Roast mode 🔥

A growth portfolio wearing a tech hoodie and pretending it is fully diversified adult money

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 suits someone who says “I’m in it for the long run” and mostly means it, as long as they don’t check their account during crashes. It suggests a high tolerance for volatility, strong belief in US and tech dominance, and a priority on growth over stability or income. The ideal owner is probably younger or at least far from needing the money, comfortable watching big swings, and okay with international exposure being a side dish rather than the main course. Planning is present, but with a bias toward optimism and a mild addiction to market excitement over smooth, boring compounding.

Positions

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    50.00%
  • iShares S&P 500 Growth ETF
    IVW - US4642873099
    20.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    20.00%
  • VanEck Semiconductor ETF
    SMH - US92189F6768
    10.00%

This setup is basically US stocks in a trench coat pretending to be four different ideas. You’ve got a total US market fund at 50%, then another 20% in a growth-heavy S&P slice that overlaps it, plus 10% in a semiconductor rocket booster. The “broad diversification” label technically isn’t lying, but it’s doing some creative accounting. Total market plus international already covers a ton; stacking another growth fund on top is like double-cheesing the same burger. If the goal is cleaner structure, consider slimming it down to fewer core pieces and using that freed-up slice for truly different exposure, not just another flavor of US large-cap growth.

Growth Info

A 17% CAGR sounds like the portfolio hit the cheat code, but remember: that’s mostly riding one of the best decades ever for US and tech-heavy stocks. CAGR, or Compound Annual Growth Rate, is just the average yearly speed on this roller coaster, hiding the pukey parts. That -33% max drawdown is the part where you question every life choice. A plain vanilla US benchmark did extremely well too, so the portfolio looks smart mainly because the whole US market was on fire. Past data is like yesterday’s weather: useful, but it doesn’t promise the same sunshine going forward.

Projection Info

The Monte Carlo results here look like a lottery ticket someone already scratched: median outcome above 1,000% and only 2 out of 1,000 simulations losing money. Monte Carlo just runs tons of “what if” futures using past behavior, like simulating thousands of alternate timelines. The catch: if the inputs are based on a tech-fueled golden age, the simulations are basically fan fiction. Real life throws recessions, inflation spikes, and bubbles that don’t show up nicely in historical averages. Treat those numbers as “this could be fun if the party continues,” not “guaranteed yacht.” Building in more balance and trimming concentration would make those futures a bit less fantasy-driven.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%
  • Other
    0%
  • No data
    0%

This thing is 99% stocks with a token 1% in cash, which is not “growth profile” so much as “I don’t believe in brakes.” One asset class means when stocks faceplant, everything goes down together, and there’s no bonds or other stabilizers to cushion the fall. That’s fine if the time horizon is long and the stomach is iron, but it’s brutal for anyone who panics at a 30% dip. If the aim is grown-up risk control, consider carving out a modest slice for a less volatile asset class so the portfolio doesn’t behave like a one-speed race car stuck at full throttle.

Sectors Info

  • Technology
    39%
  • Financials
    13%
  • Telecommunications
    9%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    2%
  • Real Estate
    2%
  • Utilities
    2%

Tech at 39% plus another 9% in communication services (where a lot of quasi-tech lives) plus a 10% dedicated semiconductor fund… that’s not a tilt, that’s a full-blown tech addiction. Compared to broad market indexes, this is like the S&P with a caffeine overdose. When tech does great, this will feel genius; when tech stumbles, it’ll feel like the floor vanished. Other sectors like healthcare, industrials, and defensives are present but clearly supporting characters, not leads. If the goal is resilience instead of drama, dialing back the hyper-tech tilt and letting non-glamour sectors pull more weight would calm the mood swings.

Regions Info

  • North America
    80%
  • Europe Developed
    8%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Japan
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    0%
  • Europe Emerging
    0%

Geographically, this is basically “America or nothing,” with 80% in North America and just crumbs for the rest of the planet. The international fund is doing its best with 20%, but it’s more token diversity than real global balance. This works great when the US is king; less so if the next decade favors other regions. Global investing is like not putting every life goal into one employer’s stock. Since there’s already an international piece, bumping that share up a bit or at least not layering so aggressively into extra US growth would make the portfolio less USA-or-bust.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    32%
  • Mid-cap
    15%
  • Small-cap
    4%
  • Micro-cap
    1%

Market cap-wise, this is very respectable-index-kid energy: 47% mega, 32% big, 15% medium, with small and micro caps basically an afterthought. That’s roughly how mainstream broad market funds look, so nothing wild there. But stack that with the extra growth and semiconductor exposure and you essentially have a fan club for giant, fast-growing names, not a balanced spread of company sizes. Smaller companies can add some spice and slightly different behavior, even if they’re bumpier. If someone really wants more diversification instead of just more of the same, modestly boosting mid/small-cap exposure instead of repeatedly doubling down on mega growth could add some actual variety.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    iShares S&P 500 Growth ETF
    High correlation

The correlation here is “move together, cry together.” Total US market and S&P 500 growth are highly correlated, meaning they mostly dance to the same tune. When markets drop, both fall at nearly the same time and speed, offering basically zero comfort. Correlation is simply how similarly assets move; high correlation means you own different tickers but the same story. Cutting overlapping growth-heavy US funds and using that slice for something that actually behaves differently—whether by region, asset type, or style—would do more for real diversification than just accumulating more US large-cap logos in the holdings list.

Dividends Info

  • iShares S&P 500 Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.24%

A 1.24% total yield is basically the portfolio whispering, “You’re here for growth, not income.” The growth and semiconductor pieces contribute almost nothing to cash flow, with international doing the heavy lifting. That’s fine if the plan is to let everything compound and ignore payouts for years, but it’s terrible if someone secretly expects meaningful income. Dividends can act like a small safety cushion in rough patches, but here they’re more of a rounding error. If income even vaguely matters in the next decade or two, gradually shifting a portion toward slightly higher-yielding holdings would stop this from being a pure capital-gain or bust setup.

Ongoing product costs Info

  • iShares S&P 500 Growth ETF 0.18%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

On costs, this portfolio is suspiciously reasonable. A 0.10% total expense ratio is “I actually read what an ETF is” territory. The semiconductor ETF is the priciest at 0.35%, which is basically the “fun tax” for narrow themes, but the Vanguard funds drag the average back down to sanity. Fees are like a slow leak in a tire—tiny each day but brutal over decades—so keeping them this low is a legit win. The one tweak: make sure every extra higher-fee slice is truly adding something unique. If an ETF is just duplicating exposure, even “only” 0.18–0.35% is wasted leakage.

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.

Risk versus return here is very “all gas, minimal steering.” The portfolio hugged a high return path historically, but with a -33% drawdown and heavy tech plus US bias, it’s not exactly living on the efficient frontier. The efficient frontier is just the best possible risk-return combos—a curve where, for any level of risk, you’re getting the most bang. Right now you’re paying for extra stomach-churning volatility without getting much diversification payoff, thanks to overlapping US growth exposure. Trimming the redundant pieces and adding genuinely different sources of return would likely move this setup closer to that sweet-spot curve instead of just cranking up the risk knob.

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.