the Vanguard Total Stock Market Index Fund ETF, suggests a "put all your eggs in one basket and watch that basket" strategy, except the basket is more like a colander with all the diversification holes.

Growth Info

Historically, this portfolio's CAGR of 28.85% might make you feel like Midas, but remember, even Midas had his regrets. With a max drawdown of -24.40%, those golden days can turn into leaden ones pretty fast. And relying on just eight days for 90% of your returns? That's like winning the lottery but forgetting where you put the ticket. High volatility with narrow profit windows is a recipe for heartburn.

Projection Info

Monte Carlo simulations are like Vegas for your portfolio, offering a glimpse of potential futures without the free cocktails. Your portfolio's simulations suggest you're playing with house money, but remember, the house always wins. A 35.34% annualized return across simulations sounds dreamy, but betting on such aggressive growth is like expecting a unicorn in your backyard by morning. Diversify your expectations as well as your investments.

Asset classes Info

  • Stocks
    84%
  • Cash
    8%
  • Bonds
    5%
  • No data
    3%
  • Other
    1%

With 84% in stocks, this portfolio is like a drag racer that's all engine and no brakes. The 8% cash might seem like a safety net, but it's more like a napkin to cushion a fall from a skyscraper. Bonds are barely there, and the "NotClassified" and "Other" categories are like the mystery meat of investing — not enough to make a difference, but still concerning.

Sectors Info

  • Technology
    25%
  • Health Care
    10%
  • Financials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Consumer Staples
    7%
  • Industrials
    7%
  • Energy
    5%
  • Utilities
    2%
  • Basic Materials
    1%
  • Real Estate
    1%

A 25% tilt towards technology is like still using a flip phone because it worked great in 2005. Healthcare and financial services make up the next tier, but the overall sector spread is like a diet of fast food — you've got variety, but it's not exactly balanced. This tech-heavy approach might have worked in the past, but it's no promise for the future.

Regions Info

  • North America
    85%
  • Europe Developed
    1%

With 85% in North America, this portfolio is the investment equivalent of never leaving your hometown. The minimal exposure to developed Europe and the complete absence of emerging and frontier markets are like saying you're well-traveled because you once went to Canada. Global diversification can reduce risk and uncover opportunities beyond the stars and stripes.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    30%
  • Mid-cap
    17%
  • Small-cap
    4%
  • Micro-cap
    1%
  • No data
    1%

Mega and big caps dominate, making this portfolio the equivalent of only watching blockbuster movies — predictable but potentially missing out on indie gems. Medium, small, and micro caps are like the interesting people at a party you never talk to. Expanding into these areas could lead to higher growth, albeit with higher volatility.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    JPMorgan Nasdaq Equity Premium Income ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation among your top holdings is like having four quarterbacks on your fantasy team. Sure, they might all score points, but their performance is too closely linked to the overall market's ups and downs. Diversification means not just owning different things, but owning things that behave differently.

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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Your portfolio is like a car with three flat tires and a turbocharger — it's not going anywhere fast. The suggestion to reach a 51.06% expected return with the same risk level is like being offered a jetpack while you're still figuring out how to ride a bike. Before dreaming of jetpacks, let's get some air in the tires by addressing the glaring issues of overconcentration and correlation.

Dividends Info

  • Ares Capital Corporation 9.40%
  • JPMorgan Equity Premium Income ETF 7.20%
  • JPMorgan Nasdaq Equity Premium Income ETF 11.50%
  • Main Street Capital Corporation 7.80%
  • Tidal Trust II 120.90%
  • Schwab U.S. Dividend Equity ETF 4.00%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Weighted yield (per year) 19.66%

This portfolio's dividend strategy is like owning a sports car and never taking it above 30 mph. With yields ranging wildly from 0.40% to 120.90%, it's clear there's a lack of coherent strategy. High yields are enticing, but they're not free money — they often signal higher risk or a company returning cash instead of investing in growth.

Ongoing product costs Info

  • SPDR® Gold Shares 0.40%
  • JPMorgan Equity Premium Income ETF 0.35%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Tidal Trust II 0.99%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.23%

Costs are the silent killers of portfolios, and yours, at an average TER of 0.23%, is like being nibbled to death by ducks. It's low, especially for a growth profile, but don't get complacent. Every penny paid in fees is a penny not compounding for your future. Keep an eye on those expense ratios, especially the outliers.

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