Roast mode 🔥

A love letter to big tech with a side of wishful thinking in diversification

Report created on Aug 16, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

Starting with portfolio composition, it's like someone took the concept of "don't put all your eggs in one basket" and decided it was more of a suggestion than a rule. With over half of the portfolio in Apple alone, followed by significant chunks in Microsoft, Berkshire Hathaway, and Amazon, this portfolio screams tech fanboy/fangirl with a hint of value investing. The inclusion of a couple of ETFs seems like a last-minute attempt to sprinkle in some diversification, but it's barely a nod to the concept.

Growth Info

Historically, this portfolio has ridden the tech wave with a CAGR of 18.36%, which sounds fantastic until you realize it's like being on a roller coaster with a -27.30% max drawdown. This performance is heavily reliant on the tech sector's bull run. The days that make up 90% of returns being only 17.0 is like saying you won the lottery but only because you bought tickets on the days everyone else won too.

Projection Info

The Monte Carlo simulation, with its fancy 1,000 scenarios, suggests a wide range of outcomes from a 57.4% to a 1,100.6% return. While those numbers might get your heart racing, remember, Monte Carlo is like forecasting weather in the stock market - it's educated guessing. High variance indicates this portfolio could either be a ticket to the moon or a dive into the deep end, depending on tech sector winds.

Asset classes Info

  • Stocks
    100%

Sticking 100% to stocks is akin to playing poker with only face cards. Sure, they're powerful, but without variety, you're limiting your strategies. The absence of bonds, real estate, or any alternative investments leaves this portfolio lacking a safety net, making it vulnerable to market volatility. It's high risk, high reward, with an emphasis on the risk.

Sectors Info

  • Technology
    73%
  • Financials
    16%
  • Consumer Discretionary
    8%
  • Telecommunications
    1%

With 73% in technology, this portfolio is less diversified and more a love affair with Silicon Valley. Financial services and consumer cyclicals make a cameo, but it's clear where the heart lies. This tech addiction exposes the portfolio to sector-specific downturns. If tech sneezes, this portfolio catches a cold.

Regions Info

  • North America
    100%

"America or bust" seems to be the geographic strategy here, with 100% allocation to North America. Ignoring the rest of the globe, this portfolio misses out on global growth opportunities and diversification benefits. It's like refusing to eat anything but hamburgers in a world full of cuisine.

Market capitalization Info

  • Mega-cap
    97%
  • Large-cap
    2%
  • Mid-cap
    1%

Mega-cap companies make up 97% of the portfolio, which is like only hanging out with the popular kids at school. Sure, they're less risky than their smaller counterparts, but they also offer less growth potential. This mega-cap love affair sacrifices opportunities for higher returns found in smaller companies.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Invesco NASDAQ 100 ETF
    High correlation

The correlation between the ETFs and the individual tech stocks is like having twins in a classroom and expecting different results on a test. They'll likely score similarly, reducing the diversity benefit. The portfolio's over-reliance on correlated assets in the tech sector amplifies risk instead of mitigating it.

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.

The portfolio's current setup is like insisting on using a map from the 90s to navigate today's roads. Sure, it might get you there, but there are more efficient routes. An optimal portfolio with the same risk level could potentially yield a 19.44% return, suggesting that a little rejigging could go a long way in improving performance without upping the ante on risk.

Dividends Info

  • Apple Inc 0.40%
  • Microsoft Corporation 0.50%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Weighted yield (per year) 0.33%

The dividend yield is like finding loose change in the couch; it's nice, but it won't pay the bills. A total yield of 0.33% is not going to cushion any falls in stock prices or provide significant income. This portfolio is all about capital gains, with dividends as an afterthought.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Weighted costs total (per year) 0.01%

The low costs are the silver lining in a portfolio that otherwise plays fast and loose with diversification and risk. With total TER at 0.01%, at least it's not bleeding money through fees. It's like finding a free ride when you've already spent all your money on lottery tickets.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

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