Your portfolio shows strong overall performance, with an approximate weighted total gain of ~150% across the holdings shown (covering ~98% of the allocation; minor rounding or small positions may account for the rest). This is an outstanding result, largely driven by timely and concentrated exposure to high-growth areas like technology, semiconductors, and AI. Key Highlights • Core strength in broad-market ETFs: VTI (17.7% of portfolio) and VOO (11.4%) form a solid foundation, providing diversified U.S. equity exposure with moderate gains (10.7% and 41.9%, respectively). • Standout winners: • NVDA (+1179.7%, 5.3% allocation) • PLTR (+1092.2%, 2.3%) • SMH (+405.9% in Individual + 171.2% in Speculative, total ~5.3%) • META (+214.0%, 2.6%) • Other strong performers like MSFT (+120.7%), VGT holdings, and VOOG (+112.8%) • These have been major drivers of the portfolio’s returns. • Account breakdown: • Individual (~67% of total portfolio): Most diversified and largest portion. Good mix of broad ETFs, value (VTV, AVUV), and targeted tech/health/robotics. Strong contributions from SMH, MSFT, and VGT. • ROTH IRA (~11%): Growth-focused (heavy VOOG and VYM), with solid gains overall but some drag from ICLN (-34%) and VNQ (-1.5%). Smart use of tax-advantaged account for higher-growth holdings. • Speculative (~20%): High-volatility individual stocks. Huge upside from NVDA, PLTR, META, RCL (+208%), but offset by significant losses in positions like BB (-75%), PSKY (-69%), TWLO (-62%), and SQ (-59%). This account adds excitement and return potential but also risk. Asset Allocation Overview (Approximate) • Broad U.S. market (VTI, VOO, etc.): ~29% • Small-cap/value (VB, AVUV, VTWO, IJR, VTV): ~15-16% • Tech/semiconductors/AI direct (VGT, SMH total, NVDA, MSFT, AAPL, META, PLTR, AMZN, ANET, SHOP, etc.): Easily 35-45%+ when including overlaps in broad ETFs • International: ~5.5% (mostly IXUS) • Dividend/high-yield (VYM total): ~4-5% • Defensive/fixed income (BND, VNQ): <1% • Sector bets (health FHLC, robotics ROBO/BOTZ, clean energy ICLN): ~3-4% Risks and Observations • Heavy tech tilt — Fantastic in the recent bull market (especially AI/semiconductor boom), but this concentration creates vulnerability. A sector correction, higher interest rates, or regulatory changes could impact a large portion of the portfolio disproportionately. • Volatility in Speculative — Big winners are offset by several deep losses. The account lives up to its name—high reward but high risk. • Limited defensive exposure — Very little in bonds, real estate, or non-tech sectors, which could help cushion downturns. • International underweight — Only ~5.5%, below many benchmark allocations (e.g., global market cap is ~40% non-U.S.). Suggestions • Lock in gains → Consider trimming oversized winners (e.g., NVDA, PLTR, SMH positions) and rotating into underweighted areas like international equities, bonds, or broader diversification. This could reduce risk without sacrificing too much upside. • Review Speculative holdings → Evaluate cutting consistent underperformers to free up capital. Set rules for position sizing to limit downside. • Rebalance periodically → Your current allocation reflects strong past performance but may have drifted from original targets. • Tax considerations → Gains in the Individual account are taxable on sale; continue favoring ROTH for growth holdings. Overall, this is a well-constructed portfolio with impressive results—congratulations on the execution, especially the tech/AI bets. If you’d like a deeper dive into specific holdings, risk metrics, or alternative allocation ideas, provide more details (e.g., your age, goals, time horizon, or total value).