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A growth heavy portfolio wearing a balanced name tag and hoarding way too many lookalike funds

Report created on Dec 27, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This setup looks like someone built a perfectly fine three‑fund portfolio then couldn’t resist adding “just one more” eight times. You’ve basically got Total US, S&P 500, S&P 500 Growth, plus small cap value and multiple overlapping international funds all wrestling over the same dollars. For something labeled “balanced,” 99% in stocks and real estate is borderline truth‑in‑advertising fraud. Structurally it’s closer to a growth engine with a side of REITs than a true middle‑of‑the‑road mix. Cleaning this up means deciding which broad US fund you actually want, which single international core you trust, and then keeping only the tilts that genuinely change the behavior of the portfolio.

Growth Info

On paper, the historical numbers look pretty heroic: an 11.9% CAGR is “everything went right” territory. CAGR (Compound Annual Growth Rate) is just the average yearly growth rate of the portfolio, like your long‑term average speed on a road trip with traffic jams and sprints. A max drawdown of about –25% is spicy but not insane for an equity‑heavy mix; it’s basically what happens when markets remind you they can still hurt feelings. The catch: this is all backward‑looking. Past data is like yesterday’s weather forecast for next month’s vacation. It’s useful context, not a promise. A sanity check would be: can someone holding this tolerate another –30% hit without panic‑selling their future?

Projection Info

The Monte Carlo results paint a classic “mostly good but not guaranteed” picture. Monte Carlo just means running thousands of random what‑if market paths to see how often things don’t blow up. A median outcome of roughly +277% and an average simulated annual return around 11.5% screams “growth‑oriented, buckle up.” But that 5th percentile at +18% is the universe politely reminding you that bad timing plus bad luck can turn “I’m a long‑term investor” into “why is this barely up after a decade?” Simulations are built from historical patterns, and markets don’t sign a contract to repeat those. The key takeaway: this setup is tilted toward high long‑term reward only if someone can emotionally survive the ugly paths.

Asset classes Info

  • Stocks
    94%
  • Real Estate
    5%
  • Cash
    1%

Calling this “balanced” with 94% in stocks and 5% in real estate is like calling a sports car “family friendly” because it has a trunk. You’ve basically built an almost pure equity rocket with a small REIT garnish and a 1% cash rounding error. Stocks drive both the upside and the pain; there’s almost no shock absorber here from bonds or true defensive assets. That’s fine for long horizons and iron stomachs, but absolutely not fine for anyone who panics when red numbers show up. If the label says “Balanced,” then at some point the underlying mix probably should consider including at least a modest allocation to lower‑volatility assets instead of just saying “we have REITs, that counts, right?”

Sectors Info

  • Technology
    24%
  • Financials
    16%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Telecommunications
    7%
  • Health Care
    7%
  • Real Estate
    7%
  • Energy
    5%
  • Basic Materials
    5%
  • Consumer Staples
    4%
  • Utilities
    2%

Sector spread is actually not terrible but still very growth‑flavored. Tech at 24% is your main addiction, followed by a pretty chunky 16% in financials and 12% in industrials. That’s roughly in the same galaxy as broad market indexes, but with a noticeable lean into “things that do great when the economy behaves” and less love for dull but steady areas like consumer defensive and utilities. It’s like building a team of sprinters and forgetting about defenders. When growth, rates, or sentiment crack, tech and cyclicals can fall together and drag the whole portfolio down. Periodically checking whether this sector tilt still matches someone’s risk comfort would be wiser than just letting tech keep eating the pie.

Regions Info

  • North America
    70%
  • Europe Developed
    12%
  • Japan
    6%
  • Asia Emerging
    4%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this is very much “America runs the show” with 70% in North America and the rest sprinkled politely around the globe. For a US‑based investor, that’s pretty normal home bias, but let’s not pretend it’s aggressively global. Developed Europe at 12% and Japan at 6% give some grown‑up diversification, and a small 4% in emerging Asia plus the tiny slices in Latin America and Africa/Middle East are like exotic seasoning rather than a real allocation. The good news: this isn’t an all‑USA YOLO. The bad news: if the US stumbles hard or underperforms a decade, this mix will feel it. A simple check: is the goal “US‑centric with a global side dish,” or should it be closer to equal weighting by global market size?

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    25%
  • Mid-cap
    20%
  • Small-cap
    12%
  • Micro-cap
    7%

The market cap mix is actually one of the more interesting parts: 35% mega, 25% big, 20% mid, 12% small, 7% micro. That’s not just hugging the S&P 500; the deliberate tilt into small and micro says, “I like volatility and long‑run outperformance stories.” Small and micro caps are like startup neighborhoods: huge upside when times are good, boarded windows when recessions hit. Combined with the value‑tilt funds, you’ve basically said, “Give me the full factor‑nerd experience,” even if the rest of the portfolio design is cluttered. That’s fine for someone with a long horizon and nerves of steel, but this is not the setup for anyone needing predictability over the next 5–10 years.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Vanguard FTSE Developed Markets Index Fund ETF Shares
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation
  • Vanguard S&P 500 Growth Index Fund ETF Shares
    Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

Your correlation picture says the quiet part out loud: several holdings are just clones wearing different tickers. The US trio (Total Market, S&P 500, S&P 500 Growth) are all dancing to the same tune; the international trio (Total International, FTSE Developed, International Small Value partly) pile into the same regions. Correlation just means assets moving together; highly correlated funds give emotional comfort via extra ticker symbols but almost no extra protection when markets fall. When things crash, these groups will likely sink in sync, not heroically save the day. A cleaner structure would use one core US fund and one core international fund, then only keep tilts (like small value) that actually change risk/return rather than duplicating the same exposure three times.

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.

In risk‑return terms, this thing is more “enthusiastic” than “efficient.” The Efficient Frontier is just the curve of portfolios that give the most return for each level of risk, like the best gas mileage for each speed. You’re taking a near‑all‑equity level of risk for what is essentially a slightly dressed‑up global stock market return with overlapping exposures. Not terrible, but not exactly optimized. There’s a clear path to improve: strip out redundant US and international funds, decide how much small/value tilt is actually desired, and then decide whether “Balanced” should mean adding genuinely lower‑volatility assets. Right now, you’re paying in volatility for complexity that doesn’t fully translate into better long‑term risk‑adjusted outcomes.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® Emerging Markets Value ETF 3.20%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 3.20%
  • Vanguard Real Estate Index Fund ETF Shares 3.90%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard S&P 500 Growth Index Fund ETF Shares 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.20%
  • Weighted yield (per year) 1.91%

A total yield around 1.9% is the financial equivalent of “don’t quit your day job.” You’ve clearly prioritized growth over income, which aligns with the rest of the design. Dividends can be nice as a “market paying you rent” stream, but obsessing over them often leads to junky, high‑yield traps. You’ve avoided that mess, so points for not chasing yield like a coupon addict. Still, anyone dreaming of living off this cash flow anytime soon is in fantasy land. This setup is a reinvest‑everything growth engine, not a paycheck machine. If future income is a goal, some separate plan for building higher, steadier yield later will be much more realistic than forcing this mix to do both jobs now.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard S&P 500 Growth Index Fund ETF Shares 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

Costs are where this thing pretends to be a saint: a 0.10% overall TER is impressively low, especially given the number of funds cluttering the screen. It’s like you wandered into the factor‑investing aisle and somehow dodged the usual 0.5%+ fee punch. Vanguard’s cheap core ETFs do the heavy lifting, while the Avantis funds charge more but still sit in “painful but tolerable” territory for active-ish tilts. The funny part is you’re paying for complexity you don’t fully need. Simplifying overlapping funds could probably keep the total fee about the same while making the portfolio easier to understand, manage, and stick with when markets test your patience. Cheap is good; cheap and simple is better.

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