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A portfolio that loves the thrill of growth but forgets the safety net

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

Growth Investors

This portfolio is tailor-made for the adrenaline junkie of the investment world. Someone who's all in for the thrill of the chase, with a high tolerance for risk and a laser focus on growth. It's for the investor who sees volatility not as a warning, but as a call to arms, ready to ride the waves of the market's ups and downs with a grin. Long-term planning may not be top of mind for this investor, as they're more captivated by the potential for immediate, eye-catching returns.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    23.96%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    13.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    10.45%
  • Vanguard Total World Stock Index Fund ETF Shares
    VT - US9220427424
    10.44%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    9.93%
  • Invesco S&P International Developed Momentum ETF
    IDMO - US46138E2220
    9.34%
  • Invesco S&P MidCap Momentum ETF
    XMMO - US46137V4648
    7.69%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    6.28%
  • Fidelity® MSCI Information Technology Index ETF
    FTEC - US3160928087
    4.24%
  • Invesco S&P 500® Momentum ETF
    SPMO - US46138E3392
    2.30%
  • VanEck Semiconductor ETF
    SMH - US92189F6768
    2.29%
  • Fidelity® Government Money Market Fund
    SPAXX - US31617H1023
    0.08%

This portfolio is like a party where mostly everyone's from the same neighborhood — heavily skewed towards growth with a love affair for the US market. It's like diversification was the plan until you walked past the tech and US equities aisle and thought, "Why not just live here?" The heavy tilt towards growth ETFs and a sprinkle of international exposure is akin to adding a dash of pepper to an already spicy dish and calling it a balanced meal.

Growth Info

Historically, this portfolio has been the life of the party with a CAGR of 16.92%, but the max drawdown of -26.18% is the hangover you didn't plan for. Those 23 days carrying 90% of your returns? That's like banking on winning the lottery to fund your retirement. High returns are great until volatility shows up uninvited and crashes your portfolio's value.

Projection Info

Monte Carlo simulations suggest you might be on to something... or you might be on something. With a 50th percentile projection of 744.5%, it seems like you're betting big on black every time. The range from 105.7% to 1,135.6% across simulations is a wild ride. Remember, relying on historical simulations is like driving by looking in the rearview mirror — useful, but not if you're trying to predict the road ahead.

Asset classes Info

  • Stocks
    100%
  • Cash
    0%
  • Unknown
    0%
  • Other
    0%
  • Bonds
    0%
  • No data
    0%

Stocks, stocks, and more stocks. With 100% of your portfolio in equities, your approach to risk is like skydiving without a parachute. Sure, the view is amazing, but what's your plan for a safe landing? A little bond or alternative asset diversification could be the parachute you're desperately going to need.

Sectors Info

  • Technology
    28%
  • Financials
    17%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Telecommunications
    7%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    1%
  • Real Estate
    1%
  • Unknown
    0%

With 28% in technology, you're not just riding the tech wave; you're trying to surf a tsunami. It's high-reward but equally high-risk. The sector allocations look like someone betting it all on red because it hit once. Remember, even the mightiest tech giants can stumble. Diversifying across sectors isn't just wise; it's survival.

Regions Info

  • North America
    79%
  • Europe Developed
    10%
  • Japan
    5%
  • Australasia
    2%
  • Asia Developed
    1%
  • Asia Emerging
    1%
  • Africa/Middle East
    1%
  • Latin America
    0%
  • Unknown
    0%
  • Europe Emerging
    0%

"America or bust" seems to be the motto here, with a staggering 79% allocation to North America. Throwing a mere 10% to developed Europe and sprinkles elsewhere is like saying you're worldly because you once ate sushi. Global diversification can reduce risk and tap into growth opportunities beyond the U.S. shores.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    22%
  • Mid-cap
    18%
  • Small-cap
    14%
  • Micro-cap
    5%
  • Unknown
    0%

Your portfolio's cap size mix is like a middle school dance; the big kids (Mega and Big caps) are dominating the floor, while the small and micro caps are awkwardly hanging around the edges. This mix leans heavily on the stability of larger companies but misses out on the growth potential that smaller companies can offer.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Invesco NASDAQ 100 ETF
    Fidelity® MSCI Information Technology Index ETF
    High correlation
  • Vanguard Total World Stock Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

Your highly correlated assets are like a choir singing the same note. Harmonious? Sure. But it's not winning any awards for complexity or depth. By holding assets that move in lockstep, you're essentially putting all your eggs in one basket, then asking why all your eggs broke when the basket falls.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.60%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Invesco S&P International Developed Momentum ETF 1.90%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.40%
  • Fidelity® Government Money Market Fund 3.10%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.35%

With an overall dividend yield of 1.35%, your portfolio isn't going to starve, but it's definitely not feasting. It's like having a diet solely based on appetizers. Sure, you're eating, but where's the substance? A more strategic approach to dividends could beef up your income stream without sacrificing growth.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • 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 NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.15%

At an average cost of 0.15%, you're not bleeding money on fees, which is one of the few conservative aspects of this portfolio. It's like finding a reasonably priced drink at an overpriced club. Good job on keeping costs low, but let's not forget the cover charge you're paying in terms of risk.

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.

Before adding another growth ETF to your collection, consider this: more of the same isn't diversification, it's duplication. Your portfolio's version of "optimization" seems to be throwing darts at a board of high-flyers. True optimization involves balancing risk and return, not just chasing the next shiny object.

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