One stock to rule them all and several index funds to politely watch
Report created on Aug 5, 2026Risk profile
6/7
Diversification profile
2/5
Positions
-
TS Taiwan Semiconductor Manufacturing
TSM - US8740391003 66.12% -
VF VANGUARD TARGET RETIREMENT 2055 FUND INVESTOR SHARES
VFFVX - US92202E8479 19.83% -
NV NVIDIA Corporation
NVDA - US67066G1040 4.96% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 4.96% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 4.13%
This portfolio is basically “TSMC plus some garnish.” Two thirds in a single stock, another fifth in a target date fund, and the rest sprinkled across broad US ETFs like someone felt guilty and added a side salad. That 66% position isn’t a tilt; it’s an obsession. Structurally, this looks less like a portfolio and more like a stock pick with a support group. When one company calls all the shots, diversification becomes more of a vibe than a reality. The result is a setup where everything else exists mainly to make the statement “I own more than one thing” technically true.
Growth
Historically, this thing has been an absolute rocket: $1,000 turning into about $20,097 with a 35% CAGR is cartoon-level growth. But the -51% max drawdown is the hangover behind the party: half the value gone at one point, taking over a year to crawl back. CAGR (compound annual growth rate) is like your average speed on a road trip; max drawdown is the moment the car went off a cliff. Versus the US and global markets, outperformance is huge, but so is the icing-your-nerves volatility. Past data here screams “amazing ride, terrifying seatbelt.”
Projection
The Monte Carlo simulation basically asks, “What if the future rolls dice instead of repeating the past?” A median outcome of $2,785 from $1,000 in 15 years is decent, but nowhere near the historic rocket fuel this portfolio enjoyed. The possible range going from about $956 to $7,103 shows how wide the chaos can get. Monte Carlo is like running 1,000 alternate timelines: most are okay, some are great, and a few are “why is everything on fire.” It’s a reminder that markets don’t care what the backtest looked like.
Asset classes
- Stocks 98%
- Bonds 2%
Asset-class-wise, this is basically 98% stocks and 2% bonds, which barely qualifies as “owns bonds” on a technicality. That tiny bond slice comes via the target date fund, like a token gesture toward caution. Stocks bring growth but also drama; bonds are usually the boring friend who keeps everyone from making terrible life choices. Here, the boring friend is handcuffed in the corner while equities run the party. The result is a portfolio that fully embraces equity risk and then adds concentration on top, turning “aggressive” into “hope the ride never stops.”
Sectors
- Technology 80%
- Financials 4%
- Industrials 3%
- Health Care 2%
- Telecommunications 2%
- Consumer Discretionary 2%
- Consumer Staples 1%
- Energy 1%
- Basic Materials 1%
- Consumer Discretionary 1%
- Utilities 1%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector exposure screams tech addiction: 80% in technology is not a tilt, it’s a personality trait. The tiny allocations to financials, industrials, health care, and everything else are basically decoration at this point. When one sector dominates like this, the portfolio rises and falls with that theme’s mood swings. Diversification across sectors is supposed to be like having multiple income streams; this setup is more “one very well-paid job and a couple of side hustles that barely cover coffee.” If tech stumbles, everything stumbles with it.
Regions
- Asia Emerging 67%
- North America 26%
- Europe Developed 3%
- Asia Developed 1%
- Japan 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, this is “Asia emerging or bust,” with 67% there, mostly courtesy of the TSMC stake. North America at 26% is almost an afterthought, and the rest of the world gets whatever crumbs are left. That’s the opposite of most global equity mixes, which usually lean heavily on the US. Having one region dominate means political risk, regulatory risk, and local market mood swings all get amplified. It’s like anchoring your financial life to one neighborhood and hoping the zoning board, power grid, and weather all stay friendly forever.
Market capitalization
- Mega-cap 83%
- Large-cap 8%
- Mid-cap 5%
- Small-cap 1%
This breakdown covers the equity portion of your portfolio only.
On market cap, this portfolio is worshipping at the altar of the giants: 83% in mega-caps, 8% in large-caps, and barely a whisper in mid and small caps. That’s fine if the giants keep carrying the market, but it also means almost no exposure to the scrappier companies that drive a lot of long-term growth and valuation mean reversion. It’s as if the portfolio looked at the stock universe and said, “Give me the usual suspects and don’t bother with the weird little upstarts.” Stable? Maybe. Concentrated in the same mega crowd as everyone else? Definitely.
True holdings
-
-
Part of fund(s):
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 0.57%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 0.37%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 0.31%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 0.28%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 0.24%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.22%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 0.17%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.17%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 74.04%
This breakdown covers the equity portion of your portfolio only.
The look-through view is basically “TSMC, then noise.” At 66% direct weight, nothing else even gets to compete. NVIDIA shows up twice (direct plus ETFs), nudging total exposure to about 5.6%, which is a cute bit of hidden concentration but hardly the main villain here. A smattering of Apple, Microsoft, Amazon, and Alphabet comes via the index funds, but they’re just background characters. Overlap is actually pretty mild, yet the portfolio still manages to be dangerously focused, proving you don’t need overlapping funds to create single-name risk on hard mode.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor-wise, the portfolio leans very hard into momentum and quality, with very low size exposure. Momentum at 84% says “I love whatever’s been winning lately,” while quality at 85% says “but at least I want the good version of it.” Size at 14% means tiny interest in smaller companies; this is a big-stock, trend-riding machine. Factors are like the hidden flavor profile: this one is “large, shiny, and currently popular.” In raging bull markets, that combo can look genius. In reversals, it’s like flooring the gas just as the road turns to ice.
Risk contribution
-
Taiwan Semiconductor Manufacturing
Weight: 66.12% 81.3% -
VANGUARD TARGET RETIREMENT 2055 FUND INVESTOR SHARES
Weight: 19.83% 8.0% -
NVIDIA Corporation
Weight: 4.96% 6.4% -
Vanguard S&P 500 ETF
Weight: 4.96% 2.4% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 4.13% 2.0%
Risk contribution is where the mask fully comes off. TSMC is 66% of the portfolio but 81% of the total risk, which is wild. That’s like one band member playing so loud the rest of the group is basically karaoke. NVIDIA at 5% weight adds over 6% of risk, also punching above its size. The top three positions drive more than 95% of all risk, meaning everything else could disappear and the portfolio would pretty much behave the same. This isn’t diversification; it’s a one-stock roller coaster with a couple of index funds strapped to the roof.
Redundant positions
-
High correlationVanguard Total Stock Market Index Fund ETF SharesVanguard S&P 500 ETF
The only high-correlation callout is between the S&P 500 ETF and the Total Stock Market ETF, which is the least surprising plot twist ever. Those two moving almost identically is like saying “diet cola and zero-sugar cola taste kind of similar.” Holding both doesn’t break anything, but it does mean there’s some redundancy that adds complexity without bringing much new behavior. In a crash, they’re highly likely to fall together, so they don’t really bring extra resilience. They mostly bring an extra line on a statement.
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.
On the efficient frontier, this portfolio manages the neat trick of taking a lot of risk without actually sitting on the best risk/return trade-off. Its Sharpe ratio of 0.94 trails the optimal portfolio’s 1.26, and it sits about 4.9 percentage points below the frontier at its current volatility. Sharpe is basically “return per unit of pain”; higher is better. The funny part is that, even using only the same ingredients, a different weighting could squeeze more return from the same risk. Instead, this looks like someone set the dial to “aggressive” and stopped reading.
Dividends
- NVIDIA Corporation 0.10%
- Taiwan Semiconductor Manufacturing 0.70%
- VANGUARD TARGET RETIREMENT 2055 FUND INVESTOR SHARES 1.80%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Weighted yield (per year) 0.92%
Dividends are basically an afterthought here, with a total yield under 1%. TSMC throws a little income, NVIDIA almost none, and the broad ETFs and target date fund bring modest payouts. This is firmly a growth-first setup with dividends playing the role of spare change found in the couch cushions. Dividends can help smooth the ride and pay you while you wait; this portfolio clearly decided waiting is for other people. The income stream won’t matter much in returns here — it’s all about whether the growth engines keep firing.
Ongoing product costs
- VANGUARD TARGET RETIREMENT 2055 FUND INVESTOR SHARES 0.08%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.02%
Costs are almost suspiciously low: a blended TER around 0.02% is basically “Vanguard-level cheap plus some individual stocks.” Fees are under control — you must have clicked the right funds by habit or luck. The amusing part is that this ultra-frugal cost structure is attached to a wildly concentrated, high-drama portfolio. It’s like getting a discount airline ticket to fly directly into a hurricane. At least the turbulence isn’t also expensive. Whatever else is going on here, nobody can accuse this setup of wasting money on management fees.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey