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A love letter to Vanguard with a sprinkle of tech giants for flavor

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

What type of investor this portfolio is suitable for

Balanced Investors

This portfolio screams "I trust Vanguard more than I trust myself." It's perfect for someone who loves the idea of investing in the stock market but thinks diversification is a concept for mutual fund advertisements. Your risk tolerance is like a rollercoaster enthusiast who's only really comfortable on the kiddie rides. You're aiming for growth, but your strategy is as conservative as it gets without buying bonds. Your investment horizon seems to stretch as far as the next quarterly report, hoping those big, reliable names will carry you through.

Positions

  • Vanguard High Dividend Yield Index Fund ETF Shares
    VYM - US9219464065
    50.00%
  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    30.00%
  • Vanguard S&P 500 ETF
    VOO - US9229083632
    15.00%
  • NVIDIA Corporation
    NVDA - US67066G1040
    3.00%
  • Alphabet Inc Class A
    GOOGL - US02079K3059
    2.00%

Your portfolio is so Vanguard-heavy, it's practically wearing the company logo as a cape. Diversification doesn't mean having different funds with the same underlying assets. It's like ordering three different flavors of vanilla ice cream and calling it a diverse dessert menu. The addition of NVIDIA and Alphabet spices things up a bit, but it's too little to counteract the overwhelming taste of vanilla.

Growth Info

With a CAGR of 15.57%, it's like you've been riding a bicycle downhill with the wind at your back. But remember, that -37.21% max drawdown is a stark reminder that sometimes you hit a pothole. Those 50 days making up 90% of your returns? That's the financial equivalent of cramming for exams the night before and hoping for the best. Sustainable? Hardly.

Projection Info

Monte Carlo simulations are like weather forecasts for your money, and yours predict sunny days with a chance of unprecedented wealth. But let's remember, forecasts often miss the mark. The range from 327.9% to 4,490.1% across simulations is like predicting either a drizzle or a hurricane. Be wary of putting too much faith in these sunny projections without preparing for potential storms.

Asset classes Info

  • Stocks
    100%
  • Cash
    0%

Your portfolio is all stocks, all the time. It's like filling your entire plate with meat at a buffet and ignoring the veggies, carbs, and desserts. Sure, it's protein-packed, but where's the balance? A little bond action or some real estate could add some much-needed fiber to your financial diet.

Sectors Info

  • Technology
    26%
  • Financials
    17%
  • Health Care
    10%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Consumer Staples
    8%
  • Telecommunications
    8%
  • Energy
    6%
  • Utilities
    4%
  • Basic Materials
    2%
  • Real Estate
    1%

The technology sector is your clear favorite, making up a quarter of your portfolio. It's like betting big on black because it hit a few times in a row. Financial services and healthcare are your next big bets, but with tech's dominance, if Silicon Valley sneezes, your portfolio catches a cold.

Regions Info

  • North America
    99%
  • Europe Developed
    1%
  • Latin America
    0%
  • Africa/Middle East
    0%
  • Asia Emerging
    0%
  • Asia Developed
    0%

With 99% of your assets in North America, it's as if you think the rest of the world's markets are just a myth. This is the investment equivalent of believing the Earth is flat. Even Christopher Columbus would tell you to explore a little. A 1% nod to Europe barely counts as international exposure.

Market capitalization Info

  • Large-cap
    40%
  • Mega-cap
    33%
  • Mid-cap
    21%
  • Small-cap
    5%
  • Micro-cap
    1%

Your tilt towards big and mega caps is like always shopping at big-box stores and ignoring the local boutiques. Sure, it feels safer, but you're missing out on potential growth from smaller companies. This conservative tilt could be dampening your portfolio's growth potential in a bull market.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The correlation between your S&P 500 and Total Stock Market ETFs is so high, they might as well be twins. This redundancy doesn't add value; it's like buying two of the same shirts in slightly different shades of gray. Consider diversifying to truly spread risk and potentially enhance returns.

Dividends Info

  • Alphabet Inc Class A 0.30%
  • Vanguard S&P 500 ETF 0.90%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.90%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.50%
  • Weighted yield (per year) 1.66%

Your dividend strategy seems to be the only thing providing some balance, thanks to the High Dividend Yield Index Fund. But relying heavily on dividends is like expecting a steady breeze to power your entire sailboat. It helps, but you'll need more than that to navigate through rough waters.

Ongoing product costs Info

  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.04%

At least you're not overpaying for this rollercoaster ride, with total expenses averaging 0.04%. It's like finding a cheap ticket to an amusement park — great value, as long as you're tall enough to ride the financial ups and downs without getting queasy.

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.

Your idea of optimization seems to be throwing everything into Vanguard funds and hoping for the best. It's akin to putting all your eggs in one basket, then asking the basket to balance itself on a tightrope. Removing correlated assets could be your first step towards not just balancing, but actually juggling those eggs.

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