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A portfolio that plays it safe by not straying far from the S&P 500’s shadow

Report created on May 25, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Imagine believing you're the master of diversification because you picked four different funds, only to realize three of them are essentially shadowing the same dance moves. This portfolio is like buying four different brands of vanilla ice cream and expecting a flavor explosion. With over 70% in two funds that track the U.S. market, it's like betting both on the tortoise and the... other tortoise. The "broad diversification" claim feels like calling a pepperoni pizza a balanced meal because it covers both meat and dairy.

Growth Info

With a historic CAGR of 12.04%, this portfolio has been cruising nicely, but it's like celebrating a home run when you started on third base. The S&P 500 has been on a tear, and this portfolio just rode its coattails. But remember, past performance is like rearview mirror driving; it's helpful until you realize you're not looking where you're going. That -34.17% max drawdown is a stark reminder that even smooth rides can hit a pothole.

Projection Info

The Monte Carlo simulation, with its fancy 1,000 different future scenarios, gives us a glimpse into a crystal ball that's been through the dishwasher too many times—useful but foggy. A 50th percentile projection of 379.4% growth sounds like financial nirvana until you remember that simulations assume the road ahead looks a lot like the road behind. And with 984 out of 1,000 simulations positive, it's a bit like predicting snow in Alaska; safe but not particularly insightful.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Stocks, stocks, and more stocks. With 99% in equities, this portfolio is like a diet consisting entirely of steak—exciting at first, but lacking in essential nutrients. The token 1% in cash isn't strategy; it's more like finding a dollar in your winter coat. It's high time to introduce some bonds or real estate into the mix for a little dietary fiber, unless the plan is to ride the stock market roller coaster with no safety harness.

Sectors Info

  • Technology
    27%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Industrials
    10%
  • Telecommunications
    9%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    3%

Tech-heavy, much? With 27% in technology, this portfolio is wearing rose-colored glasses in Silicon Valley. It's like betting on the cool kids in high school to always stay cool. Financial services and consumer cyclicals round out the top three, making it a bit like playing favorites with sectors. Remember, sector performance is cyclical; today's winners can easily become tomorrow's AOLs. Broadening the sector spread wouldn't just be wise; it's essential to avoid a tech wreck 2.0.

Regions Info

  • North America
    79%
  • Europe Developed
    9%
  • Asia Emerging
    4%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

North America takes up 79% of the geographic allocation, making it clear this portfolio thinks 'international exposure' means a weekend trip to Canada. The token allocations to Europe, Asia, and a sprinkle elsewhere are like adding a side salad to a deep-fried meal and calling it balanced. Emerging markets are barely on the radar, which is a missed opportunity for growth and true diversification beyond the familiar shores.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    32%
  • Mid-cap
    18%
  • Small-cap
    3%
  • Micro-cap
    1%

With 45% in mega-caps, this portfolio is like a fan who only cheers for the all-stars. Sure, the big names are more stable, but where's the excitement and growth potential of rooting for an underdog? The small and micro-cap allocations are so minimal, they're practically rounding errors. A little more faith in the smaller companies could spice things up, offering the chance for outsized returns (and yes, outsized risks).

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

The high correlation among the top three holdings makes it look like someone missed the lecture on diversification. It's like buying three different brands of the same car, in the same color. Sure, there's a variety, but when the model gets recalled, you're out of options. Spreading bets across less correlated assets can turn a market downturn from a portfolio apocalypse into a minor setback.

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 Efficient Frontier is a concept that seems to have been overlooked here, much like a gym membership in February. It's all about getting the most bang for your buck, risk-wise. Currently, this portfolio is like driving a gas-guzzler for a two-minute trip; it gets you there, but oh, the inefficiency. A little optimization could go a long way, trimming the fat and boosting those risk-adjusted returns without necessarily dialing up the danger.

Dividends Info

  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard S&P 500 ETF 1.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.62%

The dividend yield strategy here is like finding loose change under the couch cushions; nice to have, but not life-changing. With an overall yield of 1.62%, it's clear that income generation is not the priority, but let's not pretend these dividends are paving the way to financial freedom. A more targeted approach to income-generating assets could help buffer volatility and provide a steady cash flow in retirement.

Ongoing product costs Info

  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

Finally, something to cheer about! The total expense ratio (TER) of 0.03% is like finding an all-you-can-eat buffet that doesn't empty your wallet. It's a rare bright spot in a portfolio that could use some rethinking elsewhere. Low costs are crucial for long-term growth, so at least on this front, it's like acing an open-book test.

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