Hyper concentrated tech rocket pretending diversification is more than a nice word on a brochure
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 growth-obsessed, pretty comfortable with big swings, and not especially interested in sleep-friendly stability. Think long time horizon, maybe decades, and a mindset that treats volatility as background noise rather than an emergency. There’s a clear preference for innovation, tech, and the “future of everything,” with less concern about old-school ballast or global balance. It suggests confidence, maybe a touch of overconfidence, and a willingness to ride out sharp drawdowns as long as the long-term upside story still feels intact. Not ideal for anyone needing steady income, but suitable for a patient thrill-seeker with flexible plans.
Positions
-
Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
Fidelity® MSCI Information Technology Index ETF
FTEC - US3160928087 20.00% -
Communication Services Select Sector SPDR® Fund
XLC - US81369Y8527 20.00% -
VanEck Semiconductor ETF
SMH - US92189F6768 10.00%
This portfolio is basically three overlapping tech satellites orbiting one broad US stock planet, with “low diversity” screaming from the stats. Half the money is in a total US market fund, which is normally the backbone of a sensible plan. Then you pile on 20% pure tech, 20% communication services, and 10% semiconductors. That’s not diversification; that’s putting extra hot sauce on already spicy food. Compared with a plain vanilla US index mix, this thing doubles down on the same growthy drivers. Dial back the thematic tilts and let the broad market fund actually do its job instead of being drowned in tech echoes.
Growth
Historically, a portfolio compounding at 18.07% a year is the kind of number that makes people feel like geniuses. Turn $10,000 into roughly $44,000 over 10 years and suddenly “more tech” starts to sound like a personality trait, not a choice. But that max drawdown of -32.89% is the hangover reminder: when it goes down, it doesn’t tiptoe, it dives. A typical broad US index has had similar crashes, but you’ve added extra sensitivity to growth cycles. Treat past returns like yesterday’s weather: useful, not prophetic. Stress-test your comfort by imagining a 40–50% drop and asking if you’d actually sit tight.
Projection
Monte Carlo simulation is basically running thousands of “what if” timelines, like binge-watching alternate futures for your money. Here, 1,000 runs show a median result of +1,252.6% and an average annualized return of 24.15%, which is… optimistic bordering on fantasyland if you think that’s guaranteed. Even the 5th percentile at +136% looks cute, but simulations live and die by the assumptions baked in. They’re like flight simulators: great for practice, not a promise you’ll never hit turbulence. Use these numbers as a rough map, not a prophecy, and consider testing more conservative assumptions so expectations don’t outrun reality.
Asset classes
- Stocks 100%
- Cash 0%
- Other 0%
Asset classes: 100% stocks, 0% cash, 0% bonds, 0% anything else. This is the “all gas, no brakes” version of investing. For a growth profile, leaning into stocks makes sense, but this skips the entire idea of cushion or ballast. Think of bonds or other stabilizers as shock absorbers on a car; you can technically drive without them, but you’ll feel every pothole in full HD. Over long horizons, this might be okay, but it demands strong nerves and decent income flexibility. Consider whether even a modest allocation to more defensive assets would help you stay invested during nasty drawdowns.
Sectors
- Technology 46%
- Telecommunications 25%
- Financials 7%
- Consumer Discretionary 5%
- Health Care 5%
- Industrials 5%
- Consumer Staples 2%
- Energy 1%
- Real Estate 1%
- Utilities 1%
- Basic Materials 1%
Sector-wise, this is a tech-heavy mixtape: 46% technology, 25% communication services, plus a thin sprinkling of everything else for decoration. Calling this diversified is like calling a pepperoni pizza “balanced” because you tossed on two olives. You’re massively exposed to innovation cycles, regulation risk, and sentiment swings in growthy names. Compared with a broad index, you’re dialing up the volatility for the same general economic drivers. If the goal is long-term growth without monthly heart attacks, consider trimming the stacked tech and communication bets so other sectors can actually matter when the cool kids fall out of favor.
Regions
- North America 98%
- Asia Developed 1%
- Europe Developed 1%
- Asia Emerging 0%
- Latin America 0%
Geographically, this is “America or bust” with 98% in North America, and a token 2% sprinkled across developed Europe and Asia just to keep the map from looking embarrassing. You’re basically saying the US consumer, US tech, and US policy are your entire worldview. That’s worked recently, but history says leadership rotates; other regions occasionally take the wheel. Global diversification isn’t about patriotism; it’s about not letting one government, currency, or market mood own your entire financial future. Expanding outside the US, even modestly, could soften the blow if American exceptionalism takes a long vacation.
Market capitalization
- Mega-cap 42%
- Large-cap 32%
- Mid-cap 19%
- Small-cap 5%
- Micro-cap 2%
Market cap spread is surprisingly sane: 42% mega, 32% big, 19% medium, with a little 5% small and 2% micro as the chaos garnish. This actually looks like someone clicked “default settings” on a broad index, which is a rare moment of adult supervision in this portfolio. The tilt toward large and mega caps helps keep the wild ride from becoming a straight-up roller coaster of tiny speculative names. Still, given how growth-loaded you are, be aware that even the big names can behave badly in a downturn. No need to chase more tiny caps; the spice level here is already high.
Dividends
- Fidelity® MSCI Information Technology Index ETF 0.40%
- VanEck Semiconductor ETF 0.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Communication Services Select Sector SPDR® Fund 1.20%
- Weighted yield (per year) 0.90%
Total yield at 0.90% is basically a polite cough, not an income stream. Tech at 0.40% and semis at 0.30% are classic “we’d rather grow than pay you” setups. That’s fine for a growth focus, but anyone dreaming of living off this income anytime soon is kidding themselves. Broad US exposure helps a bit with the 1.1–1.2% yields, but you’re clearly betting on price appreciation, not cash in hand. If future income matters, gradually adding higher-yielding but still sensible holdings would help, instead of relying on these ultra-skinny payouts to bail out your spending plans.
Ongoing product costs
- Fidelity® MSCI Information Technology Index ETF 0.08%
- VanEck Semiconductor ETF 0.35%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Communication Services Select Sector SPDR® Fund 0.09%
- Weighted costs total (per year) 0.08%
Costs are the one part of this setup that looks like an adult was in the room. A total expense ratio around 0.08% is impressively cheap — you must have accidentally chosen the right ETFs while chasing shiny tickers. Even the “expensive” one at 0.35% is still miles below many active funds that charge steakhouse prices for fast-food performance. Low costs quietly improve long-term compounding, like a tiny tailwind you barely notice but absolutely want. Just don’t use the money saved on fees as an excuse to overcomplicate things with more overlapping, hyper-specialized funds.
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.
In risk–return terms, this thing is not exactly sitting on the Efficient Frontier; it’s more like leaning over the edge waving. The Efficient Frontier is just the best trade-off curve between risk and return — not fantasy land where you get high returns with no risk. You’ve chosen a spot with clearly elevated risk for potentially higher returns, heavily concentrated in similar themes. That can be fine for a long horizon and iron stomach, but it’s fragile if life forces you to withdraw during a slump. Nudging toward a better balance means smoothing sector, region, and asset-class tilts so each unit of risk is actually earning its keep.
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