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A textbook example of playing it safe and missing out on the world's flavors

Report created on Jun 15, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

With 70% parked in the S&P 500 ETF, this portfolio screams "I fear change" louder than a retiree clutching at their rotary phone. Diversification isn't just a fancy word to throw around at parties; it's about spreading risks and grabbing opportunities across the globe. Right now, this portfolio is as diversified as a kid's diet that solely consists of chicken nuggets.

Growth Info

Sporting a CAGR of 11.78% isn't shabby, but it's like bragging about winning a race when you're the only one competing. With the S&P 500 as the main engine, performance mirrors the ups and downs of a single market. Those 28 days carrying 90% of returns? That's putting a lot of eggs in very few baskets, making each market tremor feel like an earthquake.

Projection Info

Monte Carlo simulations are like weather forecasts for your money, showing what could happen without promising sunshine and rainbows. A 9.03% annualized return in simulations is decent, but the wide gap between the 5th and 67th percentiles shows volatility's lurking. This portfolio could either be a comfortable retirement or a reminder of what could've been, depending on market winds.

Asset classes Info

  • Stocks
    90%
  • Bonds
    10%

With 90% in stocks and a timid 10% in bonds, this portfolio is like a car with one pedal stuck to the floor while lightly tapping the brakes. Sure, you'll move fast, but it's not the smoothest ride. A splash more in bonds or other asset classes wouldn't hurt for when the stock market decides to take one of its infamous nosedives.

Sectors Info

  • Technology
    26%
  • Financials
    13%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Industrials
    8%
  • Telecommunications
    8%
  • Consumer Staples
    7%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

The tech-heavy tilt at 26% is like having a crush on the popular kid: exhilarating but risky. Sectors are well-represented, but this love affair with technology and financial services could lead to heartbreak if either sector catches a cold. Meanwhile, real estate and utilities are sitting in the corner, wondering what they did wrong.

Regions Info

  • North America
    80%
  • Europe Developed
    4%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

With 80% in North America, this portfolio has a home team bias that would make any sports fan proud. However, ignoring emerging markets and most of Europe is like refusing to try any cuisine that's not from your hometown. There's a whole world out there, ripe with growth opportunities that this portfolio is missing out on.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    33%
  • Mid-cap
    17%
  • Small-cap
    2%

The focus on mega and big caps is like always picking the biggest, oldest trees in the forest while ignoring the young saplings. Sure, they're sturdy and won't likely topple over tomorrow, but they also don't grow much anymore. Sprinkling in more medium, small, or even micro caps could add some much-needed growth potential to this forest.

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.

If portfolios were cars, this one would be a reliable sedan—efficient, but not exactly thrilling. The risk-return trade-off here is like ordering vanilla ice cream at a gourmet restaurant; it's fine, but you're missing out on a world of flavors. There's room to optimize for better returns without turning the risk dial to "insane."

Dividends Info

  • iShares Core U.S. Aggregate Bond ETF 3.80%
  • iShares Core S&P 500 ETF 1.00%
  • iShares Core MSCI Total International Stock ETF 1.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Weighted yield (per year) 1.61%

The dividend yield is like finding loose change under the sofa cushions—nice to have, but not life-changing. A total yield of 1.61% is a modest supplement to returns, especially in a low-interest environment. However, relying on this for income would be like trying to fill a swimming pool with a garden hose.

Ongoing product costs Info

  • iShares Core U.S. Aggregate Bond ETF 0.03%
  • iShares Core S&P 500 ETF 0.03%
  • iShares Core MSCI Total International Stock ETF 0.07%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Weighted costs total (per year) 0.04%

Kudos for keeping costs lower than a limbo stick at a beach party, with a total TER of just 0.04%. It's one of the few areas where this portfolio doesn't need a makeover. Low fees mean more of your money is working for you, not lining the pockets of fund managers.

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