A tech obsessed rocket ship praying history repeats while diversification cries softly in the corner
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 setup fits someone who’s pretty fearless, convinced in long-term equity growth, and mildly allergic to the word “diversification.” The implied personality: comfortable with big drawdowns, obsessed with upside, and likely early enough in their journey to ride out storms. Goals probably lean toward aggressive wealth building rather than steady income, with a time horizon measured in decades, not years. There’s a hint of gambler here, but a somewhat informed one — willing to bet heavily on tech and US dominance, yet cost-conscious enough not to get fleeced on fees. This is for someone who watches markets for sport and can emotionally survive a 40–50% drop without hitting the panic sell button.
Positions
-
Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 55.00% -
Vanguard S&P 500 ETF
VOO - US9229083632 35.00% -
iShares Bitcoin Trust
IBIT - US46438F1012 5.00% -
NVIDIA Corporation
NVDA - US67066G1040 5.00%
This setup is basically “S&P 500 with a tech energy drink and a side of Bitcoin.” Over half in a tech index, another big chunk in a broad US index that’s already tech-heavy, then a meme garnish of NVIDIA and Bitcoin. For a growth profile, the enthusiasm is on-brand, but this is one-note diversification dressed up as sophistication. You’ve stacked variations of the same theme instead of building a band. In plain terms, if US large-cap growth sneezes, your whole portfolio catches pneumonia. A cleaner structure would separate true growth tilt from core exposure and add at least one ballast component that doesn’t panic every time the Nasdaq does.
Growth
Historically, a 25.4% CAGR is absurdly good — that’s “I definitely picked the right decade” territory. If $10k had been invested, it would have grown like you were cheating, especially versus a plain S&P 500 that would have lagged noticeably. But here’s the catch: past returns are like your high school glory days — nice stories, not a life plan. Tech dominance and low rates handed this portfolio a favorable script that may not repeat. Instead of assuming the next 10 years will rhyme, stress-test the idea that returns normalize sharply and build in assets that don’t rely on tech perfection to function.
Projection
The Monte Carlo output here looks like it was generated by a very optimistic fortune cookie. Monte Carlo simply means running thousands of “what if” paths using past-like stats to see how often things work out. A median result north of 7,000% and an average simulated return of nearly 44% screams “this is what happens when you feed a model the best decade for tech ever.” Past data is like yesterday’s weather — useful, but not a prophecy. Treat those wild upside numbers as a boundary of what *could* happen, not a baseline. Dial back your expectations and balance the portfolio so decent outcomes don’t rely on tech having a repeat performance of 2010–2023.
Asset classes
- Stocks 95%
- Other 5%
- Cash 0%
Asset classes here are basically: stocks, more stocks, and a little “Other” that is just Bitcoin in a trench coat. Ninety-five percent equity and zero cash or bonds is not growth, it’s full-send. For someone far from retirement, that can be workable, but calling this “Growth” instead of “Aggressive” is polite fiction. The 5% Bitcoin piece is just adding extra swing to an already bouncy setup. To calm this down, consider adding a genuine stabilizer: something that usually doesn’t tank in sync with stocks, even if it drags down the so-far-awesome headline returns. The goal is to avoid a future where “growth” feels like “roller coaster with no seatbelt.”
Sectors
- Technology 71%
- Financials 5%
- Telecommunications 4%
- Consumer Discretionary 4%
- Health Care 3%
- Industrials 3%
- Consumer Staples 2%
- Energy 1%
- Utilities 1%
- Real Estate 1%
- Basic Materials 1%
Tech at 71% is not a tilt, it’s an addiction. The rest of the sectors are pocket change scattered around for decoration: a few percent in financials, some healthcare, smidges of everything else. Since the S&P 500 already leans heavily toward tech and tech-adjacent names, stacking a dedicated tech ETF on top turns this into a sector bet, not a broad equity strategy. When tech wins, you look like a genius; when it takes a breather, you look like a cautionary tale. Easing the tech overload and spreading more meaningfully into less correlated sectors would turn this from “single bet” into something resembling an actual portfolio.
Regions
- North America 94%
- Europe Developed 0%
- Asia Emerging 0%
- Asia Developed 0%
- Latin America 0%
Geography-wise, this is “America or bust” at 94% North America. For a US-based investor, a home bias is normal, but this is more like home *obsession*. You’re basically saying the entire rest of the world is an optional DLC pack. That works great when US megacap tech is dominating, but there are long stretches in history where non-US markets quietly outperform. International exposure is like having a second income stream: maybe it’s not the star every year, but it keeps you from being totally dependent on one economy, one currency, and one political system. Even a modest non-US slice would cut the “USA monoculture” risk without wrecking the growth story.
Market capitalization
- Mega-cap 49%
- Large-cap 26%
- Mid-cap 13%
- Small-cap 5%
- Micro-cap 2%
Market cap spread here is at least not insane: roughly half mega, a big chunk large, then some mid, small, and tiny (micro). But let’s be honest — this isn’t a thoughtful size strategy, it’s just what happens when you buy broad US indexes and tech-heavy funds. The mega and big caps drive the bus, the rest just rattle around in the back. That means your fate is tied to giant US names behaving well. If you actually wanted a size tilt, you’d emphasize smaller companies more deliberately; if not, you might simplify and make sure the cap mix is a byproduct of your plan, not of you clicking whatever looked shiny on the fund menu.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard S&P 500 ETF 1.10%
- Weighted yield (per year) 0.60%
A 0.6% yield is “don’t quit your day job” income. This is a growth engine, not a paycheck machine, which is fine if the main goal is maximizing long-term upside and you’re not relying on dividends to fund anything. Tech funds are naturally light on dividends, so that number makes sense — it just underlines how dependent you are on price appreciation. If you ever shift toward needing cash flow, this setup will feel like owning a bunch of high-value but non-paying trophies. Future tweaks could gradually introduce more income-oriented holdings so that eventually you’re not forced to sell shares every time you want money for real-life expenses.
Ongoing product costs
- iShares Bitcoin Trust 0.12%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.07%
Costs are the one part of this portfolio that scream “responsible adult.” A total expense ratio of around 0.07% is impressively low — you basically refused to tip Wall Street. That’s genuinely good: low fees mean more of your gains stay with you instead of subsidizing someone’s Manhattan office. Even the Bitcoin piece isn’t wildly overpriced by crypto ETP standards. But cheap doesn’t mean smart; a low-cost, badly structured portfolio is still badly structured. Keep the fee discipline, just pair it with better risk control and diversification so you’re not saving a few basis points only to give back years of returns in the next tech wreck.
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 like driving a sports car in the rain with bald tires — fun until it isn’t. The optimization data quietly says, “You could get more expected return for the same risk, and you’re leaving efficiency on the table.” The Efficient Frontier is just the nerdy way of saying “best bang for your risk buck.” Right now, you’re paying for a lot of volatility without squeezing out the maximum expected reward that a smarter mix could deliver. Tweaking the blend of assets — especially toning down sector and geography clumping — could land you closer to that frontier, where every unit of risk actually earns its keep instead of just boosting drama.
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