A love letter to Schwab with an 80% equity obsession and a sprinkle of bonds
Report created on May 27, 2025Risk profile
4/7
Diversification profile
3/5
Positions
-
SC Schwab U.S. Broad Market ETF
SCHB - US8085241029 80.00% -
SC Schwab International Equity ETF
SCHF - US8085248057 15.00% -
SC Schwab U.S. Aggregate Bond ETF
SCHZ - US8085248396 5.00%
Your portfolio composition screams "I trust Schwab with my life but not enough to diversify properly." Placing 80% in a broad market ETF is like saying you believe in the market but only kind of. The 15% international exposure is like remembering you have a passport the day before it expires, and the 5% in bonds? That's just keeping a flashlight by your bed, hoping it'll save you from the monster under the stock market's bed.
Growth
Let's face it, a CAGR of 11.80% is nothing to sneeze at, but when you consider the -33.91% max drawdown, it's like winning a pie-eating contest only to find out the pies were expired. Those 26 days that make up 90% of your returns? That's the financial equivalent of a diet consisting solely of Thanksgiving dinners.
Projection
Your Monte Carlo simulation is like a weather forecast in the Midwest: wildly unpredictable. A 5th percentile outcome of 3.0% growth is the meteorologist saying, "It might snow in July, but who knows?" Meanwhile, a 50th percentile outcome of 159.8% growth is like expecting a sunny day and getting a hurricane instead. With 956 out of 1,000 simulations positive, at least you're not betting on a blizzard in summer.
Asset classes
- Stocks 95%
- Bonds 5%
With 95% in stocks, your portfolio's asset class distribution is like a diet of steak and more steak, with a parsley garnish. That 5% in bonds hardly counts as diversification; it's more of a nod to the idea that maybe, just maybe, there's more to life than equities.
Sectors
- Technology 26%
- Financials 15%
- Health Care 10%
- Industrials 10%
- Consumer Discretionary 10%
- Telecommunications 8%
- Consumer Staples 6%
- Energy 3%
- Basic Materials 3%
- Real Estate 3%
- Utilities 2%
Your sector allocation is like a party where tech and financial services are hogging the dance floor. Sure, everyone loves a good tech gadget and a stable bank, but let's not forget the healthcare, industrials, and consumer cyclicals standing awkwardly by the punch bowl. It's time to mingle a bit more.
Regions
- North America 81%
- Europe Developed 9%
- Japan 3%
- Asia Developed 1%
- Australasia 1%
Geographically, your portfolio is like that friend who says they love to travel but only ever goes to Florida. With 81% in North America, it's clear you're playing it safe, but ignoring emerging markets is like refusing to try the street food — you're missing out on some potentially exciting flavors.
Market capitalization
- Mega-cap 41%
- Large-cap 29%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 2%
Your market cap allocation is like preferring blockbuster movies over indie films. Sure, 41% in mega and 29% in big caps sounds like a safe bet, but sometimes the best performances come from those small and micro caps, making up just 7% of your portfolio. Don't be afraid to explore the unknown.
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.
When it comes to risk vs. return optimization, your portfolio is like a car with only one gear. Sure, you'll get moving, but good luck navigating the ups and downs of the market highway. It's time to consider whether your one-size-fits-all approach to investing is truly driving you towards your goals, or if you're just coasting on hope.
Dividends
- Schwab U.S. Broad Market ETF 1.30%
- Schwab International Equity ETF 2.80%
- Schwab U.S. Aggregate Bond ETF 4.10%
- Weighted yield (per year) 1.66%
Your dividend yield strategy is like being content with finding loose change under the sofa cushions. With a total yield of 1.66%, it's clear you're not living off dividends anytime soon. Maybe it's time to look for a sofa with more cushions, or better yet, a different investment strategy for income.
Ongoing product costs
- Schwab U.S. Broad Market ETF 0.03%
- Schwab International Equity ETF 0.06%
- Schwab U.S. Aggregate Bond ETF 0.03%
- Weighted costs total (per year) 0.03%
At least you're not throwing money away on fees. With a total TER of 0.03%, you're tighter than a duck's behind, and that's waterproof. It's like you're the only person at the buffet who's not going back for seconds. Kudos for keeping costs in check, but let's not forget that even cheap can be costly if it's not effective.
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