Roast mode 🔥

A growth portfolio trying to be clever but mostly just hugging the S&P 500 really hard

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 structure fits someone who’s clearly comfortable with risk, believes in long-term equity growth, and is willing to ride out ugly drawdowns with some grumbling but without bailing. The personality behind this probably likes simple, scalable solutions, but can’t resist a few “smart tweaks” like semis and small-cap value to feel more intentional. The time horizon implied is long — think decade-plus — because a short-term investor would panic the first time this drops 30% in a hurry. This setup suits a goal like long-term wealth building or retirement, not near-term spending, and assumes a level head when the market decides to test everyone’s patience.

Positions

  • State Street® SPDR® Portfolio S&P 500® ETF
    SPYM - US78464A8541
    55.00%
  • iShares S&P 500 Growth ETF
    IVW - US4642873099
    25.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    10.00%
  • VanEck Semiconductor ETF
    SMH - US92189F6768
    10.00%

This setup is basically the S&P 500 wearing three slightly different outfits and a semiconductor cape. Over half in a plain S&P 500 ETF, another quarter in S&P 500 growth, plus a chunky semiconductor slice means there’s heavy overlap masquerading as sophistication. The small-cap value at 10% is the only real curveball, but it’s too small to matter much against the giant S&P blob. Structurally, this is closer to “spiced-up index fund” than a truly thought-out mix. A cleaner layout would use one core broad fund as the main engine, then a couple of focused satellites that actually change risk and return instead of just duplicating the same stuff.

Growth Info

CAGR at 19.69% screams “you lived through a turbo-charged bull run,” not “you built the perfect portfolio.” CAGR, or Compound Annual Growth Rate, is just the smooth average speed of your money over time, and this speed has clearly been downhill with a tailwind. But that max drawdown of -34.03% shows the other side: when markets crack, this thing falls like a proper equity-heavy portfolio. Lump $10,000 in at the start of a strong decade and you’d feel like a genius; do it right before a crash and you’d question every life choice. Past data is like yesterday’s weather: useful, but absolutely not a guarantee.

Projection Info

The Monte Carlo results look like a lottery ticket someone tried to justify with math. Monte Carlo simulation just runs thousands of what-if market paths, shaking returns like dice to see where you might end up. A median result of +1,450% and average annualized 25.8% is not “normal investing”; that’s “if the past decade’s party keeps going with free drinks forever.” The 5th percentile at +201% is also weirdly generous. Real markets have recessions, bored sideways years, and dumb bubbles. A more grounded view would assume lower returns with the same risk, then ask whether this all-equity tilt still fits your time horizon and stress tolerance if the next decade looks more like mud than rocket fuel.

Asset classes Info

  • Stocks
    45%
  • Cash
    0%

Asset classes: 45% stocks and apparently 0% everything else, which is bold or reckless depending on age and sleep quality. There’s no bonds, no real estate, no cash buffer — just pure equity exposure and vibes. For a growth profile, being stock-heavy is normal; being stock-only is “I’ve never seen a real bear market… or I’ve forgotten.” Different asset classes behave like different instruments in a band: all guitars sounds great in a solo, less great in a storm. Adding even a modest slice of something stabilizing can smooth the ride so one ugly year doesn’t smash the whole long-term plan.

Sectors Info

  • Technology
    23%
  • Financials
    5%
  • Telecommunications
    5%
  • Consumer Discretionary
    4%
  • Industrials
    3%
  • Health Care
    2%
  • Energy
    2%
  • Basic Materials
    1%
  • Consumer Staples
    1%
  • Real Estate
    0%
  • Utilities
    0%

Tech at 23% plus a dedicated semiconductor ETF says this portfolio has a silicon addiction. Then there’s some light seasoning in financials, communication services, and cyclicals, but the backbone is “if chips do well, everything’s awesome.” That’s fun when AI, data centers, and gadgets are hot; it’s brutal when cycles turn and everyone remembers semis are extremely boom-bust. Sectors are like friend groups: if they all go to the same party, they’ll all leave together when it gets bad. A more balanced mix across boring sectors (defensive, utilities, real estate, etc.) would make this less of a bet on a single theme dressed up as diversification.

Regions Info

  • North America
    43%
  • Asia Developed
    1%
  • Europe Developed
    1%
  • Latin America
    0%
  • Asia Emerging
    0%
  • Africa/Middle East
    0%

Geographically, this is pure “America or bust,” with North America dominating and everyone else tossed a pity 1%. It’s like assuming the rest of the planet is just background NPCs to the US market. That’s worked surprisingly well at times, but concentration in one region also means you’re handcuffed to its politics, regulation, and currency. Global exposure isn’t about patriotism; it’s about not letting one country’s problems dictate your entire life savings. Even a modest chunk outside home turf can help when US markets are flat, overvalued, or throwing tantrums, and it gives a slice of growth from regions that aren’t just replaying the S&P with worse branding.

Market capitalization Info

  • Mega-cap
    22%
  • Large-cap
    11%
  • Micro-cap
    5%
  • Small-cap
    5%
  • Mid-cap
    2%

The market cap mix is basically “big stuff plus a sprinkle of chaos.” Mega and big caps dominate, which is fine — that’s how cap-weighted indexes roll. The 10% in small-cap value via Avantis plus 5% micro/small overall is the only real tilt away from the usual giants. But at this size it’s more of a personality trait than a real structural shift. Market cap allocation is like choosing between blue-chip giants and scrappy underdogs: underdogs can boost long-term returns but also faceplant more often. If the intent is a meaningful small-cap/value tilt, the current slice is a bit half-hearted; if the intent is stability, it’s already noisy enough.

Redundant positions Info

  • State Street® SPDR® Portfolio S&P 500® ETF
    iShares S&P 500 Growth ETF
    High correlation

Your S&P 500 ETF and S&P 500 Growth ETF are like siblings who dress differently but react exactly the same when the market slaps them. High correlation means they move almost in lockstep, so owning both doesn’t magically diversify anything — it just adds layers of the same risk. Correlation is basically how often assets freak out together. When everything jumps off the same cliff, your “diversification” is just three flavors of falling. Trimming overlapping pieces and replacing them with stuff that actually behaves differently in crashes would do far more for risk control than stacking more nearly identical US large-cap growth exposure.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.40%
  • iShares S&P 500 Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.30%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.10%
  • Weighted yield (per year) 0.88%

A total yield of 0.88% says this portfolio is firmly in the “I don’t care about cash flow, just give me growth” camp. That’s consistent with growth ETFs and semiconductors, which prefer reinvesting in their own hype rather than paying you regularly. Nothing wrong with a low yield at an early or mid stage of wealth-building — price returns matter more anyway. But if income is even a tiny goal, this setup is giving almost nothing back unless you sell shares. Dividends are like small regular snacks; here you’re basically fasting and hoping the main meal later is massive. If future income matters, a small shift toward more cash-generating holdings would help.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares S&P 500 Growth ETF 0.18%
  • VanEck Semiconductor ETF 0.35%
  • Weighted costs total (per year) 0.10%

Costs are the one area where this thing is actually pretty disciplined. A total TER around 0.10% is impressively low considering one holding charges 0.35%. TER, or Total Expense Ratio, is just the annual leak from your bucket going to fund managers’ coffee habits. You’ve mostly picked cost-aware ETFs, which is quietly one of the biggest long-term performance boosts you can control. Still, if two funds are doing almost the same job, you’re paying twice to get one result. Simplifying overlapping positions with similar exposure can keep costs low, reduce clutter, and make it easier to see what risk you’re actually taking.

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 basically “all gas, minimal steering.” You’re sitting in a high-equity, tech-tilted, US-heavy setup with a chunky -34% historical drawdown, chasing equity-like or better returns. The question isn’t whether it can grow — clearly it can — but whether the volatility is pulling its weight. Efficient Frontier (fancy term) just means finding a mix that gives the most return per unit of pain. Right now, the pain is high and the extra return over a simple, single cheap core fund is questionable. Cleaning up duplicates, dialing down the semiconductor obsession, and adding one or two stabilizing elements could push the portfolio closer to a smarter risk–reward sweet spot.

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