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A Vanguard love affair with a side of tech obsession and geographical tunnel vision

Report created on Aug 5, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio screams "I love Vanguard" louder than a teenager's first Spotify playlist screams "I love Billie Eilish." With an overwhelming majority of Vanguard ETFs and funds, it's like attending a buffet and only eating the bread. Sure, Vanguard is great for its low-cost index funds, but there's a whole world of flavors out there. The heavy lean on consumer staples and tech indicates a personality split between craving safety and longing for Silicon Valley dreams. Diversification isn't just about spreading your bets across different numbers; it's about not putting all your chips on red or black.

Growth Info

Historically, this portfolio has performed like a B+ student — respectable with a 11.16% CAGR but not exactly valedictorian material. The max drawdown of -29.39% is like that one semester where things went a bit off the rails. The fact that 90% of returns came from 17 days is the financial equivalent of cramming for finals and hoping for the best. It's been a good ride, but past performance is as reliable as a weather forecast during a climate crisis. Just because it rained money before doesn't mean you won't need an umbrella tomorrow.

Projection Info

Looking forward with a Monte Carlo simulation, which is essentially a fancy way of saying "let's make 1,000 educated guesses," this portfolio shows promise but also volatility. The 5th percentile at 11.5% growth feels like showing up to a party and finding out it's non-alcoholic, while the 50th percentile at 309% growth is the financial equivalent of your favorite uncle slipping you a $100 bill. It's a broad spread, indicating you might end up anywhere from a modest studio apartment to a penthouse, depending on how the dice roll.

Asset classes Info

  • Stocks
    80%
  • Bonds
    14%
  • Real Estate
    5%
  • Cash
    1%

With 80% in stocks, 14% in bonds, and a smattering in real estate and cash, this portfolio is like a diet consisting mostly of meat with a few veggies — hearty but potentially lacking balance. The heavy stock allocation is great for growth (and heartburn), but the bond and real estate side dishes offer some much-needed fiber. Just remember, too much of a good thing (like tech stocks) can lead to an unbalanced diet, and suddenly you're wondering why your financial health is a bit wobbly.

Sectors Info

  • Technology
    22%
  • Consumer Staples
    17%
  • Financials
    14%
  • Health Care
    8%
  • Real Estate
    7%
  • Industrials
    7%
  • Telecommunications
    5%
  • Consumer Discretionary
    4%
  • Energy
    3%
  • Utilities
    2%
  • Consumer Discretionary
    2%
  • Basic Materials
    2%

The sector allocation has a tech-heavy tilt, making it seem like someone's betting the farm on Silicon Valley. With 22% in technology and significant nibbles in consumer defensive and financial services, it's like building a castle with one massive tower and a couple of small outbuildings. Sure, the view from the tech tower might be fantastic, but if an earthquake hits (read: market crash), you'll wish you'd spread the foundations out a bit more.

Regions Info

  • North America
    86%
  • Europe Developed
    4%
  • Japan
    1%
  • Asia Emerging
    1%
  • Asia Developed
    1%

With 86% in North America, this portfolio has the global diversity of a 1950s sitcom. Investing almost exclusively in your backyard might feel cozy, but it's like refusing to eat anything that's not from your local grocery store. Europe, Asia, and emerging markets are more than just exotic vacation spots; they're opportunities to spread risk and potentially enhance returns. Remember, the world is bigger than your neighborhood.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    28%
  • Mid-cap
    21%
  • Small-cap
    5%
  • Micro-cap
    3%

The market cap tilt towards mega (29%) and big (28%) caps is like going to a concert and only seeing the headliners. Yes, they're reliable and put on a good show, but sometimes the opening acts (medium, small, and micro caps) are where the real magic happens. This conservative approach might miss out on the explosive growth potential of smaller companies, akin to skipping the first half of a music festival.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Vanguard Information Technology Index Fund ETF Shares
    Invesco QQQ Trust
    High correlation
  • Vanguard Balanced Index Fund Admiral Shares
    Vanguard Russell 3000 Index Fund ETF Shares
    High correlation

Having assets that move in lockstep like 'Vanguard Growth Index Fund ETF Shares', 'Vanguard Information Technology Index Fund ETF Shares', and 'Invesco QQQ Trust' is like having a choir where everyone sings the same note. Sure, it's loud, but the lack of harmony (diversification) could leave your portfolio exposed to a single market downturn. The overlap between 'Vanguard Balanced Index Fund Admiral Shares' and 'Vanguard Russell 3000 Index Fund ETF Shares' is another choir singing slightly off-key, highlighting the need for a more nuanced diversification strategy.

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 portfolio's current state is like a well-meaning but slightly disorganized closet. It's got all the essentials, but things could be optimized for better access and use. The overlap in highly correlated assets suggests a need to declutter. Before chasing new investments, consider a Marie Kondo approach: if an asset doesn't spark joy (or diversification), it might be time to thank it for its service and let it go. A more streamlined portfolio could reduce redundancy, potentially leading to a more efficient risk-return profile.

Dividends Info

  • Vanguard Total World Bond ETF 4.00%
  • Invesco QQQ Trust 0.50%
  • Vanguard Balanced Index Fund Admiral Shares 1.60%
  • Vanguard Consumer Staples Index Fund ETF Shares 2.30%
  • Vanguard U.S. Multifactor Fund Admiral Shares 3.00%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard Real Estate Index Fund ETF Shares 3.90%
  • Vanguard ESG International Stock 2.90%
  • Vanguard Russell 3000 Index Fund ETF Shares 1.10%
  • Vanguard Value Index Fund ETF Shares 2.20%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Wellesley Income Fund 2.70%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 4.10%
  • Weighted yield (per year) 2.11%

The dividend yield strategy here is like finding loose change under the couch cushions — nice to have but not exactly life-changing. With a total yield of 2.11%, it's not going to fund a lavish retirement, but it's a start. This approach is akin to a conservative savings account, providing a steady trickle rather than a torrent. It's important to remember that dividends are just one piece of the total return puzzle, and sometimes the pieces need rearranging.

Ongoing product costs Info

  • Vanguard Total World Bond ETF 0.05%
  • Invesco QQQ Trust 0.20%
  • Vanguard Balanced Index Fund Admiral Shares 0.07%
  • Vanguard Consumer Staples Index Fund ETF Shares 0.10%
  • Vanguard U.S. Multifactor Fund Admiral Shares 0.18%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard ESG International Stock 0.12%
  • Vanguard Russell 3000 Index Fund ETF Shares 0.10%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Wellesley Income Fund 0.23%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.10%

Costs are under control, like a disciplined diet of home-cooked meals instead of splurging on takeout. With total TER at 0.10%, it's clear that someone's been penny-pinching, which is commendable in the world of investing. Keeping costs low is like avoiding hidden fees on a phone bill — it doesn't make it fun, but it does make it less painful. This is one area where the portfolio shines, proving that sometimes the best action is knowing when not to overspend.

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