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A high-flying portfolio with a tech fetish and a crypto gamble

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 suits the investor who loves living on the edge but insists they've done the math to back it up. High risk tolerance? Check. Dreams of fast growth? Double-check. This investor is the type to ride the tech wave with one hand on the Bitcoin tiller, all while eyeing the next big thing. They're playing 3D chess with the market, or so they think. Long-term planning might not be the priority, but they're sure having fun in the meantime.

Positions

  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    25.00%
  • Invesco S&P 500® Momentum ETF
    SPMO - US46138E3392
    25.00%
  • First Trust Developed Markets ex-US Small Cap AlphaDEX® Fund
    FDTS - US33737J4067
    15.00%
  • Fidelity® MSCI Information Technology Index ETF
    FTEC - US3160928087
    15.00%
  • iShares® Gold Trust Micro
    IAUM - US46436F1030
    10.00%
  • iShares Bitcoin Trust
    IBIT - US46438F1012
    10.00%

This portfolio is like that friend who orders a salad but with extra bacon, dressing on the side, and then a large pizza for balance. A quarter each in Schwab U.S. Large-Cap Growth ETF and Invesco S&P 500® Momentum ETF screams "I love the S&P 500 but make it spicy." Tossing in 15% apiece to developed market small caps and tech further spices the mix. The final 20% split between micro gold and Bitcoin is like opting for a mystery box in a game show—exciting but potentially regrettable.

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

Growth Info

With a historic CAGR of 38.42%, this portfolio has been on a rollercoaster that only goes up—until it doesn't. The max drawdown of -18.34% is like a reminder from the universe that gravity exists. Those 15 days making up 90% of returns? That's not investing; that's hitting the jackpot on a slot machine. Remember, past performance is like rearview mirror driving; it's only helpful until you hit something you weren't looking at.

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

Projection Info

Monte Carlo simulations suggest this portfolio could be a rocket or a dud, with a median return that makes it look like a retirement plan for a tech mogul. However, simulations are like weather forecasts for your finances—useful, but don't plan a picnic based on a sunny forecast in a hurricane season. The wide range of outcomes underscores the gamble—exciting, yes, but as predictable as a cat on caffeine.

Asset classes Info

  • Stocks
    80%
  • Other
    10%
  • Cash
    0%

This portfolio has a tech-heavy 80% in stocks, a sprinkle of gold, and a dash of Bitcoin for flavor. It's like making a cake with mostly frosting. The lack of bonds or real estate is akin to skipping the cake part entirely. While stocks and "other" can be thrilling, a little more variety wouldn't just add flavor—it might prevent a stomachache when the market gets turbulent.

Sectors Info

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

With a 34% allocation to technology, this portfolio is less diversified and more obsessed. It's like going to a buffet and only filling up on shrimp. The smattering across consumer cyclicals, industrials, and the rest feels like adding a leaf of lettuce to claim it's a balanced meal. This tech addiction could lead to heartburn if the sector takes a hit.

Regions Info

  • North America
    66%
  • Japan
    5%
  • Europe Developed
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Asia Emerging
    1%
  • Africa/Middle East
    1%
  • Latin America
    0%

With two-thirds of the allocation in North America, this portfolio has a home team bias that's strong enough to make Uncle Sam blush. The minimal dabs in Japan, Europe, and the smorgasbord of "other" regions are like saying you're worldly because you once ate at an international food court. A bit more global seasoning might help when the home market cools off.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    18%
  • Mid-cap
    15%
  • Small-cap
    8%
  • Micro-cap
    1%

Mega and big caps make up over half of this portfolio, suggesting a love for the giants. It's like preferring blockbuster movies over indie films; safer bets, but you might miss out on some gems. The small and micro allocations are like indie flicks—potentially rewarding but easy to overlook. Balancing these could ensure you enjoy both the summer hits and the cult classics.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Invesco S&P 500® Momentum ETF
    Fidelity® MSCI Information Technology Index ETF
    High correlation

The high correlation among the top three holdings is like wearing a belt with suspenders—redundant and not as stylish as you think. This overemphasis on similar assets doesn't add diversification; it's more like doubling down on your favorite lotto numbers. Spreading the bets around could reduce the risk without sacrificing potential returns.

Dividends Info

  • First Trust Developed Markets ex-US Small Cap AlphaDEX® Fund 2.90%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Weighted yield (per year) 0.74%

With a total yield of 0.74%, this portfolio isn't exactly a dividend darling. It's more like keeping a pet rock for companionship; sure, it's low maintenance, but don't expect much affection. For those relying on income, a little more yield might not just be nice—it could be necessary.

Ongoing product costs Info

  • First Trust Developed Markets ex-US Small Cap AlphaDEX® Fund 0.80%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • iShares® Gold Trust Micro 0.09%
  • iShares Bitcoin Trust 0.12%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Weighted costs total (per year) 0.20%

The totalTER of 0.20% shows some cost efficiency, like finding a designer suit at a discount—smart, but let's not pretend we're here for the bargains. The First Trust Developed Markets ex-US Small Cap AlphaDEX® Fund at 0.80% is the portfolio's designer label, costly but perhaps worth it for the flair it adds. Still, keeping an eye on costs is crucial; after all, even small leaks can sink a big ship.

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 efficient frontier might be more of an efficient suggestion. The high correlation among key assets suggests a "more of the same" strategy rather than a diversified approach. It's like insisting on only using one club in golf; sure, you might get good with it, but you're limiting your game. A little optimization could turn this from a one-trick pony into a decathlon champion.

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