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A roller coaster of momentum and small caps with a tech flavor that might induce vertigo

Report created on Nov 4, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

At first glance, this portfolio screams "I want it all and I want it now," with a haphazard sprinkle of everything that sounds trendy. Piling into momentum, small caps, and tech like there's no tomorrow is a bold move, akin to wearing sunglasses at night — sure, you look cool, but can you really see where you're going? The heavy tilt toward high-volatility plays without a safety net of bonds or other asset classes is like driving a sports car on icy roads. Thrilling, but you might wish you had some chains on those tires.

Growth Info

Historically, this portfolio has been a firecracker with a Compound Annual Growth Rate (CAGR) that could make a hedge fund manager blush. But let's not forget, past performance is like an ex's love letters — sweet memories but not a promise of future happiness. That Max Drawdown of -35.45% is a stark reminder that what goes up can come crashing down, and those 23 days carrying 90% of returns are like betting your retirement on a few rolls of the dice.

Projection Info

Monte Carlo simulations suggest this portfolio could be a wild ride, with a spread from +127.1% to +1,369.1% at key percentiles. While it's tempting to dream about those top-end gains, remember Monte Carlo is like weather forecasting for your investments — useful, but pack an umbrella because surprises happen. The wide range in outcomes underlines just how bumpy this ride could be. Betting big on high volatility assets means you could be sipping champagne or eating canned beans in retirement.

Asset classes Info

  • Stocks
    100%

All in on stocks, huh? This is like showing up to a potluck with seven different types of potato salad. Sure, you've covered the potato salad category like a champ, but what about the rest of the meal? A 100% allocation to stocks is bold but lacks the nuanced balance that other asset classes bring to the table. It's like a financial diet consisting entirely of steak — tasty but missing some essential nutrients.

Sectors Info

  • Technology
    27%
  • Financials
    17%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Telecommunications
    7%
  • Basic Materials
    5%
  • Energy
    5%
  • Consumer Staples
    4%
  • Health Care
    3%
  • Utilities
    2%
  • Real Estate
    1%

The tech sector's heavyweight status in this portfolio isn't surprising, but it does raise an eyebrow. At 27%, you're riding the Silicon Valley roller coaster with both hands in the air. While tech has been the belle of the ball, sectors go in and out of fashion like skinny jeans. Remember, diversification across sectors is like having a well-rounded friend group — it's healthier and you're prepared for more situations.

Regions Info

  • North America
    68%
  • Europe Developed
    11%
  • Japan
    6%
  • Asia Emerging
    5%
  • Asia Developed
    5%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

North America takes the lion's share of this portfolio, with a smattering of international exposure that feels like an afterthought. This "America First" approach might resonate with patriotic sentiment, but in the global investment party, you're essentially ignoring most of the guests. Expanding your horizons could reduce the risk of home country bias and introduce you to opportunities you're currently snubbing.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    23%
  • Mid-cap
    18%
  • Small-cap
    14%
  • Micro-cap
    8%

The mix of mega, big, medium, small, and micro caps is like a cocktail with too many ingredients — complex but potentially unbalanced. Leaning heavily on smaller companies for growth is adventurous but remember, small caps can be like teenagers — high potential but oh, so volatile. Diversifying across market caps is crucial unless you enjoy financial roller coasters without the safety bar.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Growth Index Fund ETF Shares
    Fidelity® MSCI Information Technology Index ETF
    High correlation

Having Vanguard S&P 500 ETF, Vanguard Growth Index Fund ETF Shares, and Fidelity® MSCI Information Technology Index ETF move in a synchronized dance might seem harmonious, but it's a diversification faux pas. It's like having three quarterbacks on your fantasy team — they might score big, but their overlapping roles limit your team's overall potential. Spreading the risk across less correlated assets can help smooth out the ride.

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.

Before optimizing, addressing the highly correlated assets is like deciding to finally clean out that cluttered garage. It might seem daunting, but it's necessary for making space and improving functionality. This portfolio could benefit from a diversification detox, trimming the fat where overlaps occur, and introducing uncorrelated assets to build resilience against market volatility.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.40%
  • Avantis® Emerging Markets Equity ETF 2.60%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Invesco S&P International Developed Momentum ETF 1.70%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Weighted yield (per year) 1.56%

The portfolio's dividend yield is like finding loose change in the couch — nice to have but won't pay the bills. While not the main attraction in a growth-oriented strategy, dividends can provide a steady income stream and a psychological cushion during market downturns. Ignoring dividends is like skipping the appetizers — you might still have a satisfying meal, but you're missing out on some of the enjoyment.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.18%

With a Total Expense Ratio (TER) of 0.18%, this portfolio is lean on fees, which is commendable. It's like finding a low-cost gym that still has all the equipment you need — efficient and effective. Keeping costs down is critical in maximizing returns, so at least in this aspect, it seems you've dodged unnecessary financial calories.

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