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A tech-heavy portfolio that's more volatile than a caffeinated day trader

Report created on Aug 5, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is like a party where tech stocks are the loud guests hogging the limelight, and diversification is the wallflower nobody talks to. With NVIDIA making up nearly a third of the portfolio, it's less diversified and more of a high-stakes gamble on the semiconductor industry. Throwing in a couple of broad-market ETFs doesn't quite cut it for balance when one stock has such overwhelming dominance.

Growth Info

Historically, this portfolio has been a roller coaster that only the bravest of thrill-seekers would enjoy. A CAGR of 32.77% is eye-watering, sure, but with a max drawdown of -43.84%, it's like enjoying the view from a mountaintop one minute and free-falling the next. Those 37 days that drove 90% of the returns? They highlight just how much of a wild, unpredictable ride this has been.

Projection Info

Monte Carlo simulations suggest a wide range of outcomes, from a modest 60.5% to an eye-popping 2,060.4% increase, which sounds great until you remember that this is the financial equivalent of saying you could either find $20 on the street or inherit a fortune from a long-lost relative. The key takeaway? Expect volatility and the unexpected in equal measure.

Asset classes Info

  • Stocks
    100%

Sticking exclusively to stocks is like only eating from the dessert buffet – it's fun until the sugar crash hits. A 100% allocation to equities screams high risk and high reward, but it also screams "I forgot about bonds and other asset classes that could cushion the fall when tech stocks sneeze."

Sectors Info

  • Technology
    48%
  • Health Care
    11%
  • Real Estate
    8%
  • Industrials
    7%
  • Financials
    6%
  • Consumer Discretionary
    5%
  • Consumer Staples
    5%
  • Telecommunications
    4%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    1%

With nearly half the portfolio in technology, it's clear there's a tech addiction that needs addressing. While the sector's growth can be meteoric, its volatility can also be stomach-churning. The smattering of healthcare, real estate, and industrials offers some diversification, but it's a bit like bringing a water pistol to a forest fire.

Regions Info

  • North America
    99%
  • Asia Developed
    1%
  • Europe Developed
    1%

This portfolio's almost exclusive focus on North America, with a mere token nod to international markets, suggests a 'home country bias' that could limit growth opportunities. The world is bigger than the NASDAQ and the S&P 500, and overlooking that fact could mean missing out on global growth stories.

Market capitalization Info

  • Mega-cap
    54%
  • Large-cap
    33%
  • Mid-cap
    11%
  • Small-cap
    2%

A hefty lean towards mega and big caps indicates a preference for the titans of the market, which is wise for stability's sake, but the minuscule allocation to small and micro-caps misses the potential for outsized returns from emerging stars. It's like always betting on Goliath and ignoring the potential Davids.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

Having the Vanguard S&P 500 ETF and Vanguard Total Stock Market ETF in the same portfolio is like buying two different brands of vanilla ice cream and expecting a flavor explosion. Their high correlation means you're not getting the diversification you think you are, just more of the same.

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.

This portfolio is about as optimally balanced as a seesaw with an elephant on one end and a mouse on the other. The heavy concentration in tech and lack of asset class diversification make for a risky ride. Before even thinking about the Efficient Frontier, it's time to get back to basics and diversify.

Dividends Info

  • JPMorgan Equity Premium Income ETF 8.60%
  • The Coca-Cola Company 2.90%
  • Realty Income Corporation 5.10%
  • Raytheon Technologies Corp 1.60%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.36%

The dividend yield strategy here seems to be an afterthought rather than a focused approach. With an overall yield of 1.36%, it's clear that income isn't the priority, but even for growth-focused portfolios, overlooking the power of reinvested dividends is like ignoring free money.

Ongoing product costs Info

  • JPMorgan Equity Premium Income ETF 0.35%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.05%

The total expense ratio (TER) of 0.05% is impressively low, which is surprising for a portfolio that seems to take a "more is more" approach elsewhere. It's like finding a designer suit at a thrift store price – a rare instance of getting more than you bargained for, in a good way.

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