A SoFi worship portfolio doing wheelies on a cliff edge and calling it long term planning
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
Speculative Investors
This setup screams thrill-seeking optimist with a strong stomach and a long runway. It suits someone who genuinely accepts large swings, shrugs off big red days, and is chasing big upside more than sleep-at-night stability. The likely goal is aggressive growth rather than income or capital preservation, and the time horizon implied is long enough to sit through nasty drawdowns without panicking. There’s clear conviction, maybe bordering on overconfidence, in specific stories and themes rather than a slow-and-steady plan. This is a fit for a personality that enjoys risk, can handle being wrong loudly, and isn’t relying on the capital for near-term life needs.
Positions
-
SoFi Technologies Inc.
SOFI - US83406F1021 69.97% -
Agnico Eagle Mines Limited
AEM - CA0084741085 8.41% -
American Century ETF Trust
AVLC - US0250721588 6.04% -
Alphabet Inc Class A
GOOGL - US02079K3059 5.80% -
Avantis® International Equity ETF
AVDE - US0250727031 3.37% -
Royal Bank of Canada
RY - CA7800871021 3.17% -
Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 2.14% -
Avantis® International Small Cap Value ETF
AVDV - US0250728021 1.10%
This “portfolio” is basically a SoFi shrine with a few ETFs and random stocks glued around the edges. Nearly 70% in a single speculative company means it behaves less like a portfolio and more like a personality test. Compared with a normal broad index mix, this thing is wildly lopsided and completely dominated by one narrative: “SoFi to the moon.” That’s fine for a fun side bet, not for core wealth. A healthier setup would cap any single name at a small slice and let diversified ETFs or funds do the heavy lifting, so one earnings call doesn’t rewrite your entire financial future.
Growth
A 52% CAGR looks heroic on paper — that’s “I’m a genius” territory — but the 38% max drawdown is a reminder the rollercoaster drops hard too. CAGR (Compound Annual Growth Rate) is like your average speed on a chaotic road trip: it hides all the scary moments when you almost drove into a ditch. Against a boring index, this likely crushes returns but at the cost of stomach-churning volatility. Past data is yesterday’s weather: helpful, not prophetic. The sensible move is to assume future returns will be lower and the gut-punch drawdowns will still show up, then build around that reality.
Projection
The Monte Carlo results are wild: median outcome above 12,000% and not a single losing simulation screams “model drunk on past data.” Monte Carlo is basically a money-themed weather simulator that shuffles past ups and downs to imagine possible futures. If the inputs are insanely optimistic, the outputs look like a get-rich cartoon. In real life, markets change regimes, companies stumble, and that 70% SoFi bet can turn from hero to headache fast. The practical takeaway: treat projections like a hype-filled movie trailer, then dial allocation risk to a level you could live with if returns end up boring and human instead of mythical.
Asset classes
- Stocks 100%
- Cash 0%
- Other 0%
Asset class breakdown: 100% stocks, 0% cash, 0% anything else. This is the financial equivalent of an all-energy-drink diet — sure, performance can spike, but crashes are brutal. Normal portfolios mix in bonds or defensive assets to act like shock absorbers when markets hit potholes. Here, there’s no shock absorber, just raw exposure. For someone decades from retirement, an equity-heavy mix can make sense, but this isn’t just equity-heavy, it’s equity-only, and speculative at that. A calmer structure would add at least a small slice of lower-volatility assets or keep a tiny cash buffer so volatility hurts less and forced selling during ugly markets is less likely.
Sectors
- Financials 76%
- Basic Materials 9%
- Telecommunications 7%
- Technology 2%
- Industrials 2%
- Consumer Discretionary 2%
- Energy 1%
- Health Care 1%
- Consumer Staples 1%
- Utilities 0%
- Real Estate 0%
Sector exposure is hilariously unbalanced: roughly three-quarters in Financial Services, mostly thanks to SoFi, plus a small supporting cast. This is less “diversified portfolio” and more “one big bet on money businesses not blowing up.” Add in a bit of materials, some communication and tech, and it still looks nothing like a broad index, which spreads risk across many sectors more evenly. When financials get punched — credit scares, regulations, recession fears — this portfolio is front row, no helmet. A saner approach would spread sector risk so that one industry’s bad year doesn’t become an all-hands emotional crisis.
Regions
- North America 96%
- Europe Developed 2%
- Japan 1%
- Australasia 0%
- Asia Developed 0%
- Africa/Middle East 0%
- Latin America 0%
- Asia Emerging 0%
- Europe Emerging 0%
Geographically, this thing is basically “North America or bust,” with 96% parked there and the rest as token international seasoning. It’s like saying you love “global cuisine” and then only eating burgers with a single sushi roll on the side. Most global indexes hold a meaningful slice outside the US and Canada because different regions shine at different times. Staying this concentrated means if North America stalls, you stall too. A more balanced setup would raise non‑US exposure enough that Europe, Japan, and emerging markets can actually matter, instead of just being there for decoration on a pie chart.
Market capitalization
- Large-cap 81%
- Mega-cap 12%
- Mid-cap 3%
- Small-cap 2%
- Micro-cap 1%
Market cap exposure is oddly conservative given how wild the risk score is: mostly big and mega caps, with tiny amounts in small and micro caps. So you’ve built a drag racer and then used family sedans for most of the parts, except for one neon-painted speculative engine in the middle. Small caps and micro caps are where the real chaos usually lives, yet they’re barely present. The real problem isn’t size; it’s the single-name dependency. A more coherent structure would either lean deliberately into diversified small-cap exposure for growth, or just admit this is supposed to be a higher-octane but still broadly diversified large-cap heavy portfolio.
Redundant positions
-
High correlationAvantis® International Small Cap Value ETFAvantis® International Equity ETF
Correlation-wise, the ETFs meant to diversify internationally are basically moving in the same rhythm, especially the two Avantis funds that dance together like awkward twins. Correlation just means how much things move together; in a crash, high-correlation holdings often fall at the same time, offering comfort only on the chart, not in your account. The note about removing overlapping assets is spot on: paying for multiple exposures that behave the same is like buying three umbrellas that all leak. Trimming highly correlated “me too” positions and consolidating into fewer, broader holdings would simplify things and actually improve diversification per dollar.
Dividends
- Agnico Eagle Mines Limited 0.70%
- Avantis® International Equity ETF 2.40%
- Avantis® International Small Cap Value ETF 2.70%
- American Century ETF Trust 0.90%
- Avantis® U.S. Small Cap Value ETF 1.40%
- Alphabet Inc Class A 0.30%
- Royal Bank of Canada 1.90%
- Weighted yield (per year) 0.33%
Dividend yield is basically an afterthought: around 0.33% total, which won’t even cover a decent streaming bundle. This setup is clearly built for growth thrills, not steady income. That’s fine if the plan is long horizon and high risk, but it means there’s no built-in cushion of cash flow when markets wobble. Dividends are like small rent checks from your investments; here you’re mostly betting they flip houses instead. If at some point stability or cash flow becomes a priority, this structure would need a clear shift toward more reliable and higher-yielding holdings instead of pure “hope it keeps going up” exposure.
Ongoing product costs
- Avantis® International Equity ETF 0.23%
- Avantis® International Small Cap Value ETF 0.36%
- American Century ETF Trust 0.15%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Weighted costs total (per year) 0.03%
Costs are the one surprisingly adult part of this circus: ETF fees in the 0.15–0.36% range and a total TER around 0.03% is impressively lean. It’s like you built a sketchy high-speed car but at least bought the fuel wholesale. Low ongoing costs mean more of the gains, if they show up, stay in your pocket rather than trickling out in fees. Still, low cost doesn’t fix concentration or risk. Treat this as a good foundation: the building is standing on cheap concrete, but the architecture still desperately needs work so the whole thing doesn’t tilt every time markets sneeze.
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 optimization note basically says, “You could do better with the same level of chaos.” A more efficient portfolio, in plain English, means you can get a similar or slightly higher expected return for the same or less volatility. Think of the Efficient Frontier as the sweet-spot curve where you’re not leaving easy gains on the table for the amount of fear you’re tolerating. Right now, you’re overpaying in stress for the return potential. The numbers suggest a tweak could lift expected returns a bit while holding risk steady, mainly by cutting overlap and single-name obsession and letting broader, smarter diversification carry more of the load.
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