A two-trick pony in the ETF rodeo with a fear of the unknown
Report created on Jul 15, 2025Risk profile
4/7
Diversification profile
4/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 80.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00%
Placing 80% of your bets on the S&P 500 and the remaining 20% on international stocks is like saying you're adventurous because you have a map of the world in your living room. Sure, it looks diversified at a glance, but it's more like putting all your eggs in two slightly different baskets. It's a conservative move masquerading as a bold strategy. Broadly diversified? More like narrowly sidestepped.
Growth
With a CAGR of 12.96%, it seems like you've been riding the bull market with a bit of style. But that -33.90% max drawdown is a harsh reminder that even the prettiest rides can buck you off hard. Those 28 days making up 90% of returns? It's like winning the lottery on your first try and then never buying a ticket again because you're "lucky."
Projection
The Monte Carlo simulation, with its fancy 1,000 scenarios, is telling you that there's a chance you could end up with a 282.1% increase at the median. But remember, it also suggests you might just get a 23.2% increase at the 5th percentile. Betting on this portfolio for your future is a bit like planning to marry royalty because you once got a letter from Buckingham Palace.
Asset classes
- Stocks 99%
- Cash 1%
99% stocks and 1% cash? It's like you're almost allergic to anything that isn't equities. While it's great for growth, it's like going on a road trip with no spare tire. Sure, the ride might be smooth, but when trouble hits, you'll wish you had some bonds or alternative assets to call on.
Sectors
- Technology 29%
- Financials 16%
- Consumer Discretionary 11%
- Industrials 9%
- Health Care 9%
- Telecommunications 9%
- Consumer Staples 6%
- Energy 3%
- Basic Materials 3%
- Utilities 3%
- Real Estate 2%
Your sector allocation is like a tech-heavy playlist on repeat. With 29% in technology, it's clear where your heart lies. But what about when the tech sector hits a sour note? Your portfolio could use a bit more genre diversity to avoid a one-hit wonder scenario.
Regions
- North America 81%
- Europe Developed 8%
- Asia Emerging 3%
- Japan 3%
- Asia Developed 2%
- Australasia 1%
- Africa/Middle East 1%
81% in North America? It seems like you think the world market revolves around the USA. With only a sprinkle in other regions, your global exposure is more like a homebody with a pen pal overseas. Time to truly stamp that passport and balance the geographical allocation.
Market capitalization
- Mega-cap 46%
- Large-cap 34%
- Mid-cap 18%
- Small-cap 1%
Your love affair with mega and big caps, making up 80% of your portfolio, is like only watching blockbuster movies. Sure, they're usually hits, but you're missing out on the indie darlings that could give your portfolio that unexpected Oscar winner. A little more small and medium cap could spice things up.
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 efficiency is like a car that only drives in first gear. Sure, you're moving, but are you getting anywhere fast? The lack of true diversification means you're not optimizing for the best risk-return mix. It's time to shift gears and explore other investment avenues for a smoother ride.
Dividends
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.52%
A total yield of 1.52% is not too shabby, but relying on dividends from this set-up is like expecting gourmet meals while only shopping at the convenience store. Sure, you'll eat, but will it be satisfying? Diversifying into higher-yielding assets could make for a more sumptuous feast.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.03%
Kudos for keeping costs low with a Total TER of 0.03%. It's like finding a designer suit at thrift store prices. While it's great not to overpay for management, remember that cost isn't everything. Even a cheap suit needs to fit well, and so does your portfolio strategy.
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