Roast mode 🔥

A two-trick pony in a race it's not sure it's running

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.

What type of investor this portfolio is suitable for

Cautious Investors

This portfolio suits the thrill-seeker who loves the glitz and glam of big names and shiny objects but lacks the patience for a well-rounded strategy. It's for someone who enjoys the gamble of gold and the allure of top-tier stocks, mistaking volatility for excitement. This investor likely has a moderate risk tolerance, dreams of quick gains, and a short to medium-term outlook, but may not be prepared for the stomach-churning dips that come with such a concentrated bet.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    60.00%
  • iShares® Gold Trust Micro
    IAUM - US46436F1030
    40.00%

This portfolio seems to think it's clever by putting all its eggs into two baskets: a heavyweight S&P 500 ETF and a shiny gold trust. At first glance, it's like someone tried to make a peanut butter and jelly sandwich but forgot the bread. With 60% of the portfolio in stocks and a whopping 40% in gold, it's less diversified and more like playing financial Jenga with only two types of blocks.

Growth Info

With a historical CAGR of 15.82%, it's not all doom and gloom, but let's not start the parade just yet. This performance comes with a max drawdown of nearly 19%, suggesting that when things go south, they really pack a punch. It's like being on a roller coaster where the highs are high, but the lows have you questioning all your life choices. And those 29 days carrying 90% of your returns? That's not strategy; that's luck dressed in a business suit.

Projection Info

Monte Carlo simulations throw dice on your future, and with this portfolio, it's a mixed bag. Sure, all simulations show positive returns, but banking on an 18.10% annualized return feels like expecting to hit every green light on your way home. It's optimistic, not realistic. The reality is, with such a narrow focus, you're as likely to hit a jackpot as you are to miss out on broader opportunities.

Asset classes Info

  • Stocks
    60%
  • Cash
    0%

Stocks and gold, that's it. This portfolio treats asset classes like a diet consisting only of steak and ice cream. While both can be great, the lack of vegetables (bonds, real estate, etc.) means you're missing out on essential nutrients. This imbalance could lead to financial indigestion, especially in turbulent markets.

Sectors Info

  • Technology
    21%
  • Financials
    8%
  • Consumer Discretionary
    6%
  • Telecommunications
    6%
  • Health Care
    5%
  • Industrials
    5%
  • Consumer Staples
    3%
  • Energy
    2%
  • Utilities
    1%
  • Real Estate
    1%
  • Basic Materials
    1%

The sector spread within the stock portion is like a party where tech is the loud guest hogging the conversation. With over 20% in technology, the portfolio is riding the Silicon Valley wave, but remember, even the best parties have to end. Diversification across sectors is like having a good playlist; it keeps the party going even if one song flops.

Regions Info

  • North America
    60%
  • Europe Developed
    0%

With 60% in North America and a glaring zero in Europe or anywhere else, this portfolio has a case of home bias so strong, it probably refuses to acknowledge other continents exist. It's like going to an international food festival and only eating burgers. Broadening geographic exposure could spice things up and reduce the risk of domestic downturns.

Market capitalization Info

  • Mega-cap
    28%
  • Large-cap
    20%
  • Mid-cap
    11%
  • Small-cap
    1%

This portfolio loves the big players, with 28% in mega-caps. It's akin to only being friends with celebrities; exciting, sure, but not always the most reliable. A mix of market caps can provide stability and growth potential that our star-struck investor is currently overlooking.

Dividends Info

  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 0.66%

With a total dividend yield of 0.66%, this portfolio isn't going to make anyone rich with income. It's like having a job that pays in compliments; nice to have, but it won't pay the bills. Increasing exposure to higher-yielding assets could provide a steady cash flow, adding a cushion for rough patches.

Ongoing product costs Info

  • iShares® Gold Trust Micro 0.09%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.05%

The low total expense ratio (TER) of 0.05% is like finding a cheap flight to your dream destination. It's one of the few commendably frugal aspects of this portfolio, ensuring that costs don't eat too much into the returns. At least the portfolio gets a pat on the back for being cost-efficient.

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.

The portfolio's attempt at optimization is like trying to improve gas mileage by kicking the tires. With an optimal portfolio suggesting an 18.26% expected return for the same level of risk, it's clear there's room for improvement. It's not just about having the right ingredients but knowing how to mix them.

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.