Roast mode 🔥

A supposedly diversified rocket ship that somehow points at the ground and floors the throttle

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

Speculative Investors

This setup fits someone with a strong stomach, long time horizon, and a slightly overconfident streak. Think: aggressive growth chaser who loves the idea of riding market leaders and doesn’t panic easily at scary headlines. Short-term swings are tolerated, maybe even enjoyed, as part of the game. Retirement or big goals are probably 10+ years out, with a “let it ride” mindset. There’s a willingness to be heavily tied to tech and US dominance, with a side of “I like to tinker” through individual stocks. Planning for income or capital preservation clearly isn’t the priority; upside potential and staying fully in the arena are.

Positions

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    37.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    14.80%
  • Invesco S&P International Developed Momentum ETF
    IDMO - US46138E2220
    10.00%
  • Fidelity 500 Index Fund
    FXAIX - US3159117502
    9.20%
  • iShares® 0-3 Month Treasury Bond ETF
    SGOV - US46436E7186
    8.63%
  • Microsoft Corporation
    MSFT - US5949181045
    7.08%
  • Apple Inc
    AAPL - US0378331005
    3.97%
  • NVIDIA Corporation
    NVDA - US67066G1040
    3.25%
  • Nebius Group N.V.
    NBIS - NL0009805522
    3.25%
  • Iren SpA
    IRDEF
    1.31%
  • Intel Corporation
    INTC - US4581401001
    1.17%
  • Ondas Holdings Inc.
    ONDS - US68236H2040
    0.34%

This thing calls itself “highly diversified” but it’s basically a big vanilla index core wrapped in some flashy stock picks. Around 37% in total US market, 9% in S&P 500, plus Microsoft Apple NVIDIA and Intel on top is like ordering a burger then asking for four extra buns. The 10% in international momentum is your “I like shiny factors” move, and 8.6% in ultra‑short Treasuries is the panic break-glass stash. Structure-wise, it’s 90%+ equity disguised as sophisticated diversification. If the goal is aggressive growth, fine, but you could cut the copy‑paste US exposure and still get the same ride with less clutter and easier tracking.

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

Growth Info

That reported CAGR of 989% with a max drawdown of only -3.6% is… cartoon math. That’s “turned $10k into several million without breaking a sweat” territory. In real markets, you don’t get crypto-level returns with savings-account drawdowns. Something’s clearly off: short lookback, data issue, or some backtest fantasy. CAGR (Compound Annual Growth Rate) is like your average speed on a road trip; this one claims you drove at hypersonic speed without ever slowing for traffic. Treat it as noise, not evidence you’re a genius. What actually matters: this is a high‑equity, high‑beta structure, so expect real drawdowns in real life, not this -3.6% fairy tale.

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

Projection Info

The Monte Carlo results are hilariously broken in the opposite direction: 100% of simulations ending at -100% is mathematically impressive and realistically nonsense. Monte Carlo basically rolls the dice thousands of times on future returns using past stats; here it’s like someone fed it “doom only” settings. The -79.9% annualized simulated result is pure garbage-in-garbage-out. Past data is like yesterday’s weather: helpful, not prophetic, and in this case your weather station is on fire. Ignore the dramatic -100% outcomes and instead assume what it actually is: a speculative, equity-heavy setup that will swing hard with markets, both up and down.

Asset classes Info

  • Stocks
    91%
  • Cash
    9%
  • Bonds
    1%
  • Other
    0%
  • No data
    0%

Asset class split: 91% stock, ~9% cash/short Treasuries, 1% bonds. Translation: this is an equity portfolio with a tiny security blanket. Labeling this “speculative” is accurate; risk score 7 of 7 is the system politely saying “hope you like roller coasters.” If the goal is long-term growth and you can emotionally handle 30–50% drawdowns in a real crash, this is roughly aligned. If not, you’re lying to yourself. You could tame the chaos by upping true bonds or diversifying into less equity-like things, not just T-bills that barely dent volatility. Right now, it’s “go big or complain later” mode.

Sectors Info

  • Technology
    34%
  • Financials
    14%
  • Telecommunications
    9%
  • Industrials
    8%
  • Consumer Discretionary
    6%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Utilities
    3%
  • Basic Materials
    2%
  • Energy
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    1%

Sector tilt screams “Tech and Friends.” About 34% tech, with extra Microsoft, Apple, NVIDIA, Intel on top of the already tech-heavy indexes. That’s like drinking an energy drink with an espresso chaser and wondering why your heart’s racing. Financials at 14%, plus a solid spread across communications, industrials, and healthcare, actually look fairly sane. So the base is broadly diversified, while the stock picks crank the tech concentration way up. That can pay off big when tech runs, but when the sector sneezes, your portfolio catches pneumonia. Dialing back individual tech overlap would keep the broad tech exposure without double and triple stacking the same risk.

Regions Info

  • North America
    65%
  • Europe Developed
    16%
  • Japan
    3%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    0%
  • Europe Emerging
    0%

Geographic split is “America first and second, world maybe.” About 65% North America and 16% developed Europe, with tiny sprinkles of Japan and other regions. For a US-based investor, this is borderline normal, but it’s still a home-country bias. You’re basically betting the US keeps being the main character of global markets. That’s worked for decades, but it’s still a bet. The international total market and developed momentum ETF help, but they’re more side characters than co-stars. Pushing a bit more into non-US gross world exposure would make future returns less dependent on one economy and one currency continuing to be the hero forever.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    26%
  • Mid-cap
    13%
  • Small-cap
    3%
  • Micro-cap
    1%

Market cap tilt is classic “index core with a big-cap crush.” Roughly 47% mega, 26% large, then the rest dribbled into mid/small. Then you stack Microsoft, Apple, NVIDIA directly on top, which you already own through the index funds. That’s like buying a ticket to a concert and then paying extra to stand in front of the same band. It amps up single-name risk without really changing your overall style: you’re still a large/mega growth-heavy beast. If the goal is a cap-balanced approach, this misses. If the goal is to lean hard into mega-cap dominance, congratulations, you’re fully committed to the winners continuing to win.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Intel Corporation
    Fidelity 500 Index Fund
    NVIDIA Corporation
    iShares® 0-3 Month Treasury Bond ETF
    High correlation
  • Nebius Group N.V.
    Ondas Holdings Inc.
    High correlation

Correlation here is high where it matters: US index funds plus big US tech names. Correlation means assets tend to move together; if one falls off a cliff, the others usually trip too. Your “highly correlated group” combining VTI, FXAIX, NVIDIA, Intel, and hilariously even a 0–3 month Treasury ETF is telling you you’re not getting much diversification from these overlaps. Equities all dive together in crashes, and your extra tech picks magnify, not soften, that. Swapping out lookalike holdings for stuff that actually behaves differently in stress (real bonds, alternatives, more distinct regions) would give you more than just cosmetic diversification points.

Dividends Info

  • Apple Inc 0.40%
  • Fidelity 500 Index Fund 1.10%
  • Invesco S&P International Developed Momentum ETF 3.60%
  • Microsoft Corporation 0.70%
  • iShares® 0-3 Month Treasury Bond ETF 4.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 1.75%

Yield at 1.75% is saying “You’re here for growth, not a paycheck.” That’s fine if you’re in accumulation mode, but it won’t pay many bills. Microsoft and Apple toss pocket change, the international momentum ETF and international index do some heavier lifting, and the T-bill ETF is your short-term yield machine. But this is no income portfolio. If the plan is future cash flow, relying on this setup is like expecting your side hustle to cover a mortgage next month. For long-term reinvestment and compounding, the low yield is actually okay, but you’re banking on price growth, not fat dividend checks, to do the heavy lifting.

Ongoing product costs Info

  • Fidelity 500 Index Fund 0.02%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

Costs are the one area where you look suspiciously competent. Total TER around 0.05% is impressively low; you basically assembled a cheap index core and then refrained from sabotaging it with overpriced nonsense. The Invesco momentum ETF is the priciest piece at 0.25%, which is still reasonable for a factor strategy. Think of TER as the annual cover charge to stay in the game; here, you’re paying discount-club prices. The only real knock is that overlapping funds plus stock picks add complexity without meaningfully adding value. You kept fees low but then muddied the simplicity you actually paid for.

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 vs return “efficiency” here is messy. Efficient just means best trade-off between volatility and return, not fantasy “high return low risk” land. The optimization output saying a more efficient portfolio at the same risk could hit a 468% expected return while yours isn’t even showing an expected return is basically the system screaming: “You’re taking max risk but not aiming it well.” Mostly, that’s due to duplicated exposure and correlation clusters. You’re burning your risk budget on the same themes over and over instead of spreading it across truly different drivers. Clean up the overlap and you’d likely get a smoother ride for the same scariness level.

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