The Wealth Builder
James Whitfield
41 · Operations & engineering manager · Melbourne · investing 11 years
Fictional demonstration investor — example data, read-only.
James has been investing for over a decade. He started with a few blue chips, added exchange-traded funds as his income grew, bought some US exposure on a colleague's tip, and kept the winners. Sixteen holdings later, he has a portfolio he's genuinely proud of — he just isn't sure what it all adds up to.
What James Whitfield thought
“I've got 16 investments across shares and ETFs — I assumed that made me well diversified.”
What James Whitfield owns
16 holdings
Portfolio value $558,991| Holding | Weight |
|---|---|
| CBA | 13.9% |
| VAS | 10.9% |
| VGS | 9.8% |
| BHP | 8.2% |
| IVV | 8.0% |
| CSL | 6.9% |
| NAB | 6.8% |
| MQG | 5.8% |
| WBC | 5.8% |
| WES | 4.6% |
| RIO | 4.4% |
| VHY | 4.3% |
| WOW | 3.2% |
| FMG | 3.1% |
| TLS | 2.3% |
| VAP | 2.1% |
What James is really exposed to
34% of your portfolio moves with Australian banks.
You hold 16 investments, but you're really making about 2 big bets.
Your top 3 holdings are 34% of the portfolio.
The economic bets underneath
via CBA, NAB, WBC
via CBA, NAB, WBC
via VGS, IVV, BHP
via BHP, RIO, FMG
via BHP, RIO, FMG
17.7% of the portfolio is offshore — mostly USD.
By the number of holdings, James looks diversified. No single stock dominates, and his three largest positions are only about a third of the portfolio.
But PortLens looks through the funds to the economic forces underneath. Several of his 'different' investments lean on the same things — the big Australian banks appear directly in his portfolio and again inside his index and high-yield ETFs, and his miners are echoed inside his broad-market fund.
The result: sixteen investments, but far fewer real bets than it looks. That isn't necessarily good or bad — but it's the kind of thing worth seeing clearly before you add the next holding.
Explore the full app as James Whitfield.
Step inside PortLens with James Whitfield's portfolio loaded — the same dashboard, risk radar, valuation and macro tools a member uses. It's read-only, so you can look around freely.
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