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A portfolio that loves S&P 500 more than variety, thinking diversification is just a fancy word

Report created on Jun 8, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

This portfolio is like a broken record, playing the S&P 500 hit over and over again. With over half of the portfolio in the Vanguard S&P 500 ETF alone, it’s like betting on the same horse in every race. Sure, the S&P 500 is a solid steed, but ever heard of not putting all your eggs in one basket? This approach screams, "I heard index funds are good," without much thought on diversification beyond that. A little variety wouldn’t hurt, unless the goal was to create a portfolio with the creativity of a beige wall.

Growth Info

Historically, this portfolio’s been riding high with a CAGR of 15.24%, but let's not get too comfortable. The max drawdown of -34.02% is like a reality check that says, "What goes up, can also come crashing down." Relying heavily on a few assets means when they sneeze, your portfolio catches a cold. And those 15 days making up 90% of returns? It's like winning the lottery; great when it happens, but not a strategy to bank on.

Projection Info

Monte Carlo simulations sound fancy, but they're just educated guesses. With projections ranging from a meager 4.1% to an eye-watering 251.2% at the median, it's like saying your portfolio could either buy you a latte or a Lambo. But remember, simulations are as good at predicting the future as a fortune cookie. They're useful for stress tests, not guarantees. The wide range suggests you've got a portfolio that could either be a rocket or a rollercoaster.

Asset classes Info

  • Stocks
    98%
  • Bonds
    2%

With 98% in stocks, this portfolio treats bonds like that one friend you forget to invite to parties. A mere 2% in bonds? That's not balance; it's a token gesture. And cash? Non-existent. This is like driving without a seatbelt, thrilling until you hit a bump. A little more in bonds or even some cash could act like shock absorbers for when the market roads get rough.

Sectors Info

  • Technology
    26%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation is like a kid's first attempt at a balanced diet, heavy on the sweets (technology at 26%) and light on the veggies. Financial services and consumer cyclicals are the portfolio's attempt at "eating well," but there's a clear tech addiction here. In a tech downturn, this portfolio would be like a sugar rush followed by a crash. Mixing in some less volatile sectors could prevent that portfolio hangover.

Regions Info

  • North America
    85%
  • Europe Developed
    6%
  • Asia Emerging
    3%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

This portfolio has a home-country bias that would make Uncle Sam blush, with 85% in North America. It's like thinking the world ends at the border. Sure, the U.S. market is a powerhouse, but ignoring the rest of the globe is like refusing to eat any food that's not American. The world's a big place, and there's growth and diversification to be found beyond the stars and stripes.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    30%
  • Mid-cap
    16%
  • Small-cap
    6%
  • Micro-cap
    4%

Mega and big caps dominate this portfolio like giants in a playground, making up 72% of the allocation. It's like preferring blockbuster movies over indie films; safer bets, but you miss out on potential hidden gems. The small and micro caps are the underdogs here, and while they're riskier, they can offer growth that the big guys can't match. A bit more balance wouldn't hurt, unless you're aiming for the investment equivalent of only watching Marvel movies.

Redundant positions Info

  • iShares Core S&P Total U.S. Stock Market ETF
    Vanguard S&P 500 ETF
    High correlation
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares
    Schwab Intermediate-Term U.S. Treasury ETF
    High correlation
  • SPDR S&P World ex US
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation

The portfolio's love affair with highly correlated assets is like wearing belts and suspenders; overly cautious and somewhat redundant. With assets like the Vanguard S&P 500 ETF and iShares Core S&P Total U.S. Stock Market ETF moving in lockstep, you're not diversifying; you're duplicating. It's time to break up some of these pairings and see other people—err, assets. This would be like discovering there's more to music than just your favorite band's top hits.

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.

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Talking about Efficient Frontier optimization for this portfolio is like trying to teach a cat to swim; it's technically possible, but good luck. The heavy overlap in correlated assets suggests a misunderstanding of diversification. It's not just about collecting ETFs like Pokémon cards; it's about how they work together. Before even thinking about optimization, let's address the elephant in the room and declutter those redundancies. It’s like realizing you don’t need ten different types of black t-shirts.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.80%
  • iShares Core MSCI Emerging Markets ETF 2.90%
  • iShares Core S&P Total U.S. Stock Market ETF 1.20%
  • Schwab Intermediate-Term U.S. Treasury ETF 3.50%
  • SPDR S&P World ex US 2.70%
  • Invesco S&P 500® Momentum ETF 0.50%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 3.80%
  • Vanguard S&P 500 ETF 1.30%
  • Vanguard Extended Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.52%

The portfolio's dividend yield of 1.52% is like finding loose change in the couch; nice to have, but not life-changing. It's clear that dividends weren't a priority here, which is fine if you're chasing growth. But even growth investors can appreciate the steady income and compounding benefits dividends offer. It's like ignoring a reliable, though not particularly exciting, stream of income. A little more attention to dividends could add some nice padding to the portfolio's bottom line.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Core MSCI Emerging Markets ETF 0.09%
  • iShares Core S&P Total U.S. Stock Market ETF 0.03%
  • Schwab Intermediate-Term U.S. Treasury ETF 0.03%
  • SPDR S&P World ex US 0.03%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Extended Market Index Fund ETF Shares 0.06%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

At least you're not throwing money away on fees, with a Total Expense Ratio (TER) of 0.06%. It's one of the few areas where this portfolio doesn't need a wake-up call. Keeping costs low is like buying generic brands; the savings add up over time. This is a rare moment of financial wisdom in a portfolio that otherwise seems to play fast and loose with diversification and risk management.

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