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A high-flying portfolio that's one bad day from a nosedive

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 is tailor-made for the adrenaline junkie who views investing as a high-stakes game of poker. It's for someone who loves the thrill of a big win but might not have fully considered the reality of a significant loss. With a risk tolerance that's off the charts and a short-term mindset, this investor is all in, banking on tech and large caps while flirting with Bitcoin and gold for excitement. It suggests a willingness to ride the rollercoaster but might lack a plan for when the ride stops.

Positions

  • AQR LARGE CAP MULTI-STYLE FUND CLASS I
    QCELX - US00203H5110
    30.00%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
    FSPGX - US31635V7293
    20.00%
  • SPDR S&P World ex US
    SPDW - US78463X8891
    20.00%
  • FIDELITY SMALL CAP VALUE FUND FIDELITY SMALL CAP VALUE FUND
    FCPVX - US3163898329
    10.00%
  • SPDR® Portfolio Emerging Markets ETF
    SPEM - US78463X5095
    10.00%
  • Fidelity Wise Origin Bitcoin Trust
    FBTC - US3159481098
    5.00%
  • GOLD PORTFOLIO GOLD PORTFOLIO
    FSAGX - US3163907807
    5.00%

At first glance, this portfolio screams "diversified", but it's more like someone tried to make a fruit salad and ended up with four types of apples. With a whopping 30% in a large-cap multi-style fund and another 20% in a large-cap growth index, it's like betting on the same horse in two different races. The attempt at international exposure and a sprinkle of Bitcoin and gold doesn't quite save it from its large-cap echo chamber. It's like diversifying your diet by eating different flavors of the same cereal.

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

Growth Info

With a historical CAGR of 24.84%, this portfolio seems to have been riding the bull market like a pro surfer. But remember, even the best surfers wipe out when the wave crashes. Relying so heavily on past performance is like driving while only looking in the rearview mirror; it works until it doesn't. And those 17 days making up 90% of returns? That's not skill; that's luck with a dash of good timing.

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

Projection Info

Monte Carlo simulations are the financial equivalent of weather forecasts for your portfolio, and this one's predicting sunny days with a chance of apocalypse. While the median projection looks like a dream retirement plan, the range of outcomes is wider than the Grand Canyon. It's vital to remember that these simulations assume the future will play out like the past, which is about as reliable as a chocolate teapot.

Asset classes Info

  • Stocks
    93%
  • Other
    6%
  • Cash
    0%
  • Bonds
    0%
  • No data
    0%

With 93% in stocks and a mysterious 6% in "Other", this portfolio is like a diet consisting of steak and mystery meat; it's heavy and hard to digest. The complete absence of bonds is like refusing to own an umbrella in Seattle because it's sunny today. Diversification across asset classes isn't just a fancy phrase; it's your financial safety net.

Sectors Info

  • Technology
    26%
  • Financials
    17%
  • Industrials
    11%
  • Telecommunications
    8%
  • Basic Materials
    8%
  • Consumer Discretionary
    7%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Consumer Discretionary
    3%
  • Energy
    2%
  • Real Estate
    2%
  • Utilities
    2%

The sector allocation here shows a tech-heavy tilt, making it vulnerable to sector-specific downturns. It's like packing for a vacation with only beachwear and realizing you're going to the Arctic. The financial and industrials spice add some flavor, but not enough to balance out the tech feast. It's a high-risk party until the tech bubble bursts.

Regions Info

  • North America
    65%
  • Europe Developed
    10%
  • Asia Emerging
    6%
  • Japan
    5%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

With 65% in North America and a token nod to the rest of the world, this portfolio has a serious home bias. It's like saying you're worldly because you once ate at an international food court. Expanding your geographic exposure is like travel; it broadens your horizons and reduces the risk of local downturns ruining your portfolio's vacation.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    20%
  • Mid-cap
    15%
  • Small-cap
    15%
  • Micro-cap
    3%

This portfolio's market cap allocation is like a middle school dance; the big kids dominate the floor, while the small and micro caps awkwardly hug the walls. With such a heavy lean on mega and big caps, you're missing out on the growth potential and diversification small and micro caps can offer. Don't be afraid to dance with the smaller companies.

Dividends Info

  • FIDELITY SMALL CAP VALUE FUND FIDELITY SMALL CAP VALUE FUND 16.10%
  • GOLD PORTFOLIO GOLD PORTFOLIO 1.60%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.30%
  • AQR LARGE CAP MULTI-STYLE FUND CLASS I 20.50%
  • SPDR S&P World ex US 2.60%
  • SPDR® Portfolio Emerging Markets ETF 2.40%
  • Weighted yield (per year) 8.66%

This portfolio's dividend yield strategy is like finding a $20 bill on a rollercoaster; it's a nice bonus, but you're not there for the money. With yields ranging wildly from 0.30% to 20.50%, it's clear that income isn't the main goal here. But don't discount dividends; they can be the steady hand in a volatile market.

Ongoing product costs Info

  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • FIDELITY SMALL CAP VALUE FUND FIDELITY SMALL CAP VALUE FUND 0.97%
  • GOLD PORTFOLIO GOLD PORTFOLIO 0.68%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • AQR LARGE CAP MULTI-STYLE FUND CLASS I 0.41%
  • SPDR S&P World ex US 0.03%
  • SPDR® Portfolio Emerging Markets ETF 0.07%
  • Weighted costs total (per year) 0.29%

Costs are under control, which is surprising given the adventurous (or haphazard) nature of the portfolio. It's like finding out the wild night out you don't remember was actually quite affordable. Kudos on keeping the TER at a modest 0.29%, but remember, even small fees eat into returns over time, like termites in a wooden house.

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.

This portfolio's attempt at risk vs. return optimization is like trying to balance on a seesaw by yourself. It's possible, but you'll spend a lot of time adjusting. The heavy reliance on past performance and high-volatility assets like Bitcoin and tech stocks could lead to an unbalanced ride. Aiming for the Efficient Frontier is noble, but this portfolio is currently bushwhacking through the wilderness.

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