Roast mode 🔥

Dividend hoarder with accidental tech crush and a mild case of America only tunnel vision

Report created on Mar 25, 2026

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.

Positions

Structurally this thing is “Balanced” the way a burger with five patties and one lettuce leaf is balanced. More than 70% is jammed into three big ETFs doing almost the same job, plus another cluster of dividend-flavored vehicles, then a sprinkle of individual blue chips you clearly just like looking at. The result is fake complexity: lots of tickers, not that many truly different bets. When multiple funds all chase the same style and same region, you don’t get extra safety — you just pay for more wrappers. The general takeaway: fewer overlapping funds with clearer roles could deliver the same exposure with less clutter and fewer hidden concentrations.

Growth Info

Historically, this portfolio has been like the slightly try-hard student who still gets an A. A 14.15% CAGR over ~10 years is strong, roughly matching the US market’s 14.27% and beating the global market’s 11.72%. CAGR (compound annual growth rate) is just the average yearly speed of that road trip from $1,000 to $3,531. The max drawdown at -33.3% is basically in line with broad markets — you hurt when everyone else hurt. The spicy bit: 90% of returns coming from just 31 days. Miss a few of those and the narrative gets worse. Past data is yesterday’s weather: useful, not magical. It shows this setup survived and kept up, but it’s not obviously superior.

Projection Info

The Monte Carlo projection basically asks, “What if history repeats, but drunk?” It runs 1,000 random paths using past return and volatility patterns. Median outcome: ~477% total return over 10 years; the ugly 5th percentile is still a positive ~14% — though that’s a decade of frustration in real life. The headline 16.07% average annualized return across simulations is flattering but dangerous: simulations are just math re-mixing the past, not reading tea leaves. They don’t know about future recessions, bubbles, or policy shifts. The takeaway: odds tilt in your favor if you stay put long term, but the range of outcomes is wide enough that you shouldn’t mentally spend the best-case scenarios in advance.

Asset classes Info

  • Stocks
    97%
  • Real Estate
    3%

Asset-class-wise, this is 97% stocks and 3% real estate — so “balanced” only compared to an options YOLO account. No bonds, no real diversifiers, just one big equity bet with a real estate cameo. For someone in the accumulation phase, fine, but let’s not pretend this is a gentle ride. Asset classes are like different food groups: everything being equity means you’re living on protein shakes with a single piece of broccoli. The big implication: when stocks crash, your whole lineup mostly crashes together. If you ever need to draw cash in a downturn, you’ll be selling risk assets at exactly the wrong time.

Sectors Info

  • Technology
    27%
  • Consumer Discretionary
    11%
  • Consumer Staples
    11%
  • Financials
    11%
  • Health Care
    11%
  • Industrials
    9%
  • Energy
    8%
  • Telecommunications
    5%
  • Real Estate
    4%
  • Utilities
    3%
  • Basic Materials
    2%

Sector exposure screams “I love dividends, but please sprinkle tech on everything.” Tech leads at 27%, with consumer cyclicals, defensive, financials, and healthcare each around 11%. That’s not insane, but the combo of high yield plus tech tilt is an odd personality: you want safety and growth at once and are sort of half-committing to both. Sectors are just buckets of similar businesses; when one bucket gets too full, a sector-specific shock hits harder than you think. Your tilt means you’re heavily wired into big, profitable, mature companies — less explosive upside, but if these names disappoint, your “steady” income portfolio can still drop faster than your comfort level.

Regions Info

  • North America
    96%
  • Europe Developed
    2%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

Geography-wise, this is America with a tourist visa to the rest of the world. North America at 96% is basically saying, “International diversification? I saw the brochure, I’m good.” Europe developed, Japan, and other Asia barely register at 1–2% each — just enough to claim global, not enough to matter. Geographic allocation matters because different economies and currencies don’t always move in sync. You’re betting that US dominance continues nearly unchecked; that’s worked for a while, but it’s still a bet. The takeaway: if the US stumbles or just has a long, boring decade, you’ve given yourself very little exposure to any region that might be doing the heavy lifting instead.

Market capitalization Info

  • Large-cap
    45%
  • Mega-cap
    31%
  • Mid-cap
    20%
  • Small-cap
    3%
  • Micro-cap
    1%

Your market cap profile is a who’s who of the grown-ups’ table: 31% mega caps, 45% big caps, 20% mid, and a token 4% split between small and micro. So you like companies with HR departments larger than entire small caps. That leans you toward stability and lower business risk, but also means less exposure to the scrappy up-and-comers that can juice long-term returns. Market cap is basically company size; loading into the giants is like only betting on established champions. Fine for sleeping at night, less fine if you’re chasing outperformance. The price you pay is potentially lower long-term growth in exchange for smoother marketing brochures.

True holdings Info

  • Microsoft Corporation
    4.87%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    Direct holding 2.90%
  • Apple Inc
    4.65%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    Direct holding 2.20%
  • Texas Instruments Incorporated
    3.17%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    Direct holding 2.20%
  • Intel Corporation
    3.10%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    Direct holding 3.00%
  • Procter & Gamble Company
    2.70%
    Part of fund(s):
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    Direct holding 2.00%
  • Lowe's Companies Inc
    2.32%
    Part of fund(s):
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    Direct holding 2.10%
  • NVIDIA Corporation
    2.14%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Genuine Parts Co
    2.13%
    Part of fund(s):
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard Mid-Cap Value Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    Direct holding 2.10%
  • Broadcom Inc
    1.67%
    Part of fund(s):
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • AbbVie Inc
    1.50%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • Top 10 total 28.26%

The look-through is where the “I’m diversified” illusion falls apart. Microsoft, Apple, Texas Instruments, Intel, PG, and Lowe’s are double-counted via direct holdings plus ETFs, with Microsoft and Apple each landing just under 5% total. Then you’ve got Nvidia, Broadcom, AbbVie, etc. slipping in through ETFs. This is classic hidden overlap: you think you have many ingredients, but you’re just eating tech-dividend casserole multiple ways. Since only ETF top-10s are used, the overlap is probably even worse under the hood. The issue isn’t that these names are bad — it’s that you’re giving a few mega companies a louder voice than their apparent weights suggest, which can blindside you when they wobble.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 63%
Size
Exposure to smaller companies
Very low
Data availability: 17%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
High
Data availability: 17%
Yield
Preference for dividend-paying stocks
High
Data availability: 60%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor profile: you are a full-on boomer at heart, even if you’re not one. Huge tilts to yield (78%), low volatility (73%), and value (73%), with decent momentum and quality too. Factors are the “flavors” behind performance — like salty, sweet, sour — and you’ve picked “steady, boring, pays me.” That’s not dumb, but stacking yield, value, and low vol this hard is basically saying, “Please underperform in raging bull markets and bail me out a bit in selloffs.” The contradictory bit: chasing yield can accidentally drag in some junk, but your quality tilt helps offset that. Net-net, this portfolio is built to grind, not sprint, and will probably lag in frothy, speculative periods.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 24.10%
    24.8%
  • Schwab U.S. Dividend Equity ETF
    Weight: 21.70%
    20.2%
  • iShares Core Dividend Growth ETF
    Weight: 17.60%
    16.9%
  • Vanguard Total World Stock Index Fund ETF Shares
    Weight: 9.90%
    9.6%
  • Vanguard High Dividend Yield Index Fund ETF Shares
    Weight: 7.20%
    6.6%
  • Top 5 risk contribution 78.1%

Risk contribution is where we see who’s actually driving the roller coaster. Your top three ETFs, at about 63% combined weight, power roughly 62% of total risk — so at least the heavyweights are honest about it. Risk contribution just measures which holdings move the portfolio when things get noisy, not who looks impressive on a pie chart. There aren’t crazy offenders with tiny weights doing huge damage; instead, the core funds collectively run the show. That said, they’re all similar flavors of US, large-cap, dividend-ish equity, so you’re overpaying in risk space for redundancy. Trimming one or two and clarifying roles could keep risk about the same while simplifying your life.

Redundant positions Info

  • Schwab U.S. Dividend Equity ETF
    iShares Core Dividend Growth ETF
    Vanguard High Dividend Yield Index Fund ETF Shares
    High correlation
  • Vanguard Total World Stock Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

Your asset correlation is basically “same squad, different jerseys.” The dividend ETFs (SCHD, DGRO, VYM analog) are tightly linked, and the S&P 500 rides in tandem with the total world fund dominated by US exposure anyway. Correlation is just how much things move together: +1 is synchronized swimming, 0 is random, -1 is perfect opposites. In a crash, your highly correlated group won’t politely take turns falling; they’ll all dive together. This kills the whole point of owning several funds if they’re just clones in different wrappers. Reducing overlap or adding genuinely different drivers would make downturns less of a single-theme horror show.

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.

On the risk–return chart, you’re technically on the efficient frontier, which means for your specific mix of holdings, you’re not blatantly wasting risk. But the fun part: the optimal portfolio (same ingredients, better recipe) has a Sharpe ratio of 1.0 vs your 0.71. Sharpe is “return per unit of pain” — higher is better. The optimizer shows you could crank expected return to 24% at 23% risk, or even 27.8% at higher risk, just by reweighting, no new toys needed. That doesn’t mean those returns will actually happen; it just exposes how timid your current weights are. You built a sports car, then drive it like a rental Prius.

Dividends Info

  • Apple Inc 0.40%
  • iShares Core Dividend Growth ETF 2.10%
  • Genuine Parts Co 3.00%
  • Lowe's Companies Inc 2.00%
  • Microsoft Corporation 0.90%
  • Procter & Gamble Company 3.00%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Texas Instruments Incorporated 2.90%
  • Vanguard Real Estate Index Fund ETF Shares 3.90%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.40%
  • Weighted yield (per year) 2.13%

Dividend yield at 2.13% is fine but not exactly “retire on the beach” money, especially for such a yield-obsessed lineup. You’ve clearly built for income — SCHD, DGRO, high dividend, REIT exposure — yet you’re only slightly above a plain vanilla equity index. Dividends are nice because they feel like “getting paid,” but the market doesn’t care how you get return: from price growth or cash payouts, it’s all the same mathematically. Overdoing dividend focus can actually reduce growth and push you into stodgy names whose best days are behind them. The lesson: targeting a reasonable yield is fine; worshipping it as the main goal can quietly kneecap total return.

Ongoing product costs Info

  • iShares Core Dividend Growth ETF 0.08%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.05%

Costs are where you accidentally did something very right. A total TER of 0.05% is comically low — like you walked into Wall Street and shoplifted diversification. SCHD at 0.06%, DGRO at 0.08%, the Vanguard stuff basically free by industry standards — you’re not lighting money on fire with fees. TER (total expense ratio) is just the annual cut the fund takes for existing. Over decades, even 0.5% vs 0.05% compounds into a painful gap, so keeping this lean actually matters. You could simplify the lineup further without materially changing this cost level, but at least here, you’re not donating returns to the fee gods.

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