A portfolio that thinks ESG is the golden ticket but forgets the rest of the alphabet
Report created on Sep 7, 2025Risk profile
5/7
Diversification profile
4/5
Positions
-
ES Vanguard ESG US Stock
ESGV - US9219107334 60.00% -
VS Vanguard ESG International Stock
VSGX - US9219107250 40.00%
Two ETFs walk into a bar — one's all about the U.S., and the other's got an international flair. Sounds like a good start, right? But then you realize they're both wearing the same ESG badge, and that's the whole conversation. With 60% parked in U.S. ESG stocks and 40% in their global counterparts, this portfolio is like ordering a burger and fries at a Michelin-star restaurant — it's playing it safe in a world full of flavors. Broad diversification? More like a narrow escape from the adventurous world of investing.
Growth
With a CAGR of 12.49%, this portfolio might seem like it's on a hot streak. But let's not get ahead of ourselves. That -33.13% max drawdown is like a hidden tripwire in what seemed like a pleasant stroll. And relying on 17 days for 90% of your returns? That's not investing; that's gambling on a meteorological miracle. It's like enjoying sunny weather without realizing a hurricane could hit at any moment.
Projection
Monte Carlo simulations are like those choose-your-own-adventure books, but for your money. With projections ranging from a 22.5% increase (ouch) to a 311.9% surge (hello, retirement!), the spread is wider than the Grand Canyon. But remember, with 974 out of 1000 simulations ending in the green, it might feel reassuring, but it's also like trusting weather forecasts in an unpredictable climate. Always pack an umbrella, or in this case, a more diversified portfolio.
Asset classes
- Stocks 99%
- Cash 1%
With 99% in stocks and a lonely 1% in cash, this portfolio is like a party that forgot to invite anyone outside the cool clique. Stocks are great and all, but where's the bond brigade? The real estate revelers? This one-track mind approach to asset classes is like trying to win a marathon on a pogo stick — fun until you realize everyone else is using their whole body.
Sectors
- Technology 30%
- Financials 20%
- Consumer Discretionary 12%
- Health Care 10%
- Telecommunications 9%
- Industrials 6%
- Consumer Staples 5%
- Real Estate 3%
- Basic Materials 3%
Tech-heavy with a side of financial services and a sprinkle of consumer cyclicals, this sector spread is like a diet consisting mainly of carbs. Sure, it's energy-packed, but where are the vitamins and minerals? Or, in investment terms, the stabilizing sectors that don't crash as hard when the tech bubble burps? Diversity in diet, like in investing, keeps you healthy during flu season — or market downturns.
Regions
- North America 62%
- Europe Developed 15%
- Japan 7%
- Asia Emerging 6%
- Asia Developed 5%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
With a whopping 62% in North America and a timid spread across the globe, this portfolio's geography lesson was clearly cut short. It's like planning a world tour and only making it as far as Canada. Yes, developed Europe and Japan get a nod, but the emerging markets are like distant relatives — barely acknowledged. Global diversification doesn't mean having a layover in another country; it means staying awhile and exploring.
Market capitalization
- Mega-cap 45%
- Large-cap 29%
- Mid-cap 17%
- Small-cap 5%
- Micro-cap 1%
Mega and big caps dominate, making this portfolio as top-heavy as a skyscraper with a penthouse obsession. It's great for stability in windy conditions, but what about growth potential? Small and micro caps are the seeds of tomorrow's giants, yet they're given the same attention as a fine print disclaimer. Balancing market caps is like dieting — if all you eat are salads, you'll miss out on essential nutrients (or, in this case, growth opportunities).
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.
Efficiency in a portfolio isn't about packing it with the latest ESG darlings; it's about finding the right mix of risk and return. This portfolio, while trendy, is like a one-trick pony that forgot the rest of the circus. The Efficient Frontier isn't just a cool-sounding term; it's about maximizing returns for the level of risk you're comfortable with. Right now, this portfolio is like driving with one foot on the gas and the other on the brake.
Dividends
- Vanguard ESG US Stock 1.00%
- Vanguard ESG International Stock 2.80%
- Weighted yield (per year) 1.72%
A total yield of 1.72% is like finding loose change in the couch — nice, but you won't be funding a vacation with it. Especially with ESG's focus, dividends take a backseat to principles. It's commendable but remember, cash flow can be king in rough market seas. Relying solely on capital gains is like expecting a garden to water itself. Sometimes, you need a hose — or in this case, a more robust dividend strategy.
Ongoing product costs
- Vanguard ESG US Stock 0.09%
- Vanguard ESG International Stock 0.12%
- Weighted costs total (per year) 0.10%
Here's a rare bouquet in this roast: the costs are impressively low, with a total TER of 0.10%. It's like finding a luxury car that sips gas like a scooter. In a world where fees can eat into your returns like termites in a wooden house, this portfolio stands out for its cost efficiency. Bravo! Now, if only the same attention to detail was paid to diversification and asset allocation.
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