A portfolio that's like a one-trick pony but thinks it's in a diversified circus
Report created on Jun 12, 2025Risk profile
4/7
Diversification profile
4/5
Positions
-
AV Avantis® U.S. Equity ETF
AVUS - US0250728856 50.00% -
AV American Century ETF Trust
AVNM - US0250721745 30.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
Diving into this portfolio is like opening a mystery novel and finding out the plot is just a series of predictable events. With half of your eggs in the Avantis® U.S. Equity ETF basket, it's clear you've mistaken "putting all your eggs in one basket" for sound investment advice. The remaining half is a haphazard mix of American Century, international small cap, and U.S. small cap value ETFs. The attempt at diversification is like trying to spice up vanilla ice cream with more vanilla.
Growth
Your portfolio's historical performance, boasting a CAGR of 16.89%, might have you walking around with a bit of a swagger. But remember, even a broken clock is right twice a day. The max drawdown of -16.73% should serve as a humble pie, reminding you that past performance is as reliable as a weather forecast in the Sahara — unpredictably predictable.
Projection
Monte Carlo simulations might sound like a fancy casino game, but they're actually a way to predict your portfolio's future performance using random outcomes. Your portfolio's 50th percentile outcome at a whopping 799.6% increase sounds like you've hit the jackpot without playing the slots. However, relying solely on these projections is like planning your retirement around a lottery win — optimistic but impractical.
Asset classes
- Stocks 100%
Stocks, stocks, and more stocks. Your portfolio's asset class diversity is as rich as a diet consisting solely of potatoes. While it's commendable that you're bullish on equities, the total absence of bonds, cash, or "other" investments is like sailing without a lifejacket. You might not be afraid of the water, but it's always wise to plan for a storm.
Sectors
- Financials 21%
- Technology 15%
- Industrials 15%
- Consumer Discretionary 14%
- Energy 7%
- Telecommunications 7%
- Basic Materials 7%
- Health Care 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 1%
Your sector allocation reads like a who's who of the stock market, yet with financial services and technology taking the lead, it seems you've got a bit of a tech-finance crush. While industries like healthcare and consumer defensive are sitting at the kids' table, remember, even Cinderella can be the belle of the ball. Overlooking these could be your missed opportunity.
Regions
- North America 62%
- Europe Developed 16%
- Japan 8%
- Asia Emerging 5%
- Asia Developed 4%
- Australasia 3%
- Latin America 1%
- Africa/Middle East 1%
With 62% of your assets waving the American flag, your portfolio's geographic allocation is like believing the world ends at the U.S. border. The smattering of international exposure does little to counterbalance this home bias. Remember, there's a whole world out there — exploring it could not only broaden your horizons but potentially your returns, too.
Market capitalization
- Mega-cap 25%
- Mid-cap 25%
- Large-cap 22%
- Small-cap 16%
- Micro-cap 7%
Your market cap allocation is like a confused teenager: not sure whether it wants to hang out with the cool big caps or the edgy small caps. With a spread across mega, medium, big, small, and micro, it seems like you're trying to play every position on the field. However, without a clear strategy, you might just end up running in circles.
Redundant positions
-
High correlationAvantis® International Small Cap Value ETFAmerican Century ETF Trust
The high correlation between your international small cap and American Century ETFs is like dating two people who are practically the same; it adds drama without the benefit of diversification. This redundancy is the financial equivalent of paying for two streaming services when one would suffice. Streamline your love life, and your portfolio, by cutting out the overlap.
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.
Your portfolio's attempt at optimization is like trying to improve a recipe without tasting the food. Sure, the theoretical expected return of 20.71% sounds delicious, but without addressing the high correlation and lack of true diversification, you're essentially adding more salt in hopes of making it sweet. Time to get back in the kitchen and actually taste what you're cooking.
Dividends
- Avantis® International Small Cap Value ETF 3.60%
- American Century ETF Trust 3.00%
- Avantis® U.S. Equity ETF 1.30%
- Avantis® U.S. Small Cap Value ETF 1.80%
- Weighted yield (per year) 2.09%
Your dividend yield strategy is like finding loose change under the couch cushions — nice to have, but you won't be funding any vacations with it. While a total yield of 2.09% is nothing to sneeze at, relying on it for significant income is like hoping those couch coins will add up to a new car. It's time to reassess your income strategy.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- American Century ETF Trust 0.31%
- Avantis® U.S. Equity ETF 0.15%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Weighted costs total (per year) 0.23%
The total TER of 0.23% is one of the few commendable features of your portfolio, like finding a brand-name item at a discount store. It's a reminder that sometimes, you can get quality without overpaying. Keep this frugality in mind as you reassess other parts of your investment strategy.
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