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A monochrome masterpiece in a world begging for color

Report created on Jul 18, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

Your portfolio is like a classic rock playlist in a Spotify era: safe, predictable, and a tad unexciting. With 95% of your assets wrapped up in three Vanguard ETFs that probably attend the same family reunions, it's less diversified and more of a mutual appreciation society. The tiny sprinkle of Russell 2000 exposure is like adding a single chili flake to an otherwise bland dish and calling it spicy. It's time to remix this portfolio to truly diversify.

Growth Info

With a CAGR of 14.42%, your portfolio has been like that reliable old car that gets you from A to B without much fuss. However, with days that make up 90% of returns numbering just 31, it's like your portfolio is sprinting during commercials and napping through the show. This kind of performance might look good in rearview, but remember, investing is about the road ahead, not the one behind.

Projection Info

Monte Carlo simulations serve up future possibilities like a fortune cookie, vague and varied. With your portfolio's key percentiles ranging from "could've done better" to "let's pop the champagne," it's clear there's potential. Yet, with 988 out of 1,000 simulations positive, it sounds too good to be a drama-free ride. Remember, simulations are educated guesses, not promises. Betting the farm on the 67th percentile is like planning retirement around a lottery ticket.

Asset classes Info

  • Stocks
    100%

If diversification were a buffet, your plate would be all carbs, no veggies. Stock-heavy with a side of more stock leaves you vulnerable to market indigestion. With no cash or bonds to smooth out the ride, every market hiccup feels like a freefall. It's like packing for a polar expedition and only bringing shorts because it's sunny outside right now.

Sectors Info

  • Technology
    34%
  • Financials
    15%
  • Consumer Discretionary
    10%
  • Health Care
    10%
  • Industrials
    8%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    2%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

Your sector allocation has a heavy tech flavor, making your portfolio a one-trick pony in a circus of opportunities. With 34% in technology, it's like betting your retirement on Silicon Valley's mood swings. Financial services and consumer cyclicals round out your top three, but with such lopsided devotion to tech, you're missing out on the full market buffet. It's time to diversify your tastes beyond the tech cafeteria.

Regions Info

  • North America
    100%

Geographically, your portfolio is playing it home-team heavy, with a 100% allocation to North America. It's like planning a world tour and never leaving your hometown. The lack of global exposure not only limits growth opportunities but also increases vulnerability to domestic market downturns. It's a big, wide world out there—time to stamp some passports in your portfolio.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    32%
  • Mid-cap
    15%
  • Small-cap
    4%
  • Micro-cap
    2%

Your market cap allocation reads like a "Who's Who" of corporate giants, with a hefty 46% in mega-caps. While big companies can offer stability, they often lack the growth punch of their smaller counterparts. Your token gesture towards small and micro caps is like bringing a pea shooter to a cannon fight. A more balanced approach could give your portfolio the growth spurt it needs.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Vanguard Dividend Appreciation Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

The high correlation among your chosen ETFs is like wearing a belt with suspenders—overkill. These overlapping assets are like identical twins at a party; they might as well be the same person. This redundancy doesn't add value but does limit diversification benefits, making your portfolio more susceptible to specific market movements. It's time to introduce some variety into this echo chamber.

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 version of optimization seems to be "if it ain't broke, don't fix it," but with high correlation and low diversification, it's more "if it ain't broke, it's because it's too simple to break." The advice to remove overlapping assets is like being told to stop hitting yourself. Embracing true diversification could transform your portfolio from a one-hit wonder into a chart-topping album.

Dividends Info

  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.70%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Russell 2000 Index Fund ETF Shares 1.20%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Weighted yield (per year) 1.14%

With a total yield of 1.14%, your dividends are like finding loose change in the couch—nice but not life-changing. While the Vanguard Dividend Appreciation Index Fund tries to bring some income to the party, the overall yield is still on the low side for a growth-focused portfolio. It's worth considering if your dividend strategy is a side hustle or just a hobby.

Ongoing product costs Info

  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Russell 2000 Index Fund ETF Shares 0.10%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.04%

On a brighter note, your portfolio's costs are tighter than a drum, with a total TER of 0.04%. This is one area where you're actually ahead of the game, keeping more of your returns in your pocket rather than handing them over to fund managers. It's like finding a luxury car that runs on pocket change—don't mess this up.

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