A two-trick pony galloping through the global market but missing the excitement
Report created on Jul 25, 2025Risk profile
4/7
Diversification profile
4/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 40.00%
This portfolio is like a burger with only lettuce and tomato; it's technically a meal but missing the main ingredients. With 60% in a Vanguard S&P 500 ETF and 40% in a Vanguard Total International Stock Index Fund ETF, it's as if you've acknowledged the world outside the U.S. but only as an afterthought. This "diversification" is like wearing a raincoat in a hurricane; sure, you're covered, but are you really prepared?
Growth
The historic performance, with a CAGR of 11.97%, might have you feeling like a Wall Street wizard, but remember, past performance is like an ex; it's not indicative of future results. That -33.84% max drawdown should be a wake-up call; it's like enjoying the rollercoaster until it goes off the rails. Those 27 days making up 90% of returns? That's less stable than my aunt's internet connection.
Projection
Monte Carlo simulations might sound like a fancy gambling strategy, but it's just fancy guesswork. With projections ranging from 28.3% to 455.1%, it suggests your portfolio might either buy you a new bike or a new house. Betting on 983 out of 1,000 simulations to turn up positive is like trusting weather forecasts; sunny with a chance of bankruptcy.
Asset classes
- Stocks 99%
- Cash 1%
With 99% in stocks and a token 1% in cash, your asset allocation screams, "I love living on the edge!" This is the investment equivalent of all your eggs not just in one basket, but teetering on a cliff's edge. A little variety wouldn't hurt unless you're aiming for the investment purity award.
Sectors
- Technology 25%
- Financials 18%
- Industrials 11%
- Consumer Discretionary 11%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 6%
- Basic Materials 4%
- Energy 4%
- Utilities 3%
- Real Estate 2%
Your sector allocation is like a party where tech and financial services are hogging the dance floor. With 25% in technology and 18% in financial services, it's clear you've got a type. But remember, even in sectors, variety is the spice of life. Don't wait for the music to stop and find you've been dancing alone.
Regions
- North America 63%
- Europe Developed 16%
- Asia Emerging 6%
- Japan 6%
- Asia Developed 4%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
The geographic allocation is like saying you're worldly because you once ate at an international airport. With 63% in North America and a smattering across other regions, it's like you've acknowledged the existence of other countries but aren't fully convinced they matter. International exposure is more than just a token gesture.
Market capitalization
- Mega-cap 46%
- Large-cap 33%
- Mid-cap 17%
- Small-cap 2%
Your cap size allocation is playing it safe with 46% in megacaps and 33% in big caps. It's like swimming with floaties in the shallow end. Yes, you're swimming, but the real action is in the deep end. Maybe it's time to dip your toes in medium or even small caps, just for the thrill.
Risk vs. return
This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.
Click on the colored dots to explore allocations.
Your portfolio's risk-return trade-off is like balancing on a tightrope. While it's thrilling, a gust of wind (or market volatility) could send you tumbling. Striving for an efficient frontier is commendable, but remember, it's not just about the highest returns for the highest risk; it's about balance.
Dividends
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.84%
The dividend yield is the portfolio's consolation prize. With an average yield of 1.84%, it's like getting a participation trophy; nice to have, but not the main event. While dividends provide a steady income stream, relying solely on them is like expecting a garden hose to fill a swimming pool.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
The low costs are the silver lining in this cloud. With a total TER of 0.04%, at least you're not overpaying for this rollercoaster ride. It's the financial equivalent of finding a high-quality, low-cost burger; satisfying and efficient, but don't forget to check the nutritional value.
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