This portfolio has only about 1.8 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
Roast mode 🔥

This portfolio hides a jittery target date monster under a thin blanket of sensible-looking funds

Report created on May 7, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio looks like someone started with a clean target-date solution and then panic-added every “balanced” fund they could find, plus a big vanity stake in Salesforce. Nearly half the money lives inside overlapping target-date and allocation funds trying to do the same job, often with different opinions. That sprawling setup makes it hard to know what’s actually driving risk or growth; it’s like having five chauffeurs all yanking the same steering wheel. On paper it scores as “broadly diversified,” but structurally it’s a cluttered nesting doll of funds inside funds. With only ~1.8 years of history, it’s especially hard to tell whether this mashup behaves gracefully or just hasn’t hit real stress yet.

Growth Info

Over this short 1.8-year window, the results look suspiciously heroic: $1,000 turning into $1,489, a 24.25% CAGR versus 17.71% for the US market and 19.33% globally. That’s great, but past 1.8 years of data is like bragging after one lucky season. The max drawdown of -16.53% wasn’t trivial, but it actually lost slightly less than the US market’s -18.76% in the same stretch. The kicker: 90% of returns came from just 9 days, which is classic “you better have been fully invested on the right mornings” territory. This outperformance says more about recent conditions than any proven, repeatable edge.

Projection Info

The Monte Carlo projection is basically a fancy “what if” machine run on a wobbly 1.8-year history, so take it with a large grain of salt. It spits out a median path of $1,000 growing to $2,335 over 15 years, with a wide $1,109–$4,922 possible range. Annualized, the simulations land around 6.31%, which is far less glamorous than the recent 24% CAGR party. That spread shows how sensitive this portfolio is to future conditions, especially with a risk engine that’s barely met a full market cycle. Think of this as a weather forecast made after watching only one weird season.

Asset classes Info

  • Stocks
    61%
  • No data
    23%
  • Bonds
    15%

At the asset-class level this thing tries to be a “growth” portfolio without fully committing. About 61% is in stocks, 15% in bonds, and a chunky 23% is in the “no data” black box. So even the classification is shrugging. For a supposedly growth-tilted setup, the bond slice and mystery bucket make the message fuzzy: is this trying to be aggressive, balanced, or just indecisive? Asset classes are the main knobs for risk, and when almost a quarter of the portfolio is an unknown category, it’s like driving at night with one headlight out. You’re moving forward, but you don’t really see the road.

Sectors Info

  • Technology
    24%
  • Financials
    10%
  • Industrials
    8%
  • Health Care
    6%
  • Telecommunications
    4%
  • Consumer Discretionary
    4%
  • Consumer Staples
    3%
  • Energy
    3%
  • Real Estate
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Consumer Discretionary
    2%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, there’s a clear leaning toward technology at 24%, with everything else playing backup singers. Financials, industrials, and health care trail far behind, and the smaller slices in energy, real estate, and utilities look more like accidental exposure than deliberate calls. There’s even a double-listed consumer discretionary line, which nicely matches the portfolio’s “copy-paste more funds” personality. With only a short lookback, it’s impossible to declare this a genius tech tilt or just lucky timing in a growth-friendly phase. But structurally, when one sector towers over the rest like this, the portfolio’s mood will swing with that one corner of the market.

Regions Info

  • North America
    56%
  • Europe Developed
    8%
  • Japan
    4%
  • No data
    4%
  • Asia Developed
    2%
  • Asia Emerging
    1%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically this portfolio screams “US first, we’ll sprinkle in the rest.” North America sits at 56%, while Europe developed is a modest 8%, Japan 4%, and everything else is tiny single digits, plus 4% “no data” mystery land. It’s not a pure America-or-bust stance, but it’s definitely America-with-tourist-trips. That’s fairly typical, yet it still means the portfolio’s fate is heavily hooked to one region’s economy, politics, and currency. With only 1.8 years of returns, there’s zero evidence this bias is helping or hurting long term; it just means any US wobble will echo loudly in the overall performance.

Market capitalization Info

  • Large-cap
    23%
  • Mega-cap
    16%
  • Mid-cap
    14%
  • Small-cap
    5%
  • Micro-cap
    2%

This breakdown covers the equity portion of your portfolio only.

The market-cap blend is reasonably conventional, but not exactly laser-focused. Mega-cap at 16% plus large-cap at 23% dominate, as usual, with mid-cap at 14% and small/micro at a modest 7% combined. It’s like the portfolio wants a bit of spicy small-cap upside but is too nervous to actually lean into it. For a growth-labeled setup, the tilt is surprisingly middle-of-the-road rather than clearly skewed toward smaller companies. Because the history is so short, there’s no real read on how this mix behaves in a drawn-out bear or recovery; right now it’s just a generic size profile with no strong conviction.

True holdings Info

  • Salesforce.com Inc
    10.10%
  • Apple Inc
    0.39%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    • iShares Core S&P 500 ETF
  • NVIDIA Corporation
    0.36%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Microsoft Corporation
    0.30%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    • iShares Core S&P 500 ETF
  • Broadcom Inc
    0.22%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    • iShares Core S&P 500 ETF
  • Amazon.com Inc
    0.20%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Alphabet Inc Class A
    0.16%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Alphabet Inc Class C
    0.13%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • ASML Holding N.V.
    0.11%
    Part of fund(s):
    • Vanguard FTSE Europe Index Fund ETF Shares
  • Meta Platforms Inc.
    0.10%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Top 10 total 12.07%

This breakdown covers the equity portion of your portfolio only.

The look-through holdings data covers only 14.6% of the portfolio, so we’re basically peeking through a keyhole and calling it interior design. What we can see: Salesforce is a chunky 10.1% held directly, then pops up precisely nowhere else, so at least that obsession is honest. The rest of the visible overlap is the usual mega-cap suspects—Apple, NVIDIA, Microsoft, Amazon, Alphabet—each at sub-0.4% levels via broad ETFs. Hidden overlap is probably much higher inside all the target-date and balanced funds, but the top-10-only data can’t show it. Translation: actual concentration risk is almost certainly being undercounted by this nice-looking but incomplete snapshot.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 21%
Size
Exposure to smaller companies
Low
Data availability: 37%
Momentum
Exposure to recently outperforming stocks
Low
Data availability: 15%
Quality
Preference for financially healthy companies
Very high
Data availability: 10%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 34%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor-wise, this portfolio has an almost comical combo: very high quality (80%) with high value (61%), low size (26%), and low momentum (32%). Factor exposure is basically the hidden recipe—why returns and risk behave the way they do. Here the recipe reads “grown-up value with training wheels.” The quality tilt means lots of stronger balance sheets and more stable businesses, while the value tilt leans toward cheaper-looking stocks. But the low size and low momentum exposure say it’s not exactly chasing hot trends or smaller high-flyers. Over a full cycle this could mean smoother relative behavior, but with just 1.8 years of data, that “safety” might be more illusion than proven trait.

Risk contribution Info

  • The SP Funds 2040 Target Date Fund Institutional Shares
    Weight: 18.84%
    60.8%
  • Salesforce.com Inc
    Weight: 10.10%
    8.6%
  • Vanguard Target Retirement 2045 Fund Investor Shares
    Weight: 10.24%
    4.9%
  • SCHWAB SMALL-CAP INDEX FUND SELECT SHARES
    Weight: 3.41%
    2.7%
  • SCHWAB TARGET 2035 INDEX FUND INSTITUTIONAL SHARES
    Weight: 5.91%
    2.4%
  • Top 5 risk contribution 79.4%

The real circus is in the risk contribution: the SP Funds 2040 Target Date Fund is 18.84% of the weight but a ridiculous 60.82% of total portfolio risk, more than triple its share. That single fund is doing the volatility heavy lifting while everything else pretends to diversify. Salesforce at 10.10% weight only contributes 8.57% of risk, which is almost polite by comparison. The top three holdings together are 40% of the portfolio but drive 74.28% of the risk. So on paper it looks like a many-fund buffet; in practice it behaves like one loud target-date bet with a Salesforce side dish.

Redundant positions Info

  • iShares Core S&P 500 ETF
    VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
    SCHWAB TARGET 2040 FUND SCHWAB TARGET 2040 FUND
    SCHWAB TARGET 2035 INDEX FUND INSTITUTIONAL SHARES
    Vanguard Target Retirement 2045 Fund Investor Shares
    SCHWAB TARGET 2040 INDEX FUND INSTITUTIONAL SHARES
    Vanguard Total Stock Market Index Fund ETF Shares
    AMERICAN BALANCED FUND CLASS F-1
    T. ROWE PRICE RETIREMENT BALANCED FUND T. ROWE PRICE RETIREMENT BALANCED FUND
    SCHWAB MARKETTRACK BALANCED PORTFOLIO INVESTOR SHARES
    High correlation
  • AMERICAN FUNDS COLLEGE 2027 FUND CLASS 529-A
    AMERICAN FUNDS COLLEGE 2027 FUND CLASS 529-C
    High correlation
  • Vanguard Mid-Cap Growth Index Fund ETF Shares
    iShares Core Dividend Growth ETF
    Vanguard Mid-Cap Index Fund ETF Shares
    Vanguard Mid-Cap Value Index Fund ETF Shares
    High correlation
  • iShares Morningstar Small-Cap Growth ETF
    Vanguard Small-Cap Value Index Fund ETF Shares
    SCHWAB SMALL-CAP INDEX FUND SELECT SHARES
    High correlation
  • T. ROWE PRICE INTERNATIONAL VALUE EQUITY FUND T. ROWE PRICE INTERNATIONAL VALUE EQUITY FUND
    Vanguard FTSE Europe Index Fund ETF Shares
    High correlation

The correlation list reads like a roll call of funds all secretly doing the same job. Target-date funds move like other target-date funds, balanced funds mirror broad indexes, and several small-cap and mid-cap products are basically twins. Correlation just means how similarly things move; here, many positions are basically synchronized swimmers. That kills the illusion that all these different logos and prospectuses equal genuine diversification. In a real downturn, a lot of this stuff will likely go down together, just in slightly different fonts. The short history hasn’t yet served a major crisis, so this copycat behavior is probably understated rather than exaggerated.

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.

The risk/return optimization section is brutally honest: the current portfolio Sharpe ratio is 1.0, while the optimal mix of the same holdings hits 2.59 with much lower risk (3.18% vs 18.38%). The efficient frontier is basically the map of best possible trade-offs using what’s already in the cart. Being 9.64 percentage points below that frontier at the current risk level is like driving a sports car in first gear—loud, inefficient, and kind of pointless. The minimum variance mix even gets a higher Sharpe than the current version. In short, the recipe isn’t the problem; the proportions are. And that’s before we admit the whole exercise is based on just 1.8 years of noisy data.

Dividends Info

  • AMERICAN BALANCED FUND CLASS F-1 7.70%
  • Salesforce.com Inc 0.90%
  • iShares Core Dividend Growth ETF 2.00%
  • iShares Core MSCI Pacific ETF 3.80%
  • iShares Morningstar Small-Cap Growth ETF 0.60%
  • iShares Core S&P 500 ETF 1.10%
  • SCHWAB SMALL-CAP INDEX FUND SELECT SHARES 1.10%
  • Schwab Value Advantage Money Fund 3.80%
  • SCHWAB TARGET 2035 INDEX FUND INSTITUTIONAL SHARES 2.20%
  • SCHWAB TARGET 2040 INDEX FUND INSTITUTIONAL SHARES 2.10%
  • The Charles Schwab Family of Funds - Schwab New York Municipal Money Fund 0.20%
  • T. ROWE PRICE INTERNATIONAL VALUE EQUITY FUND T. ROWE PRICE INTERNATIONAL VALUE EQUITY FUND 2.50%
  • T. ROWE PRICE RETIREMENT BALANCED FUND T. ROWE PRICE RETIREMENT BALANCED FUND 4.80%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.80%
  • Vanguard FTSE Europe Index Fund ETF Shares 2.80%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.40%
  • Vanguard Mid-Cap Index Fund ETF Shares 1.40%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.60%
  • VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ADMIRAL SHARES 4.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard Target Retirement 2045 Fund Investor Shares 2.30%
  • The SP Funds 2040 Target Date Fund Institutional Shares 0.20%
  • Weighted yield (per year) 1.68%

Yield-wise, the portfolio isn’t exactly a cash-flow machine: total yield sits at 1.68%, which is “better than nothing” but not remotely income-focused. Some funds throw off chunky distributions—like the American Balanced Fund at 7.70% and the T. Rowe retirement balanced fund at 4.80%—while growthy names like Salesforce barely bother. The mix feels accidental: a handful of big-yield products dropped into an otherwise return-first structure. With such a short history, the sustainability of those higher payouts is a big question mark. Dividends are nice, but here they’re more of a side effect than a clearly designed feature.

Ongoing product costs Info

  • AMERICAN BALANCED FUND CLASS F-1 0.61%
  • AMERICAN FUNDS COLLEGE 2027 FUND CLASS 529-A 0.67%
  • AMERICAN FUNDS COLLEGE 2030 FUND CLASS 529-A 0.68%
  • AMERICAN FUNDS COLLEGE 2027 FUND CLASS 529-C 1.43%
  • iShares Core Dividend Growth ETF 0.08%
  • iShares Core MSCI Pacific ETF 0.09%
  • iShares Morningstar Small-Cap Growth ETF 0.06%
  • iShares Core S&P 500 ETF 0.03%
  • SCHWAB MARKETTRACK BALANCED PORTFOLIO INVESTOR SHARES 0.48%
  • SCHWAB TARGET 2040 FUND SCHWAB TARGET 2040 FUND 0.48%
  • SCHWAB SMALL-CAP INDEX FUND SELECT SHARES 0.04%
  • SCHWAB TARGET 2035 INDEX FUND INSTITUTIONAL SHARES 0.08%
  • SCHWAB TARGET 2040 INDEX FUND INSTITUTIONAL SHARES 0.08%
  • T. ROWE PRICE INTERNATIONAL VALUE EQUITY FUND T. ROWE PRICE INTERNATIONAL VALUE EQUITY FUND 0.81%
  • T. ROWE PRICE RETIREMENT BALANCED FUND T. ROWE PRICE RETIREMENT BALANCED FUND 0.49%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard FTSE Europe Index Fund ETF Shares 0.06%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.05%
  • Vanguard Mid-Cap Index Fund ETF Shares 0.04%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.07%
  • VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ADMIRAL SHARES 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Target Retirement 2045 Fund Investor Shares 0.08%
  • Weighted costs total (per year) 0.12%

Cost-wise, the portfolio somehow manages to be both cheap and weirdly expensive. The overall TER of 0.12% is impressively low—“you clicked the right ETFs” territory. But then there’s the 1.43% 529-C share class and other chunky active funds quietly inflating the bill on pieces that could be much simpler. Paying over 1% for anything in a lineup that already includes ultra-cheap core funds is like tipping 200% on a dinner that came with a free buffet. Over decades, those little pockets of fee bloat would matter a lot more than this 1.8-year snapshot suggests, even if they’re currently masked by strong returns.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey