Critique My Beginner Portfolio for Gaps and Overlaps

Two funds can look diverse and secretly hold the same hundred US tech firms. You list your holdings, allocations and platforms plus your age, horizon and risk profile; this critiques the portfolio for geographic and sector concentration, factor exposure, costs over 0.5% OCF, overlap between funds, and currency risk. For new investors who want a second pair of eyes before settling in.

Here is my current investment portfolio: {PORTFOLIO_HOLDINGS} (list each fund/ETF, its percentage allocation, and the platform it is held on). I am {AGE} years old with a {HORIZON}-year investment horizon and a {RISK_PROFILE} risk profile. Please critique this portfolio by examining: geographic and sector concentration, factor exposure, cost efficiency (flag any OCF above 0.5%), overlap between holdings, currency risk, and whether the allocation matches my stated risk profile and horizon. Prioritise your findings by materiality and suggest specific changes with reasoning.