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A daring dive into growth funds with a side of unnecessary complexity

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 tailor-made for the adrenaline junkie investor who dreams of rapid growth and isn't afraid of a few nightmares along the way. It suggests a high risk tolerance, a focus on long-term gains, and perhaps a touch of optimism bordering on naivety. Ideal for someone who equates investing with climbing Everest without an oxygen tank – thrilling, potentially rewarding, but not for the faint-hearted.

Positions

  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
    VIGAX - US9229086601
    70.00%
  • John Hancock Variable Insurance Trust 50
    JFIVX
    10.00%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
    VTIAX - US9219098186
    10.00%
  • John Hancock Var Ins Tr Mid Cap Index Tr
    JECIX
    7.00%
  • VANGUARD SMALL-CAP VALUE INDEX FUND ADMIRAL SHARES
    VSIAX - US9219376863
    3.00%

At first glance, this portfolio looks like someone tried to make a fruit salad but ended up with four types of apples and a lone orange. With 70% in the Vanguard Growth Index Fund, it's clear where the allegiance lies. Diversification seems more like an afterthought rather than a strategy, with token gestures towards international, mid-cap, and small-cap value funds. This composition screams "I heard growth is good" without much thought on balancing or true diversification.

Growth Info

With a CAGR of 15.13%, this portfolio might seem like it's on steroids at first glance. But let's not get carried away; even a broken clock is right twice a day. The max drawdown of -33.26% should be a wake-up call that this growth-fueled ride isn't always smooth. It's like enjoying the roller coaster's highs but forgetting about the inevitable drops. Benchmark it against a more diversified index, and you might start questioning your life choices.

Projection Info

Monte Carlo simulations are like playing financial fortune-telling, offering a glimpse into the portfolio's future under different scenarios. With a median projected growth of 246.8%, it sounds fantastic, but remember, simulations are as reliable as weather forecasts for next year. The wide range between the 5th and 67th percentiles suggests this portfolio could either be a ticket to early retirement or a lesson in humility. Betting heavily on growth might feel like a no-brainer until the market decides to teach you otherwise.

Asset classes Info

  • Stocks
    83%
  • Cash
    0%
  • Other
    0%
  • Not Classified
    0%

With 83% in stocks and the rest presumably in hopes and dreams, this portfolio is all-in on equity. While equities are great for growth, this approach is like trying to win a marathon with sprinter's shoes; it's not wrong, but you're going to feel every pebble along the way. A smidgen of bonds or real estate could smooth out the ride without sacrificing too much growth potential.

Sectors Info

  • Technology
    37%
  • Consumer Discretionary
    12%
  • Telecommunications
    10%
  • Financials
    8%
  • Industrials
    5%
  • Health Care
    5%
  • Consumer Staples
    2%
  • Real Estate
    2%
  • Basic Materials
    1%
  • Energy
    1%
  • Utilities
    0%

Tech-heavy and proud, this portfolio leaps into the future with 37% in technology. It's like betting on black in roulette because it hit the last few times. Sectors like consumer cyclical and communication services add a bit of flavor, but it's mostly tech with different seasoning. In a world where sector rotation happens, this could leave you high and dry when the market's tastes change.

Regions Info

  • North America
    74%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    0%
  • Africa/Middle East
    0%
  • Latin America
    0%
  • Europe Emerging
    0%

"America or bust" seems to be the motto here, with a staggering 74% in North America. The nod towards international diversification feels more like a diplomatic gesture than a strategy. It's like saying you're adventurous for adding pepper to your mashed potatoes. Expanding the geographic palate could reduce home bias and tap into global growth opportunities, making for a more well-rounded investment diet.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    19%
  • Mid-cap
    11%
  • Small-cap
    2%
  • Micro-cap
    0%

The mega and big cap love affair here is palpable, making up 69% of the portfolio. It's like going to a buffet and only filling up on bread and water. Sure, you won't go hungry, but you're missing out on the flavors. Dabbling more in medium, small, or even micro caps could spice things up, potentially boosting returns while adding a bit more risk to the mix.

Redundant positions Info

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

The high correlation between the John Hancock Variable Insurance Trust 50 and the Vanguard Growth Index Fund is like wearing two watches; it might give you a sense of security, but it's hardly efficient. This redundancy doesn't add value but rather clutters the portfolio with overlapping assets. Simplifying the selection could enhance performance without sacrificing diversification.

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) 0.87%

With a total yield hovering around 0.87%, this portfolio isn't winning any awards for income. It's like having a job that pays in experience; nice, but it won't pay the bills. While growth is the main game, incorporating a few higher-dividend options could provide a cash flow cushion for rebalancing or weathering market downturns without sacrificing the growth trajectory.

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%

The total TER of 0.05% is surprisingly reasonable, showing at least one area where efficiency wasn't sacrificed on the altar of growth. It's like finding a designer dress at a thrift store price; a good deal, but it doesn't mean it fits your wardrobe needs perfectly. Keeping costs low is commendable, but it's not a silver bullet for portfolio performance.

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.

Leaning heavily on growth with minimal consideration for risk-return optimization makes this portfolio a one-trick pony. It's like trying to build a house with only a hammer; useful but limited. Broadening the toolset with more varied assets could improve the portfolio's efficiency, striking a better balance between risk and return. Ditching highly correlated assets for more complementary choices would be a step towards a more sophisticated strategy.

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