Roast mode 🔥

A high-flying portfolio that mistakes diversification for throwing everything but the kitchen sink in

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 is tailor-made for the adrenaline junkie of the investing world, someone who's read about diversification but interprets it through a lens of extreme sports. It's for the investor who loves the thrill of the ride more than the destination, with a risk tolerance that borders on the masochistic. This person likely views market volatility as a roller coaster rather than a threat, with a time horizon that's more focused on the next big win rather than long-term stability. It suggests a bold, if not slightly reckless, confidence in navigating the market's ups and downs without losing sleep over potential wipeouts.

Positions

  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    25.00%
  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    25.00%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares
    VEU - US9220427754
    20.00%
  • Themes Gold Miners ETF
    AUMI - US8829277008
    15.00%
  • iShares Bitcoin Trust
    IBIT - US46438F1012
    15.00%

At first glance, this portfolio seems to have taken the "diversify or die" mantra a bit too literally, with a mix that feels like someone spun a globe, threw five darts, and called it a day. You've got broad market ETFs alongside gold miners and Bitcoin, making it look like a hedge fund manager's fever dream. It's like deciding your diet will consist of only superfoods, without considering you might be allergic to half of them. While spreading investments across different assets sounds smart, this combination is less "strategically balanced" and more "confused buffet line."

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

Growth Info

Historically, this portfolio has been on a roller coaster that only goes up, sporting a CAGR that would make even the most stoic investor's eyebrows raise. But let's not forget, past performance is like rearview mirror driving—it's helpful until it isn't. With days that make up 90% of returns numbering just 19, it's clear this portfolio hits home runs but probably strikes out just as often. It's like being a one-hit wonder in the music industry; you're only as good as your last chart-topper.

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

Projection Info

Monte Carlo simulations offer a glimpse into the future, not with a crystal ball, but with a complex game of "what if." For this portfolio, the range of outcomes is wider than the Grand Canyon, suggesting that for every timeline where you're buying yachts, there's another where you're selling lemonade. It's a stark reminder that high volatility is the price of admission for potentially high returns, and this portfolio is riding the volatility rollercoaster without a seatbelt.

Asset classes Info

  • Stocks
    84%
  • Other
    15%
  • Cash
    1%
  • No data
    0%

With 84% in stocks and a mysterious 15% labeled as "Other" (here be dragons, or rather, Bitcoin and gold miners), this portfolio's asset class distribution is like a diet of steak and cotton candy. Stocks, especially when diversified across geographies and sectors, can be the backbone of growth. However, lumping in volatile assets like Bitcoin under "Other" is akin to adding rocket fuel to your car—it might work spectacularly or explode on the launchpad.

Sectors Info

  • Technology
    24%
  • Basic Materials
    17%
  • Financials
    8%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Industrials
    6%
  • Health Care
    5%
  • Consumer Staples
    4%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%

The sector allocation reads like a tech enthusiast's wishlist, with a hefty 24% in technology. This is complemented by a significant tilt toward basic materials, courtesy of those gold miners. It's as if you're preparing for both a digital future and a return to the gold standard. While tech can offer explosive growth, and gold might hedge against market downturns, this sector skew puts the portfolio at the mercy of Silicon Valley's mood swings and the glitter of gold, which historically is as stable as a house of cards in a wind tunnel.

Regions Info

  • North America
    59%
  • Europe Developed
    9%
  • Australasia
    5%
  • Asia Emerging
    4%
  • Japan
    3%
  • Africa/Middle East
    2%
  • Asia Developed
    2%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, there's a strong "America first" vibe, with a side of global wanderlust. North America takes up a lion's share, while the rest of the world seems more like an afterthought. This approach has the subtlety of a sledgehammer, potentially missing out on the nuances and opportunities found in emerging markets or even developed ones outside the US. It's a bit like saying you're a world traveler because you've been to Canada and Mexico but ignoring the other 194 countries.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    26%
  • Mid-cap
    18%
  • Small-cap
    4%
  • Micro-cap
    1%

The market capitalization breakdown shows a love affair with the big boys, with a hefty allocation toward mega and big caps. It's clear there's a preference for riding the coattails of established companies, hoping they continue to dominate their playgrounds. However, the minimal presence of small and micro-caps means missing out on potential "next big thing" opportunities. It's like always shopping at big-box retailers and ignoring the boutique stores next door; sometimes, the real treasures are in the places you least expect.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    High correlation

The love story between the Vanguard Total Stock Market Index Fund ETF Shares and the Invesco NASDAQ 100 ETF is one of high correlation, meaning they often move in tandem like synchronized swimmers. This redundancy is like owning two different brands of the same car model; they might look slightly different, but they drive the same. Diversification means not just owning different things, but owning things that behave differently. It's time to break up this asset class love affair and see other people.

Dividends Info

  • Themes Gold Miners ETF 1.00%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.12%

The dividends here are like finding loose change under the couch cushions; it's nice but won't change your life. With a total yield hovering around 1.12%, it's clear that income isn't the primary goal of this portfolio. However, for a growth-focused strategy, this is not necessarily a bad thing. Dividends can be the slow and steady tortoise in a portfolio full of hares; they might not win the race, but they'll help you sleep at night during market downturns.

Ongoing product costs Info

  • Themes Gold Miners ETF 0.35%
  • iShares Bitcoin Trust 0.12%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.13%

The costs associated with this portfolio are surprisingly reasonable, like finding a luxury car with an economy price tag. With a total TER of 0.13%, it's clear that while the asset choices are bold, the expense strategy is conservative. This is a rare moment of restraint in a portfolio that otherwise screams "go big or go home." It's like ordering a salad at a steakhouse—unexpected, but a wise choice for your financial health.

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 is like the Holy Grail of portfolio optimization, aiming for the perfect balance of risk and return. This portfolio, however, seems to have taken a detour through the land of high correlation and missed the memo on diversification benefits. It's akin to packing for a vacation with only swim trunks and ski jackets—sure, you're prepared for extremes, but you'll struggle in moderate climates. A little fine-tuning could turn this scattered collection into a well-oiled machine.

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