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A high-octane portfolio that thinks diversification is just a fancy word for indecision

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 screams "adrenaline junkie with a penchant for shiny objects." It's tailored for the investor who views the stock market as a high-stakes poker game, where risk is just part of the thrill. With a strong bias towards growth and a noticeable appetite for volatility, this investor likely has a short-term mindset, dreaming of quick gains. The heavy tilt towards stocks, including the speculative bet on Bitcoin, suggests a risk tolerance that borders on reckless. This person is not looking to preserve capital but to multiply it, consequences be damned. The lack of fixed income or cash positions hints at a 'go big or go home' philosophy, with little room for error or market downturns.

Positions

  • Avantis U.S. Quality ETF
    AVUQ
    20.00%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    15.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    15.00%
  • Invesco S&P International Developed Momentum ETF
    IDMO - US46138E2220
    15.00%
  • Invesco S&P 500® Momentum ETF
    SPMO - US46138E3392
    15.00%
  • Avantis® Emerging Markets Value ETF
    AVES - US0250723725
    10.00%
  • Fidelity Wise Origin Bitcoin Trust
    FBTC - US3159481098
    10.00%

This portfolio resembles a buffet where the investor, overwhelmed by choices, loads up on everything spicy and ignores the bland but healthy options. With a heavy lean on ETFs across various sectors and geographies, it's as if someone said "diversify" and the investor heard "buy everything with a cool name." The inclusion of a Bitcoin ETF as the cherry on top suggests a belief in fairy tales or a deep fear of missing out on the next big thing. While the attempt at diversification is commendable, the execution feels like throwing darts blindfolded.

Warning Historical data is limited for this portfolio, which reduces the confidence in the calculated values.

Growth Info

With a CAGR of 32.03%, this portfolio's historic performance might make you feel like a Wall Street wizard, but remember, even a broken clock is right twice a day. The max drawdown of -12.80% and the fact that just 7 days make up 90% of returns scream volatility louder than a toddler in a toy store. This isn't a portfolio; it's a roller coaster that only goes up if you squint hard enough and ignore the potential for stomach-churning drops.

Warning Due to limited historical data, this may show extreme values that are not realistic.

Projection Info

Monte Carlo simulations are like weather forecasts for your portfolio, useful but not always accurate. In this case, they predict sunny days ahead with a median increase of 6,421.3%. However, relying on these numbers without a raincoat (or a more balanced portfolio) could leave you soaked in regret. The range from the 5th to the 67th percentile is wide enough to drive a truck through, indicating that this portfolio could either be a ticket to early retirement or a lesson in humility.

Asset classes Info

  • Stocks
    90%
  • Other
    10%
  • Cash
    0%
  • No data
    0%
  • Bonds
    0%

The 90% allocation to stocks and a daring 10% flirtation with Bitcoin suggest a risk appetite that's off the charts. The complete absence of bonds or cash equivalents is like going on a road trip with no spare tire or gas can. It's all fun and games until you hit a bump in the market road. This isn't diversification; it's a high-wire act without a safety net.

Sectors Info

  • Financials
    21%
  • Technology
    18%
  • Industrials
    13%
  • Consumer Discretionary
    11%
  • Telecommunications
    7%
  • Basic Materials
    6%
  • Energy
    5%
  • Consumer Staples
    4%
  • Health Care
    2%
  • Utilities
    2%
  • Real Estate
    1%

The sector allocation here is like a pie chart drawn by a toddler, where financial services and technology get the big slices because they're the most colorful. The minimal investments in healthcare, utilities, and real estate are the equivalent of begrudgingly eating your vegetables. This sector tilt doesn't just flirt with risk; it marries it, for better or for worse.

Regions Info

  • North America
    54%
  • Europe Developed
    14%
  • Japan
    6%
  • Asia Emerging
    5%
  • Asia Developed
    5%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%
  • Europe Emerging
    0%

With over half the portfolio in North America, this strategy screams "home bias" louder than an eagle at a Fourth of July parade. The token gestures towards emerging markets and developed Europe feel like adding a sprinkle of paprika to a bland dish and calling it international cuisine. This geographic allocation is a missed opportunity for true global exposure and risk management.

Market capitalization Info

  • Mega-cap
    28%
  • Large-cap
    20%
  • Mid-cap
    17%
  • Small-cap
    14%
  • Micro-cap
    9%

The market cap distribution is like attending a party where the guest list wasn't properly managed. The mix of mega, big, medium, small, and micro caps suggests an attempt at balance, but it's more like a seesaw with two heavyweights at either end. This approach can lead to unnecessary volatility, as the small and micro caps are ready to party like it's 1999, while the mega and big caps are wondering if the punch is spiked.

Redundant positions Info

  • Invesco S&P 500® Momentum ETF
    Avantis U.S. Quality ETF
    High correlation

The highly correlated assets in this portfolio are like buying different brands of the same flavored ice cream, expecting a different taste each time. The overlap between the Invesco S&P 500® Momentum ETF and the Avantis U.S. Quality ETF is a classic case of duplication without diversification, adding more calories without nutritional value. It's time to diversify your dessert options.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.30%
  • Avantis® Emerging Markets Value ETF 3.70%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Invesco S&P International Developed Momentum ETF 1.70%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Avantis U.S. Quality ETF 0.20%
  • Weighted yield (per year) 1.49%

The dividend yield strategy here is like tipping a waiter before you've seen the menu. With yields ranging from a pitiful 0.20% to a more respectable 3.70%, it's clear that income generation is an afterthought. This portfolio is more about capital appreciation, which is fine if you're not hungry. But if you're looking for your investments to feed you, you might go to bed with a grumbling stomach.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Weighted costs total (per year) 0.21%

The total expense ratio (TER) of 0.21% is like finding a designer shirt at a thrift store price — unexpectedly reasonable given the high-flying nature of the portfolio. While it's easy to get distracted by shiny performance numbers and exotic ETFs, the relatively low costs are a rare beacon of sensibility in a sea of exuberance.

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 Efficient Frontier, a concept that suggests the optimal risk-return balance, apparently took a backseat in this portfolio's construction. The current setup, with its haphazard risk-return trade-off, is like trying to balance a seesaw with elephants on one side and mice on the other. While the promise of a 42.73% return at a higher risk level might sound tempting, remember that in the world of investing, higher highs often come with lower lows.

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