Sample data — fictional portfolio
A made-up $118k portfolio: six holdings across a brokerage and a 401(k). The score and forecast below come from the same deterministic engine that runs real reviews; the written review is example output. Your own statement gets the full treatment.
01Portfolio Score
Structural score — concentration, diversification, cash drag, and mix. Not a prediction or a rating of any security.
- Concentration47
Largest single-company position (NVIDIA Corp (NVDA)) is 18% of the portfolio.
- Single stocks65
31% of the portfolio is in individual securities (company-specific risk).
- Fund core84
59% sits in diversified funds/ETFs — the portfolio's diversified core.
- Cash drag78
10% is uninvested cash inside the portfolio.
- Asset mix100
90% equity-like / 10% ballast (bonds/cash).
- 59%Fund$70k
- 31%Stock$36k
- 10%Cash$12k
02Holdings
- FundVanguard Total Stock Market ETF (VTI)Sample brokerage32.5%$38,400
- FundTarget Retirement 2055 FundSample 401(k)26.4%$31,200
- StockNVIDIA Corp (NVDA)Sample brokerage18.2%$21,500
- CashCash sweepSample brokerage10.4%$12,300
- StockApple Inc (AAPL)Sample brokerage8.3%$9,800
- StockEmployer company stockSample 401(k)4.1%$4,900
03Forecast
Projected $765,899(2056)Your allocation blends to a 6.4% illustrative nominal return with 13.5% volatility — a share-weighted blend of long-run asset-class assumptions, not a market prediction.
- 59%Fund
- 31%Stock
- 10%Cash
Monte Carlo · 500 paths · 80% land between $252,677 and $1,453,900 by 2056.
04The Review
This is a growth-tilted portfolio with a genuinely solid core: the Target Retirement 2055 fund and the total-market ETF together hold roughly six of every ten dollars, and they do the heavy lifting of diversification. The defining structural feature is single-company concentration — NVIDIA alone is about 18% of the portfolio, and with Apple and the employer stock, individual companies make up roughly a third of the total. A cash sweep near 10% is the other thing that stands out: it softens the swings but sits out of the market. Overall the structure reads as deliberate, with a concentrated satellite riding on a diversified core — its ride will be bumpier than the index core alone would suggest.
- ↑A low-cost, diversified core — the 2055 target-date fund and VTI — anchors nearly 60% of the portfolio.
- ↑The mix is equity-heavy in a way that fits a decades-long horizon, with compounding doing the work.
- ↑Everything here is liquid and plain-vanilla — no exotic or hard-to-exit positions.
- ↓NVIDIA is roughly 18% of the whole portfolio — one company's news will move this net worth more than the market does.
- ↓Employer stock on top of an employer paycheck concentrates two bets on the same company.
- ↓About 10% sits in a cash sweep; it dampens volatility but has historically lagged invested assets over long horizons.
Education & tools, not advice. This review describes portfolio structure — it is not a recommendation to buy, sell, or hold any security, and projections are illustrative, not guarantees. Engine v1.1.0.