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A portfolio that mistakes redundancy for diversification and rides the volatility wave

Report created on Jun 14, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Diving into this portfolio feels like discovering someone tried to make a smoothie by blending the same fruit twice, with a sprinkle of spice that could either make it surprisingly zesty or downright unpalatable. With 76% of the portfolio in two Vanguard ETFs that probably attend the same parties, and a daring 5% in a triple-leveraged semiconductor ETF, it's like betting on both horses in a two-horse race and then throwing a wild card in for kicks. The attempt at diversification seems more like a mirage upon closer inspection.

Growth Info

With a CAGR of 15.86% and a max drawdown that would give even the bravest investor vertigo at -46.38%, this portfolio's historical performance is like a roller coaster that only those with a strong stomach and a blindfold would enjoy. Those 23 days that make up 90% of the returns? They're like finding out your winning lottery ticket numbers are actually the dates of full moons — rare, unpredictable, and not a strategy.

Projection Info

Monte Carlo simulations, the financial world's crystal ball, suggest a wild ride between losing over half of your money and potentially multiplying your initial investment by 18. That's not a forecast; it's a dare. With such a vast range, planning for the future feels less like strategic financial planning and more like preparing for every possible weather event on the same day.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% in stocks and a lonely 1% in cash, this portfolio is like showing up to a potluck with just a fork. There’s no plate, no napkin, and certainly nothing to share. Stocks might be the life of the party, but without a more balanced mix of asset classes, this portfolio is always one market downturn away from a bad time.

Sectors Info

  • Technology
    25%
  • Health Care
    22%
  • Financials
    12%
  • Telecommunications
    11%
  • Consumer Discretionary
    8%
  • Industrials
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    2%

A 25% allocation to technology suggests a love affair with Silicon Valley, while healthcare and financial services tags along but doesn't quite capture the heart. This sector spread is like going to a buffet and filling your plate with mostly dessert — delightful until the inevitable sugar crash.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 86% invested in North America, this portfolio wears its home bias on its sleeve like a patriotic tattoo. The token allocations to other regions are like saying you love travel because you once went to Canada for a weekend. In today's global economy, this portfolio could benefit from broadening its horizons.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    25%
  • Mid-cap
    15%
  • Small-cap
    5%
  • Micro-cap
    1%

A heavy tilt towards mega and big caps, with a timid flirtation with smaller sizes, suggests a preference for the tried and true over the bold and new. It's like always ordering the same dish at a restaurant because you know it's good, but missing out on potentially discovering a new favorite.

Redundant positions Info

  • Vanguard Total World Stock Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The Vanguard twins in this portfolio are so similar that they might as well be mirror images of each other, offering as much diversification as a pair of identical socks. This high correlation negates the very purpose of diversification, making it a classic case of misunderstanding the assignment.

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's attempt at optimization is like trying to balance a seesaw with two elephants on one side and a circus peanut on the other. The heavy overlap between the two largest holdings and the wild card of a leveraged ETF throws any semblance of balance out the window. Removing redundancy and embracing true diversification would be a good start towards stability.

Dividends Info

  • Alphabet Inc Class A 0.30%
  • Direxion Daily Semiconductor Bull 3X Shares 1.80%
  • UnitedHealth Group Incorporated 2.70%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Weighted yield (per year) 1.66%

The dividend yield hovering around 1.66% is like finding some loose change in the couch — nice to have but not life-changing. Relying on this for income would be akin to planning your diet around what you can grow in a small windowsill herb garden.

Ongoing product costs Info

  • Direxion Daily Semiconductor Bull 3X Shares 0.76%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.08%

The cost structure, with a TER average that’s practically a rounding error for most of the portfolio except for the spicy semiconductor ETF, is one of the few aspects that doesn’t warrant a facepalm. It’s like realizing you've been frugal with your grocery shopping, only to blow your savings on lottery tickets.

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