A portfolio that loves dividends and tech a bit too much, while pretending to be global
Report created on Jul 30, 2025Risk profile
5/7
Diversification profile
5/5
Positions
-
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 25.49% -
VS Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares
VSS - US9220427184 23.91% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 20.61% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.25% -
VN Vanguard Real Estate Index Fund ETF Shares
VNQ - US9229085538 14.75%
This portfolio is like that friend who claims they love diversity but can't name a dish they like that isn't pizza or burgers. With over 69% parked in two countries and sectors, it's as diversified as a two-flavor ice cream shop. It's heavy on the U.S. and tech, like a Silicon Valley fan club, and sprinkles in a little bit of everything else as an afterthought.
Growth
With a CAGR of 13.89%, this portfolio might seem like it's been hitting the gym regularly, but that max drawdown of -37.16% is like discovering it's been skipping leg day. Those 14 days making up 90% of returns? That's the financial equivalent of winning the lottery. Remember, relying on such outliers is like planning your budget around finding $20 on the sidewalk.
Projection
Monte Carlo simulations are like video game simulations of your financial future, and with a 15.18% annualized return in simulations, it looks like you're playing on easy mode. But beware, the 5th percentile at 0.2% growth reminds us that even in the easiest game, there's a chance you'll trip at the starting line. Diversification and balance aren't just nice-to-haves; they're your safety net.
Asset classes
- Stocks 84%
- Real Estate 15%
- Cash 1%
With 84% in stocks and 15% in real estate, this portfolio is like a diet of steak and potatoes every day. Sure, it's hearty, but where are the greens (bonds) and the fruits (alternative investments)? A little more balance could prevent financial indigestion when markets get turbulent.
Sectors
- Technology 27%
- Real Estate 17%
- Industrials 11%
- Financials 9%
- Energy 8%
- Consumer Discretionary 8%
- Consumer Staples 7%
- Health Care 6%
- Basic Materials 4%
- Telecommunications 3%
- Utilities 1%
Technology, real estate, and industrials make up more than half of this portfolio, showing a tech addiction and a love for tangible assets. This focus might feel modern and grounded, but it's like only listening to 80s music; you're missing out on a lot of good stuff happening elsewhere.
Regions
- North America 79%
- Europe Developed 8%
- Asia Emerging 4%
- Japan 3%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Claiming to be worldly with a 79% allocation to North America is like saying you're a traveler because you once went to Canada. With minimal exposure to emerging markets and a heavy lean on developed ones, this portfolio is missing out on global growth stories, like only reading the first page of a novel.
Market capitalization
- Mid-cap 32%
- Large-cap 25%
- Small-cap 20%
- Mega-cap 11%
- Micro-cap 10%
This portfolio's market cap spread looks like a middle school dance floor—cliques everywhere. With a somewhat balanced approach, it still leans heavily towards medium and big caps, like a safety net made of bubble wrap. It's cautious, but are we really avoiding risk, or just pretending to?
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.
Efficient Frontier is like a financial fairy tale, and this portfolio is wandering in the woods rather than sticking to the path. It's chasing high returns without considering the ogres (risks) along the way. Striving for the best risk-return mix is noble, but let's not pretend we're in a fairy tale without villains.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.70%
- Schwab U.S. Dividend Equity ETF 3.80%
- Vanguard Information Technology Index Fund ETF Shares 0.50%
- Vanguard Real Estate Index Fund ETF Shares 3.80%
- Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares 2.90%
- Weighted yield (per year) 2.58%
This portfolio loves dividends like a kid loves candy. It's sweet until it's not. With a total yield of 2.58%, it's like getting a nice bonus at work but forgetting to save for retirement. Dividends are great, but they shouldn't be the whole strategy unless you enjoy living paycheck to paycheck in your golden years.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Real Estate Index Fund ETF Shares 0.12%
- Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares 0.08%
- Weighted costs total (per year) 0.11%
The portfolio's total expense ratio (TER) of 0.11% is like finding a designer suit at thrift store prices. It's one of the few things done right here, proving even a broken clock is right twice a day. Low costs are crucial, but don't let that be your portfolio's only bragging right.
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