Roast mode 🔥

All hail king Apple this portfolio is a tech cult with a side of expensive mutual funds

Report created on Apr 7, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio composition is basically Apple plus “some American Funds stuff” sprinkled around for decoration. Nearly 30% parked in a single stock is not a tilt; it’s a personality trait. Then you stack a bunch of overlapping growthy mutual funds on top, and toss in 1.6% of an S&P 500 ETF like a garnish that fell into the salad by accident. Structurally, this is a top-heavy pyramid: whatever Apple feels, the entire portfolio feels. A healthier setup usually lets no single name hijack the ship. Here, one company sneezes and the whole thing catches a cold. The big takeaway: this is more concentrated bet than balanced portfolio.

Growth Info

Historically, this thing has absolutely flown. Turning $1,000 into $5,425 with an 18.5% CAGR is “everyone at the barbecue is sick of hearing about my returns” territory. You also beat the US market by 4.2% a year and global markets by 6.7% a year, with a max drawdown slightly better than the benchmarks. But remember, CAGR (compound annual growth rate) is just the smooth story version of a bumpy ride. Past data is like yesterday’s weather: useful, not prophetic. The roast here is simple: performance has been great largely because Apple and big tech were on fire. If that slows, this track record suddenly looks less like genius and more like lucky timing.

Projection Info

The Monte Carlo projection basically runs 1,000 “what if the future acts kind of like the past but also not really” simulations. Median outcome: $1,000 grows to about $2,702 in 15 years, with a wide “could be okay, could be meh” range from roughly $927 to $7,829. Average simulated annual return is 8.13%, which is way humbler than your historical 18.5%. That’s the math quietly saying, “Don’t expect the glory days to repeat forever.” Positive outcome odds around 73% are decent but not bulletproof. Takeaway: this portfolio can still work nicely long term, but the future distribution looks a lot more mortal than the backtest rock concert you’ve been enjoying.

Asset classes Info

  • Stocks
    99%

Asset classes: 99% stocks, 1% “hope nothing bad happens.” This is an unambiguous growth junkie portfolio. There’s no real buffer here — no bonds, no diversifiers, just pure equity roller coaster. That’s great when markets go up; brutal when they don’t. It’s like flooring the gas on a sports car and then tossing the brakes out the window to save weight. For someone genuinely long-term and stomach-strong, a stock-heavy mix can be fine. But let’s not pretend this is “moderately” anything. The takeaway: if you’re going almost all-in on stocks, you at least need a plan for what you’ll do when they drop 30% again.

Sectors Info

  • Technology
    51%
  • Industrials
    9%
  • Financials
    9%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Telecommunications
    7%
  • Consumer Staples
    4%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    1%
  • Real Estate
    1%

Sector-wise, this is a 51% love letter to technology with some small comfort snacks in industrials, financials, and health care. Tech addiction fully confirmed. When over half of your equity exposure is tied to one broad theme, you’re basically betting that the future looks like the last 10 years. That may work, or it may be the investing equivalent of wearing last season’s fashion to next decade’s party. Sectors like utilities and real estate barely exist here, which means if growth falls out of favor, there’s nowhere to hide. General lesson: big sector tilts can juice returns, but they also turn your portfolio into a style bet whether you mean to or not.

Regions Info

  • North America
    81%
  • Europe Developed
    10%
  • Asia Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Latin America
    1%

Geographically, this portfolio is very “USA and friends.” About 81% in North America, with the rest scattered thinly across developed Europe, Japan, and a light dusting of emerging markets. It’s basically the financial equivalent of someone who’s technically traveled but really just hits the same resort area every time. The upside: US-heavy portfolios have done great lately, so the past looks fantastic. The risk: if global leadership rotates away from the US, you’re heavily exposed to one region’s fate. A more globally balanced setup spreads political, currency, and growth risks. Here, it’s America or bust with a few tourist visas elsewhere.

Market capitalization Info

  • Mega-cap
    63%
  • Large-cap
    21%
  • Mid-cap
    12%
  • Small-cap
    2%

Market cap exposure is firmly parked in “big dog” territory: 63% mega-cap, 21% large-cap. Mid-caps and small-caps are basically an afterthought. That’s consistent with the Apple + blue chip fund vibe, but it means you’re riding the giants and mostly ignoring the scrappy up-and-comers. Big companies can feel safer, but they’re also heavily owned, heavily analyzed, and move in similar ways. It’s like building a sports team only from aging all-stars — reliable until they’re not, with less room for surprise upside. The takeaway: this setup will likely track big-name sentiment closely and may miss cycles where smaller companies shine harder.

True holdings Info

  • Apple Inc
    28.92%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    Direct holding 28.81%
  • Microsoft Corporation
    2.42%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    Direct holding 2.34%
  • NVIDIA Corporation
    0.12%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    0.06%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    0.05%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    0.04%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    0.04%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    0.04%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Tesla Inc
    0.03%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Berkshire Hathaway Inc
    0.03%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 31.75%

The look-through holdings scream one thing: Apple obsession. You’ve got 28.81% directly and a bit more leaking in via funds and the ETF, taking total exposure to 28.92%. That’s not diversification; that’s a shrine. Microsoft comes in second at about 2.4% total, then everything else is tiny. Overlap is underreported because only ETF top 10s are used, so the real duplication inside those American Funds products is probably worse. Think of it like owning five different pizza restaurants that all serve the same pepperoni slice. The hidden message: there’s way less true variety under the hood than the fund list suggests.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
High
Data availability: 100%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor-wise, you’ve accidentally built a pretty clear story: low value, high quality, and low yield. Factors are like the secret flavors driving returns — value, size, momentum, quality, low volatility, yield. Here, value at 34% means you’re leaning away from cheap stuff; you like the shiny, more expensive names. Quality at 60% says your holdings tend to have solid profits and balance sheets — so at least the expensive toys aren’t junk. Yield at 30% shows dividends are not the priority despite that big overall yield number (which is probably distorted by distributions). Translation: this is a “pay up for good companies and hope growth justifies the price” profile, not a bargain-hunter or income-seeker build.

Risk contribution Info

  • Apple Inc
    Weight: 28.81%
    38.9%
  • NEW PERSPECTIVE FUND CLASS A
    Weight: 16.16%
    14.2%
  • CAPITAL WORLD GROWTH & INCOME FUND CLASS A
    Weight: 11.24%
    8.6%
  • GROWTH FUND OF AMERICA CLASS A
    Weight: 8.90%
    8.6%
  • WASHINGTON MUTUAL INVESTORS FUND CLASS A
    Weight: 10.07%
    7.7%
  • Top 5 risk contribution 78.0%

Risk contribution is where the mask really comes off. Apple at 28.8% weight is contributing 38.9% of your total risk. That means over a third of the portfolio’s mood swings are basically whatever Apple feels when it wakes up. The top three holdings together drive about 62% of portfolio risk, even though they’re only around 56% of the weight. Risk contribution is basically “who’s actually shaking the boat,” and one stock is doing way too much shaking. General takeaway: when a single position’s risk share dwarfs everything else, trimming or rebalancing it can dramatically calm the ride without changing the overall theme.

Redundant positions Info

  • NEW WORLD FUND INC CLASS A
    NEW ECONOMY FUND CLASS A
    Vanguard S&P 500 ETF
    WASHINGTON MUTUAL INVESTORS FUND CLASS A
    CAPITAL WORLD GROWTH & INCOME FUND CLASS A
    GROWTH FUND OF AMERICA CLASS A
    AMERICAN FUNDS FUNDAMENTAL INVESTORS CLASS A
    NEW PERSPECTIVE FUND CLASS A
    High correlation

The correlation list reads like a group chat of clones. All those American Funds products plus the S&P 500 ETF are moving almost identically. Owning multiple highly correlated funds is like buying three copies of the same book and calling it a library. In a crash, they’re all going down together, not politely taking turns. Correlation just measures how often assets move in the same direction; here, the answer is “very often.” The punchline: the number of tickers makes this look diversified, but behaviorally it’s just one big knotted ball of US growth equity with slightly different labels.

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 risk–return chart, the portfolio is basically saying, “I like being slightly inefficient.” Your Sharpe ratio (return per unit of risk) is 0.72, while the optimal mix of these same holdings could hit 0.98 — way better risk-adjusted returns — and you’re sitting about 1.32 percentage points below the efficient frontier at your risk level. The efficient frontier is just the best possible combo of what you already own; no new toys, just smarter portions. The insult here is harsh: you managed to pick a strong set of growthy assets, then arranged them in a way that’s aggressively suboptimal. With better weighting, you could keep the theme and get more return for the same roller coaster.

Dividends Info

  • Apple Inc 0.40%
  • GROWTH FUND OF AMERICA CLASS A 11.60%
  • AMERICAN FUNDS FUNDAMENTAL INVESTORS CLASS A 8.80%
  • NEW ECONOMY FUND CLASS A 10.30%
  • NEW PERSPECTIVE FUND CLASS A 6.90%
  • WASHINGTON MUTUAL INVESTORS FUND CLASS A 10.40%
  • CAPITAL WORLD GROWTH & INCOME FUND CLASS A 10.60%
  • Microsoft Corporation 0.90%
  • NEW WORLD FUND INC CLASS A 5.70%
  • SMALLCAP WORLD FUND INC CLASS A 4.80%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 6.29%

The dividend yield picture is frankly a little weird. You’ve got individual stocks like Apple (0.4%) and Microsoft (0.9%) that barely bother paying, mixed with funds throwing around double-digit yields like it’s a clearance sale: 10–11% from several American Funds products. Total portfolio yield at 6.29% looks juicy, but that level is often more about distributions, capital gains, or return of capital than some magical income machine. It’s like getting a “bonus” from your own wallet. Takeaway: if you’re here for income, make sure you understand what’s driving those payouts. High fund yields often don’t mean low risk or free money.

Ongoing product costs Info

  • GROWTH FUND OF AMERICA CLASS A 0.59%
  • AMERICAN FUNDS FUNDAMENTAL INVESTORS CLASS A 0.57%
  • NEW ECONOMY FUND CLASS A 0.72%
  • NEW PERSPECTIVE FUND CLASS A 0.71%
  • WASHINGTON MUTUAL INVESTORS FUND CLASS A 0.55%
  • CAPITAL WORLD GROWTH & INCOME FUND CLASS A 0.73%
  • NEW WORLD FUND INC CLASS A 0.96%
  • SMALLCAP WORLD FUND INC CLASS A 1.03%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.46%

Costs land in “could be worse, still not great” territory. A total TER of 0.46% is fine by old-school standards, but in an ETF world where broad exposure costs 0.03%, you’re definitely leaving some chips on the table. Several of those American Funds products sit between 0.55% and 1.03%, which is like paying for premium gasoline in a car that spends half its life stuck in the same traffic as everyone else. The only thing pulling its weight fee-wise is the Vanguard S&P 500 ETF at 0.03%, and it’s a tiny part of the portfolio. Costs won’t kill you here, but they’re not exactly optimized either.

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