Roast mode 🔥

A portfolio that's more vanilla than a scoop of plain ice cream on a white bread sandwich

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 perfect for someone who likes the illusion of diversity with a side of safety, but secretly enjoys the thrill of the gamble. It's for the investor who thinks they're wearing a diversified wardrobe but is actually just layering different shades of beige. You've got a taste for growth but a cautious approach to seasoning your investments. Your risk tolerance is like a bungee jumper who double-checks the cord but closes their eyes during the jump. The goal seems to be growth, with a time horizon that's hoping for the best but not necessarily prepared for the worst.

Positions

  • John Hancock Variable Insurance Trust 50
    JFIVX
    50.00%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
    VIGAX - US9229086601
    20.00%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
    VTIAX - US9219098186
    20.00%
  • John Hancock Var Ins Tr Mid Cap Index Tr
    JECIX
    7.00%
  • VANGUARD SMALL-CAP VALUE INDEX FUND ADMIRAL SHARES
    VSIAX - US9219376863
    3.00%

Half your portfolio is lounging comfortably in the John Hancock Variable Insurance Trust, making it look like you've mistaken investing for a trust fund picnic. With a heavy lean on just a few funds, your "moderately diversified" portfolio is about as balanced as a unicycle. Spreading the love a bit more might prevent a future financial faceplant.

Growth Info

Boasting a CAGR of 12.85% sounds impressive until you realize that a significant chunk of your returns came from fewer than 30 days. That's like saying you're a great cook because you didn't burn the toast... once. Sure, the past looks rosy, but relying on a few good days is like expecting lightning to strike the same spot every time you need a charge.

Projection Info

Monte Carlo simulations are like weather forecasts for your money, showing a range of possible futures rather than a crystal ball prediction. Your portfolio's 50th percentile projection at 263.1% growth is optimistic, but the 5th percentile at a -0.5% loss is like a financial cold shower. It's a reminder that not all simulations end in a champagne shower, highlighting the need for diversification beyond your current comfort zone.

Asset classes Info

  • Stocks
    42%
  • Cash
    1%
  • Other
    0%
  • Not Classified
    0%

You've got 42% in stocks and a mysterious 1% in cash, making it seem like you're trying to play it safe by keeping a dollar under your mattress. This asset allocation is as adventurous as ordering vanilla ice cream at a gourmet restaurant. Consider branching out a bit to give your portfolio some actual flavor.

Sectors Info

  • Technology
    13%
  • Financials
    7%
  • Consumer Discretionary
    5%
  • Industrials
    5%
  • Telecommunications
    4%
  • Health Care
    3%
  • Consumer Staples
    2%
  • Basic Materials
    2%
  • Real Estate
    1%
  • Energy
    1%
  • Utilities
    1%

Your sector spread is like a buffet where half the trays are empty. Yes, you've got a slice of everything, but with technology gobbling up 13% and utilities barely getting a seat at the table, your portfolio's sector diet is in dire need of some rebalancing. It's time to diversify your plate before the market's next dietary trend hits.

Regions Info

  • North America
    25%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    0%
  • Europe Emerging
    0%

Your geographic allocation is so heavily skewed towards North America, it's as if you think the rest of the world is still uncharted territory. With only token nods to other regions, you're missing out on a world of opportunity. It's a big investment globe out there—time to spin the globe and place a few more bets.

Market capitalization Info

  • Mega-cap
    22%
  • Large-cap
    11%
  • Mid-cap
    6%
  • Small-cap
    3%
  • Micro-cap
    0%

Your market cap allocation is like believing only giants or toddlers should play in the stock market playground, with a hefty 22% in mega-caps and a timid 3% in small-caps. This strategy overlooks the scrappy middle kids who often outmaneuver the big guys during recess. A more inclusive approach might just score you some unexpected wins.

Redundant positions Info

  • John Hancock Variable Insurance Trust 50
    VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
    High correlation

Highly correlated assets in your portfolio are like having twins on the same sports team: when one scores, so does the other, but when one falls, they both scrape their knees. Your John Hancock and Vanguard Growth fund duo are practically wearing the same jersey. Mixing in some players from different teams might just win you the championship.

Dividends Info

  • John Hancock Var Ins Tr Mid Cap Index Tr 4.50%
  • John Hancock Variable Insurance Trust 50 0.90%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.30%
  • VANGUARD SMALL-CAP VALUE INDEX FUND ADMIRAL SHARES 1.60%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 2.10%
  • Weighted yield (per year) 1.29%

Your dividend yield strategy is like expecting a lemonade stand to pay for college. With an overall yield of just 1.29%, you're barely squeezing any juice out of your investments. It might be time to look for some juicier opportunities or at least rebalance so you're not relying on pocket change for income.

Ongoing product costs Info

  • John Hancock Var Ins Tr Mid Cap Index Tr 0.04%
  • John Hancock Variable Insurance Trust 50 0.04%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.05%
  • VANGUARD SMALL-CAP VALUE INDEX FUND ADMIRAL SHARES 0.07%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 0.09%
  • Weighted costs total (per year) 0.05%

Congratulations, your portfolio costs are so low, it's like you're the one person at the buffet who only eats salad. With a total TER of just 0.05%, you're not letting fees eat away at your returns, which is about the only thing you're doing with the precision of a dieting monk. Now, if only the rest of your portfolio decisions were as lean and mean.

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.

Your portfolio's current state of "optimization" is akin to throwing darts blindfolded and hoping for a bullseye. The heavy overlap between your John Hancock and Vanguard Growth funds is like buying the same song on iTunes twice. You're not getting the diversification melody you think you are. It's time to remix your assets for a chart-topping performance.

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