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This portfolio: A globetrotting adventure with a heavy home bias and a side of unnecessary duplication

Report created on Jul 22, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Kudos for trying to paint the globe with your investment strokes, but it seems like you've accidentally spilled half the paint can over the US. With over 60% in North America and a heavy tilt towards large caps, your portfolio is like that friend who says they love to travel but only ever goes to Florida. Diversity is more than just adding international ETFs; it's about balance and not just stacking similar assets like pancakes.

Growth Info

With a historical CAGR of 9.51%, this portfolio might seem like it's doing fine until you realize that the max drawdown is a gut-wrenching -24.84%. This is the investment equivalent of enjoying a roller coaster until it goes off the rails. Those ten days making up 90% of returns? That's not strategy; that's luck. It's like betting on green at the roulette table and winning once in a blue moon.

Projection Info

Monte Carlo simulations are like peering into a crystal ball, but with math. Your portfolio's future looks like a wild party with a 222.7% median increase but remember, that's in the universe where unicorns exist. In the real world, the range from a mere 0.3% to a whopping 337.6% suggests volatility is your uninvited guest. Betting on such a wide range of outcomes is like playing darts blindfolded; you might hit the bullseye, or you might hit the bartender.

Asset classes Info

  • Stocks
    100%

All in on stocks, huh? With 100% of your portfolio screaming "equities," you're like the person who only eats meat and wonders why their diet isn’t balanced. A sprinkle of bonds or even a dash of real estate could save you from indigestion when the stock market takes a dive. Remember, even the most carnivorous among us can benefit from a little greenery.

Sectors Info

  • Technology
    25%
  • Financials
    19%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    7%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    1%

Your sector allocation is like a diet heavy in technology and financial services, with a side of industrials. It's nutritious, but you're missing out on the full buffet. Overloading on tech and finance is like skipping leg day; everything might look good up top, but you're not as balanced as you think. A little more variety wouldn’t hurt; maybe sprinkle some utilities or consumer staples for stability.

Regions Info

  • North America
    60%
  • Europe Developed
    12%
  • Asia Developed
    9%
  • Asia Emerging
    6%
  • Japan
    6%
  • Africa/Middle East
    3%
  • Latin America
    2%
  • Australasia
    2%
  • Europe Emerging
    1%

While you’ve made an effort to sprinkle your investments across the globe, the 60% allocation to North America is like saying you're adventurous because you once ate sushi. Sure, you've got bits and pieces everywhere, but the heavy home bias could leave you vulnerable to regional downturns. Branching out could be the spice your investment life needs.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    29%
  • Mid-cap
    17%
  • Small-cap
    8%
  • Micro-cap
    4%

Your portfolio's cap-weighted towards the giants, with 40% in mega-caps. This is like only hanging out with the popular kids; it's cool until they fall out of favor. Sure, big companies can be stable, but your minor flirtation with small and micro-caps (12% combined) is like acknowledging there are other fish in the sea but still dating the same type. A little more love for the underdogs could round out your game.

Redundant positions Info

  • Dimensional International Core Equity Market ETF
    Avantis® International Small Cap Value ETF
    High correlation
  • iShares Core S&P 500 ETF
    Dimensional U.S. Equity ETF
    Vanguard S&P 500 ETF
    High correlation

Ah, the classic mistake of collecting ETFs like they're Pokémon cards without realizing half of them are duplicates. The high correlation between your S&P 500 ETFs and the Dimensional funds means you're essentially buying the same thing in different packages. It's like owning ten different black t-shirts and calling it a wardrobe. Time to diversify your 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.

Before you even think about optimizing for the Efficient Frontier, let's talk about trimming the fat. Those overlapping assets aren’t doing you any favors. It's like trying to improve your car's performance by adding more engines instead of fine-tuning what you have. Streamline your holdings, and then we can talk about finding that sweet spot of risk and return.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Dimensional International Core Equity Market ETF 2.60%
  • Dimensional U.S. Equity ETF 1.00%
  • iShares MSCI Emerging Markets ex China 2.70%
  • iShares Core S&P 500 ETF 1.30%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.86%

A total yield of 1.86% is nothing to sneeze at, but let's not pretend it's the golden goose. Relying on dividends from a heavily stock-weighted portfolio is like hoping for a steady rain in the desert; it might happen, but you probably shouldn't build your house there. A more balanced approach could offer a steadier stream without betting the farm on equity performance.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Dimensional International Core Equity Market ETF 0.18%
  • Dimensional U.S. Equity ETF 0.09%
  • iShares MSCI Emerging Markets ex China 0.25%
  • iShares Core S&P 500 ETF 0.03%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.15%

With a total TER of 0.15%, at least you're not throwing money out the window on fees. This is like finding a decently priced meal at a tourist trap; you're still in the trap, but at least you're not overpaying for the experience. Congratulations on being cost-aware in a world that often feels like everyone's trying to pick your pocket.

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