Portfolio Analysis — Taxable Account (Complete)
Date: 2026-05-04
Source: Robinhood screenshots (2 of 2)
Total Account Value: $198,913.51
Full Holdings Breakdown
| Ticker | Shares | Value | % of Account | Category |
|---|---|---|---|---|
| TSLA | 165 | $64,485.30 | 32.4% | Individual equity (tech/EV) |
| VTI | 99.01 | $35,175.84 | 17.7% | Total market ETF (core) |
| VB | 74.82 | $21,310.52 | 10.7% | Small-cap ETF (satellite) |
| IJJ | 131.07 | $18,590.40 | 9.3% | Mid-cap value ETF (satellite) |
| COST | 10.53 | $10,651.18 | 5.4% | Individual equity (retail) |
| GOOG | 14.97 | $5,737.57 | 2.9% | Individual equity (tech) |
| SCHW | 62.34 | $5,706.33 | 2.9% | Individual equity (financial) |
| AAPL | 19.28 | $5,400.54 | 2.7% | Individual equity (tech) |
| TSN | 81.74 | $5,205.33 | 2.6% | Individual equity (consumer staples) |
| PYPL | 122.79 | $6,193.48 | 3.1% | Individual equity (fintech) |
| VPU | 24.08 | $4,843.37 | 2.4% | Utilities ETF (yield/defensive) |
| VMRXX | 4,644.85 | $4,644.85 | 2.3% | Money market (cash equivalent) |
| CCJ | 35.46 | $4,276.11 | 2.2% | Individual equity (uranium) |
| LLY | 4.1 | $3,944.84 | 2.0% | Individual equity (biotech/pharma) |
| VO | 16.17 | $1,248.65 | 0.6% | Mid-cap ETF (core extension) |
| Cash | — | $1,499.20 | 0.8% | Cash |
Total accounted: $198,913.51 ✅ (reconciled: $198,914 vs. $198,913.51 = $0.49 rounding)
Concentration Analysis — Updated
Single-Name Risk (Individual Equities)
| Ticker | Value | % of Account | Cumulative |
|---|---|---|---|
| TSLA | $64,485 | 32.4% | 32.4% |
| COST | $10,651 | 5.4% | 37.8% |
| PYPL | $6,193 | 3.1% | 40.9% |
| GOOG | $5,738 | 2.9% | 43.8% |
| SCHW | $5,706 | 2.9% | 46.7% |
| AAPL | $5,401 | 2.7% | 49.4% |
| TSN | $5,205 | 2.6% | 52.0% |
| CCJ | $4,276 | 2.2% | 54.2% |
| LLY | $3,945 | 2.0% | 56.2% |
Total individual equities: ~56% of account
Total ETFs: ~41% of account (VTI 17.7% + VB 10.7% + IJJ 9.3% + VPU 2.4% + VO 0.6%)
Cash/money market: ~3% of account
Key Observations (Updated)
1. TSLA concentration: 32.4%
- Still the dominant position but not catastrophic
- With 2018 cost basis, unrealized gain is massive
- Risk: TSLA beta ~2.0 = 2x market volatility
- Action item: Define hard cap (suggest 30-35%)
2. LLY confirmed: 2.0% ($3,945)
- Small position relative to conviction
- GLP-1 thesis intact but not sized for impact
- Question: Is this a starter position or intentionally small?
3. CCJ: 2.2% ($4,276)
- Uranium/nuclear thesis aligned with energy rotation
- Note: You mentioned CCJ as a CSP candidate — you already own it
- CSP on existing position = increasing concentration. Flag this.
4. GOOG + AAPL: 5.6% combined
- Tech giants, liquid, dividend-paying
- Defensible but adds to tech correlation with TSLA
5. SCHW (Charles Schwab): 2.9%
- Financial sector — contradicts "tech only" bias
- Interest rate beneficiary (net interest income)
- Insight: You do own non-tech when the thesis is clear
6. TSN (Tyson Foods): 2.6%
- Consumer staples — defensive, inflation hedge
- Surprising: Not aligned with your stated sectors. What's the thesis?
7. VPU (Utilities): 2.4%
- Yield + defensive — income component
- Smart addition for a growth-heavy portfolio
8. VMRXX + Cash: ~3.1%
- Money market + cash = dry powder
- Reasonable reserve level
Sector / Theme Mapping
| Theme | Holdings | % of Account |
|---|---|---|
| Tech/Growth | TSLA, GOOG, AAPL, PYPL | ~41% |
| Core/Index | VTI, VB, IJJ | ~38% |
| Healthcare/Bio | LLY | ~2% |
| Energy/Materials | CCJ, VPU | ~5% |
| Consumer | COST, TSN | ~8% |
| Financial | SCHW | ~3% |
| Cash/Dry Powder | VMRXX, Cash | ~3% |
Risk Assessment (Updated)
Correlation Risk
- TSLA + GOOG + AAPL + PYPL = all tech/growth
- In tech selloff, these move together
- Concentrated tech risk: ~41% of account in correlated names
Missing Exposure
- No international (VTI is US-only)
- No REITs
- No dedicated commodity/energy beyond CCJ + VPU
- No bonds/fixed income
Behavioral Insight
- You DO own non-tech when thesis is clear: SCHW (financial), TSN (staples), CCJ (uranium), VPU (utilities)
- This contradicts the "tech only" self-image
- Reality: You're a generalist with tech bias, not a tech monogamist
Tax Implications
- TSLA: 2018 purchase = LTCG treatment. Cost basis likely $10-50/share range.
- LLY: Small position, likely recent purchase = may be STCG if sold soon
- VMRXX: Taxable interest income
- Note: This account is 100% taxable. Consider tax-loss harvesting opportunities (PYPL at loss?)
Questions for Director
- TSLA cost basis: Rough per-share range?
- LLY sizing: Starter position or intentionally small?
- TSN thesis: Why Tyson Foods? (Not in your stated sectors)
- PYPL: Are you underwater? Tax-loss harvesting candidate?
- International exposure: Is this in your 403b? (VTI is US-only)
Summary
This is NOT the wild concentration I expected.
- 32.4% TSLA is large but not reckless
- 40% in ETFs provides ballast
- 9 individual stocks = more diversified than "concentrated" profile suggested
- Tech/growth ~41% is high but not all-in
- Cash/dry powder ~3% is reasonable
The real insight: You're more balanced than you think. The "barbell" is visible: VTI anchor + TSLA satellite. But the middle is more populated than you described.
Recommendation: Own the full picture. Update your self-image from "tech barbell" to "tech-weighted generalist with ETF core."
Questions for Director — ANSWERED
- TSLA cost basis: Unrealized gain = $57,760.10 on $64,485 position → cost basis ~$6,725 or ~$40.75/share. Held since 2018.
- LLY sizing: Sold half, then half again. Now 2% ($3,945). Intentionally reduced, would rebuild on dip.
- TSN thesis: Protein industry, high inflation sector with corporate profits and sticky margins. Trading below book value at entry.
- PYPL thesis: Playing as acquisition target — M&A premium bet.
- International exposure: Is this in your 403b? (Still TBD)
Updated Insights
TSLA: The Tax Bomb
- Unrealized gain: $57,760 (89.5% of position value)
- Selling ANY = 15-20% LTCG tax on gain
- Trim $10K = ~$1,500-2,000 tax bill
- This is why you haven't sold — not just conviction, tax drag
- Covered calls become MORE attractive: monetize without triggering gains
LLY: Disciplined Profit-Taking
- Sold half, then half again = systematic position reduction
- Not "falling out of love" — sizing discipline
- "Rebuild on next dip" = waiting for better entry
- This is the anti-PLTR behavior. Good.
TSN: Value Play
- Below book value entry = classic value criterion
- Protein/inflation thesis = commodity cost pass-through
- Sticky margins = pricing power
- This is NOT random — it's a deliberate value trade outside tech
PYPL: Event-Driven
- M&A premium thesis = binary outcome
- If acquired: quick win. If not: potential tax-loss harvest
- Appropriate sizing at 3.1% — not betting the farm
Updated: 2026-05-04 (complete with all screenshots + Director Q&A)