A high-octane portfolio riding the tech wave with a side of Bitcoin spice
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 fits a daredevil investor, thrilled by the prospect of high returns with an appetite for risk that would make a stunt pilot blush. It's tailored for someone who prefers tech trends over traditional diversification and views volatility as just another word for opportunity. The short-term mindset shines through, with a clear focus on growth over stability. This investor likely sees retirement as an opportunity to double down, not wind down.
Positions
-
FIDELITY ZERO LARGE CAP INDEX FUND
FNILX - US3159116280 65.00% -
VanEck Semiconductor ETF
SMH - US92189F6768 17.50% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 12.50% -
iShares Bitcoin Trust
IBIT - US46438F1012 5.00%
At first glance, this portfolio screams "tech enthusiast with a gambling streak," allocating a whopping 65% to a large-cap index fund that's likely tech-heavy, 17.5% to a semiconductor ETF (because why not double down on tech?), and a cheeky 5% to Bitcoin, just in case the rest wasn't risky enough. The "broadly diversified" claim feels like calling a pizza with three types of pepperoni a balanced meal. Sure, there's a nod to international stocks, but it's more of a polite gesture than a meaningful diversification effort.
Historical data is limited for this portfolio, which reduces the confidence in the calculated values.
Growth
With a CAGR of 28.05%, this portfolio has been on a tear, likely fueled by the tech sector's recent bull run. But remember, past performance is like riding a rollercoaster blindfolded; just because you haven't been thrown off yet doesn't mean it can't happen. The max drawdown of -21.01% should be a wake-up call. It's like enjoying the party but ignoring the hangover that inevitably follows.
Due to limited historical data, this may show extreme values that are not realistic.
Projection
The Monte Carlo simulation, with its optimistic 50th percentile projection of over 10,024.6% return, seems like it's been smoking something strong. While simulations are useful, they're not crystal balls. Betting the farm on such sunny forecasts is like planning your retirement around winning the lottery. It's crucial to remember these are just simulations, not guarantees.
Asset classes
- Stocks 95%
- Other 5%
- Cash 0%
- No data 0%
With 95% in stocks and a daring 5% in Bitcoin, this portfolio is as balanced as a unicycle. The total absence of bonds, real estate, or any other diversifying assets leaves you riding the highs and lows of the stock market with little to cushion the fall. This is not so much a diversified portfolio as it is a bet on a few specific sectors.
Sectors
- Technology 42%
- Financials 12%
- Telecommunications 7%
- Industrials 7%
- Health Care 7%
- Consumer Discretionary 7%
- Consumer Staples 4%
- Energy 3%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
- Consumer Discretionary 1%
The sector allocation reads like a Silicon Valley wishlist: 42% in technology alone. While tech has been a stellar performer, putting nearly half your eggs in one sector basket is like betting on black because it hit the last few spins. The underrepresentation of other sectors leaves the portfolio vulnerable to any tech downturns.
Regions
- North America 80%
- Europe Developed 6%
- Asia Developed 3%
- Asia Emerging 2%
- Japan 2%
- Australasia 1%
- Africa/Middle East 0%
- Latin America 0%
- Europe Emerging 0%
With 80% allocated to North America, this portfolio wears its home bias on its sleeve. The smattering of international exposure is like adding a dash of pepper to an otherwise bland dish; it's there, but it's not going to change the flavor profile much. Expanding geographic diversity could help smooth out the ride.
Market capitalization
- Mega-cap 43%
- Large-cap 34%
- Mid-cap 16%
- Small-cap 1%
- Micro-cap 0%
The focus on mega and big caps (77% combined) suggests a play-it-safe strategy within an otherwise aggressive portfolio. It's akin to wearing a helmet while riding a motorcycle at 200 mph. Sure, it's safer than not wearing one, but you're still on a motorcycle going 200 mph. A sprinkle of small and micro caps wouldn't hurt for growth potential.
Dividends
- FIDELITY ZERO LARGE CAP INDEX FUND 0.90%
- VanEck Semiconductor ETF 0.30%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 0.99%
A total yield of 0.99% is hardly something to write home about. This portfolio is clearly not designed for income-seeking investors. It's more about growth, which is fine, but remember, dividends can provide a steady income stream and a cushion in volatile markets. Don't underestimate their value.
Ongoing product costs
- iShares Bitcoin Trust 0.12%
- VanEck Semiconductor ETF 0.35%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
With a total expense ratio (TER) of 0.07%, at least you're not bleeding money on fees. It's like finding a cheap, fast car; it gets you where you're going without costing an arm and a leg. Kudos for keeping costs low, but remember, even the cheapest ride can crash if driven recklessly.
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.
Efficiency isn't just about high returns; it's about the balance between risk and reward. This portfolio, while thrilling, is akin to strapping a jet engine on a go-kart; impressive speed, but questionable safety features. Seeking a better risk-return mix could prevent a crash landing.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
