Roast mode 🔥

A daring dive into growth and glitters with a sprinkle of crypto craze

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

Balanced Investors

This portfolio fits an adrenaline junkie with a magpie's attraction to shiny things. It's for someone who enjoys the thrill of the stock market's ups and downs, believes in the potential of alternative investments, and doesn't mind a bit of turbulence. Your risk tolerance seems high, but your strategy might be more about chasing trends than building sustainable wealth. You're the type who'd buy a lottery ticket on the way to an investment meeting — just in case.

Positions

  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    25.00%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares
    VEU - US9220427754
    25.00%
  • SPDR® Bloomberg Convertible Securities ETF
    CWB - US78464A3591
    15.00%
  • First Trust Developed Markets ex-US Small Cap AlphaDEX® Fund
    FDTS - US33737J4067
    15.00%
  • iShares® Gold Trust Micro
    IAUM - US46436F1030
    10.00%
  • iShares Bitcoin Trust
    IBIT - US46438F1012
    10.00%

Your portfolio is like a buffet that's trying too hard to impress everyone but ends up confusing the guests. On one side, you've got the hearty staples of U.S. large-cap growth and international stocks, and on the other side, there's the exotic section with convertibles, small caps, gold, and Bitcoin. It's like mixing a fine dining experience with a backyard BBQ and a treasure hunt. Diversification is great, but this seems more like a fear-of-missing-out (FOMO) strategy than a coherent investment plan.

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

Growth Info

With a historical CAGR of 30.51%, your portfolio has been on a roller coaster that somehow only goes up, which is as suspicious as it sounds. Remember, past performance is like rearview mirror glances while driving; it tells you where you've been, not where you're going. This kind of performance can make investors overconfident, ignoring the fact that what goes up can come crashing down, especially with high-volatility assets like Bitcoin.

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

Projection Info

Monte Carlo simulations throwing out a 50th percentile growth of 8,208.1% sounds like a financial fairy tale. It's important to remember that Monte Carlo is a fancy way of saying "educated guessing." These simulations can be as wildly optimistic as planning your retirement around winning the lottery. Take these projections with a grain of salt, and maybe don't start shopping for yachts just yet.

Asset classes Info

  • Stocks
    65%
  • No data
    15%
  • Other
    10%
  • Cash
    1%
  • Bonds
    0%

Your asset allocation is like a pie chart drawn by someone who loves stocks, is intrigued by shiny things, and has a complicated relationship with cash. With 65% in stocks and a flirtation with gold and Bitcoin, it's clear you're chasing growth but hedging with assets that historically zig when the market zags. Just remember, "Other" and "NotClassified" are not actual strategies.

Sectors Info

  • Technology
    17%
  • Utilities
    14%
  • Industrials
    10%
  • Financials
    9%
  • Consumer Discretionary
    8%
  • Health Care
    7%
  • Telecommunications
    5%
  • Basic Materials
    4%
  • Consumer Staples
    3%
  • Energy
    2%
  • Real Estate
    1%

Sector allocation here is like deciding your diet based on a food pyramid designed by a committee of children. Technology and utilities are your bread and butter, but then it's a free-for-all with industrials, financials, and consumer cyclicals. It's good to spread your bets, but this feels more like throwing darts blindfolded. Watch out for sector-specific risks that could turn your portfolio into a pumpkin.

Regions Info

  • North America
    43%
  • Europe Developed
    13%
  • Japan
    9%
  • Asia Developed
    6%
  • Asia Emerging
    5%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    0%
  • Europe Emerging
    0%

Geographically, you're playing it safe with a heavy lean on North America and token nods to Europe and Asia. It's like saying you love international cuisine because you once tried sushi and have a jar of pesto in the fridge. Expanding your palate could reduce the risk of indigestion from domestic market downturns.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    15%
  • Mid-cap
    13%
  • Small-cap
    7%
  • Micro-cap
    0%

Your market cap allocation is like attending a masquerade ball but only talking to guests wearing the biggest masks. You're cozy with the megacaps and big caps, which is comforting but also a bit dull. Dabbling in medium and small caps adds spice, but don't forget that smaller companies can be like the life of the party — fun until they're not.

Dividends Info

  • SPDR® Bloomberg Convertible Securities ETF 1.80%
  • First Trust Developed Markets ex-US Small Cap AlphaDEX® Fund 2.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.48%

Your dividends are whispering, not shouting, with a total yield of 1.48%. It's like having a side hustle that pays in coffee coupons rather than cash. While growth is the star of your show, don't underestimate the power of reinvesting dividends for compounding your returns. They're the slow and steady tortoise in a world of hares.

Ongoing product costs Info

  • SPDR® Bloomberg Convertible Securities ETF 0.40%
  • First Trust Developed Markets ex-US Small Cap AlphaDEX® Fund 0.80%
  • iShares® Gold Trust Micro 0.09%
  • iShares Bitcoin Trust 0.12%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.23%

You've managed to keep costs impressively low with a Total TER of 0.23%, which is like finding a parking spot in the city that doesn't cost an arm and a leg. Kudos for not letting fees eat away at your returns, but remember, cheap doesn't always mean cheerful. Ensure these low-cost ETFs align with your goals beyond just saving a few bucks.

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.

Efficiency in your portfolio seems like an afterthought, much like deciding on a workout plan after you've already run a marathon. The mix of high-growth, high-volatility assets alongside safer bets is like wearing both a belt and suspenders but forgetting pants. Striving for the Efficient Frontier, where you're not sacrificing returns for unnecessary risk, might help you dress your portfolio more appropriately.

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