A mostly stock obsessed portfolio pretending volatility is just a cute personality trait
Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
What type of investor this portfolio is suitable for
Growth Investors
This setup fits someone who’s comfortable with big swings and doesn’t need emotional hand‑holding every time headlines go red. The personality here is patient, long‑term focused, and just a bit stubborn — willing to sit through 30–40% drops because the long game matters more. The likely goals are aggressive: building serious wealth, early or flexible retirement, or simply maximizing long‑run growth rather than smoothing every bump. Time horizon is probably measured in decades, not years. There’s also a quiet respect for structure and low costs, mixed with a willingness to juice returns slightly with small‑cap and value tilts instead of chasing short‑term fads.
Positions
-
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 50.00% -
Vanguard S&P 500 ETF
VOO - US9229083632 25.00% -
Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 15.00% -
Avantis® International Small Cap Value ETF
AVDV - US0250728021 5.00% -
Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 5.00%
This setup is basically “global stock market with a couple of spicy side quests.” About half in total international stocks, a quarter in the S&P 500, then a chunky dividend slice and tiny tilts to small cap value. For a so‑called “growth” profile, it’s oddly sensible, but also hilariously undramatic: zero bonds, almost no cash, and everything public‑equity flavored. Compared with a standard 70/30 stock‑bond mix, this is like skipping the seatbelt because the car “has good vibes.” If stability or shorter‑term spending is on the radar, adding some boring stuff (bonds, T‑bills, or even a bit more cash) would keep this from being a one‑asset‑class religion.
Growth
That 14.2% CAGR (Compound Annual Growth Rate) is the kind of number that makes people think they’re investing geniuses. CAGR is just your average speed over the whole trip, ignoring how many times you nearly hit a ditch. The -35% max drawdown is the ditch. That’s a classic “all‑equity portfolio in a bad year” faceplant and absolutely standard, but not fun if money is needed during the fall. Against a classic 60/40 benchmark, this probably crushed returns but with noticeably nastier swings. Just remember: this performance lives in the “easy money decade” era. Past data is yesterday’s weather — helpful, but not a prophecy.
Projection
The Monte Carlo results are hilariously optimistic on the surface: median outcome around +500–600%, and even the sad 5th percentile barely below break‑even at ~89%. Monte Carlo is basically a financial dice game: feed in past‑style returns and volatility, shuffle them a thousand ways, see where you land. But if the input era was already unusually generous to stocks, this is like simulating your future driving skill based on one sunny road trip. The takeaway: long‑term odds look good for a patient, all‑equity masochist, but relying on those glossy numbers for near‑term spending or early retirement dates is asking to be humbled.
Asset classes
- Stocks 99%
- Cash 1%
- Other 0%
- No data 0%
Asset class “diversification” here is just stocks wearing different hats: 99% equity, 1% cash, and that’s it. It’s marketed as “broadly diversified,” which is true across *stocks*, but hilarious if someone thinks this is diversified across *assets*. When the stock market sneezes, this whole thing catches pneumonia together. No bonds, no real attempt at defensive assets, no alternative flavors at all — pure growth-mode chest‑thumping. That’s fine if the time horizon is measured in decades and stomach lining is made of steel. If not, sprinkling in some lower‑volatility ballast would make this look less like a one‑trick pony and more like an actual portfolio.
Sectors
- Financials 18%
- Technology 18%
- Industrials 13%
- Consumer Discretionary 11%
- Health Care 9%
- Energy 7%
- Consumer Staples 7%
- Telecommunications 6%
- Basic Materials 6%
- Utilities 2%
- Real Estate 2%
Sector spread is actually… annoyingly reasonable. Tech and financials tied at 18%, with decent chunks in industrials, consumer stuff, healthcare, and even a token 2% in utilities and real estate. No single sector screams “all‑in fanboy,” which ruins the roasting a bit. But remember, all these sectors are still living in the same stock market ecosystem. In a broad downturn, “diversified” sectors just means you get to watch red numbers appear in different parts of your screen. The upside is no single theme dominates, so there’s less risk of one fad nuking everything. Still, no need to get cute chasing niche sectors when the core is already doing the heavy lifting.
Regions
- North America 50%
- Europe Developed 21%
- Japan 9%
- Asia Emerging 8%
- Asia Developed 6%
- Australasia 3%
- Africa/Middle East 2%
- Latin America 1%
- Europe Emerging 0%
Geographically, this is actually a grown‑up mix: about half North America, the rest sprinkled across Europe, Japan, developed Asia, emerging Asia, and even tiny bits of Africa/Middle East and Latin America. No “America or bust” tattoo here, which is oddly mature. Compared to a pure US portfolio, this setup accepts that other countries exist and might occasionally make money. The catch: in a global crisis, correlations spike and everything falls together, just with different accents. Keeping this global footprint is sensible, but there’s no need to push even more exotic regions unless there’s a real reason and a long horizon to let the chaos average out.
Market capitalization
- Mega-cap 35%
- Large-cap 33%
- Mid-cap 20%
- Small-cap 7%
- Micro-cap 3%
Market cap mix is pretty balanced for a stock maximalist: 35% mega, 33% big, 20% mid, with 7% small and 3% micro thrown in as the “spicy” part. The two Avantis small cap value funds add some intentional tilt toward the scruffier end of town. That’s fun for long‑term expected return, but it also means extra bumpiness when small caps decide to act feral, which they do often. At least this isn’t an “all megacap tech forever” shrine. The blend is broadly sane, just slightly amped up. Anyone expecting smooth sailing from this mix hasn’t watched what small caps do in a real panic.
Dividends
- Avantis® International Small Cap Value ETF 2.70%
- Avantis® U.S. Small Cap Value ETF 1.40%
- Schwab U.S. Dividend Equity ETF 3.30%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- Weighted yield (per year) 2.42%
A 2.4% overall yield with a dedicated dividend ETF in the mix screams, “I like income, but I also like growth.” SCHD at ~3.3% is the income hero, while the others stay more modest. Dividends feel comforting, like getting small paychecks while markets misbehave, but they aren’t magic protection — prices can drop faster than payouts arrive. Chasing yield too hard can lead to owning slow, stodgy businesses or hidden landmines. Here, the balance is actually decent: income is meaningful but not obsessive. The key is to treat dividends as a bonus cash flow, not a shield against volatility or a reason to ignore overall total return.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
The TotalTER of 0.07% is frankly rude to expensive funds everywhere. This is like walking past a 1% fee advisor and quietly keeping your wallet. The Avantis funds are the “pricier” ones here, but even they are cheap by active standards. For what you’re getting — broad exposure, small cap value tilts, and a strong dividend ETF — the fee drag is impressively low. You’ve basically left almost no room for cost roasting, so enjoy the rare win. Just keep an eye on future switches; one unnecessary high‑fee “fancy strategy” would wreck the clean, low‑cost vibe this lineup currently nails.
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.
Risk versus return here is very “send it.” You’re parked near the high‑risk, high‑return end of the efficient frontier — that’s the curve showing the best return you can reasonably expect for each level of volatility. This isn’t pretending you can get high returns with low risk; it’s openly saying “I’ll take the punchy ride, thanks.” As long as the time horizon is long and there’s no need to sell during ugly years, that trade‑off is logical. If shorter goals or big near‑term withdrawals exist, dialing risk down slightly with some defensive assets could move you closer to a saner risk‑return mix without completely killing the growth attitude.
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