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A stock heavy balanced portfolio that says it is cautious while flooring the growth pedal

Report created on Jan 8, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This thing calls itself “Balanced” but it’s basically an 86% stock rocket with a 14% safety blanket. Seventy‑four percent is glued to a plain vanilla S&P 500 clone, with a matching 13% tossed into international stocks and another 13% awkwardly parked in a cash fund. It’s like someone started building a classic three‑fund portfolio and then rage‑quit before adding bonds. Versus a typical balanced setup, this is more like a growth portfolio pretending to wear a tie. If true balance is the goal, mixing in some steadier-income holdings and dialing down pure equity would make it act a lot less like a mood swing chart during crashes.

Growth Info

Historically, a 13.32% CAGR is spicy — if $10k went in, it grew like it had a gym membership. But that -31.2% max drawdown says the price of those gains was a pretty brutal roller coaster. CAGR (Compound Annual Growth Rate) is basically your “average speed” over the whole trip, while drawdown is how bad the worst pothole felt. Against typical balanced benchmarks, this looks more like a stock index with a small cushion stapled on. The lesson: lovely returns, but you paid with stress. If smoother sleep is important, dialing down equity exposure would matter more than chasing an extra 1–2% per year.

Projection Info

Monte Carlo simulations are like running your portfolio through 1,000 alternate universes to see how often it survives your bad decisions. Here, the median outcome of about +205% and an average simulated return of 9.15% say the future *could* be generous, but that 5th percentile at only +15.5% is the “markets hate you for a decade” scenario. And 975 out of 1,000 simulations ending positive sounds comforting… until you remember returns aren’t guaranteed and timelines matter. Past data is yesterday’s weather: useful, not psychic. If the future worries you, consider toning down volatility and planning around the ugly 5% outcomes, not just the fun middle ones.

Asset classes Info

  • Stocks
    86%
  • Cash
    1%

Asset class “diversification” here is basically: stocks, more stocks, and a cameo from cash. With 86% in equities and only 1% explicitly tagged as cash, this is not what most people would label as balanced; it’s growth‑tilted with a light security blanket. When markets run, this structure looks genius. When they tank, it behaves like a full‑equity portfolio that forgot about shock absorbers like bonds or other lower‑volatility assets. A more rounded mix would bring in stabilizers that don’t move in sync with stocks. If the label is going to say “Balanced,” the content should probably include more than “Wall Street plus a money‑market piggy bank.”

Sectors Info

  • Technology
    28%
  • Financials
    13%
  • Telecommunications
    8%
  • Industrials
    8%
  • Consumer Discretionary
    8%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    1%

Sector-wise, this is basically an S&P 500 costume party: 28% in tech, then financials, communications, industrials, and consumer cyclicals all jostling for attention. “Tech addiction detected” is fair — almost a third of the portfolio swings with the fortunes of a handful of giant platforms and chipmakers. The rest looks decently spread, but make no mistake: if tech catches a cold, this setup sneezes hard. Index funds naturally lean into what’s biggest and hottest, which is fun until leadership changes. If the goal is less drama, consider bringing in exposures that don’t rely on the same small club of mega‑growth darlings to behave themselves forever.

Regions Info

  • North America
    75%
  • Europe Developed
    5%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%

Geographically, this is very “America or bust.” About 75% in North America and only modest scraps to Europe, Japan, and the rest of the world. Yes, the U.S. has earned its ego lately, but betting this hard on one economic region is still concentration, not bravery. International at 13% is better than zero, but more like seasoning than a real global allocation. If U.S. valuations ever cool off or the dollar swings, this home bias will show its downside. A more even global mix would lean less on U.S. exceptionalism and more on the basic idea that other countries also know how to run companies.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    1%

Market cap exposure screams “index hugger.” With 41% in mega caps and 29% in big caps, this is basically a fan club for the largest companies on Earth, with mid caps gently whispering in the background and small caps barely existing at 1%. That means performance is heavily driven by a handful of giants — when they pop, you look brilliant; when they stall, the whole portfolio feels sluggish. There’s almost no “engine” from smaller, more nimble companies. If the aim is long-term growth with diversification, gently bumping exposure to mid and small caps (without going full maniac) could spread the risk and opportunity beyond ten household names.

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.

From a risk–return efficiency angle, this is more “enthusiastic” than “optimized.” The historical 13.32% return is strong, but the -31.2% drawdown shows you’re taking very real hits when markets drop. The Efficient Frontier (fancy phrase for “best return per unit of risk”) would almost certainly show portfolios with similar long-term return potential but milder gut punches by mixing in more lower‑volatility assets. Right now, the trade-off is skewed toward “more growth, more drama.” If the target is a genuinely balanced outcome, nudging exposure away from pure equities and toward stability could move this thing closer to efficient, not just aggressive with a nice story.

Dividends Info

  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 0.40%

The total yield around 0.40% is… let’s call it “diet income.” Vanguard Total International kicking out about 3.1% is doing its part, but the U.S. side is very much a growth‑tilted crowd that reinvests instead of pays out. Nothing wrong with that if the goal is long-term compounding, but anyone hoping to live off this thing today would be chewing on capital gains, not dividends. Dividends are like rent from your investments; here, the tenants are mostly “exposure and potential” rather than cash payers. If income stability is important, adding more deliberately income-focused pieces would do more than praying existing holdings suddenly become generous.

Ongoing product costs Info

  • Fidelity Govt Cash Rsrvs 0.26%
  • STATE STREET EQUITY 500 INDEX FUND CLASS K 0.02%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

Costs are the one area where this setup looks suspiciously competent. A total expense ratio around 0.06% is basically highway robbery in your favor — you’re paying almost nothing for broad market exposure. The State Street and Vanguard pieces are dirt cheap; the cash fund is the only one that even pretends to charge real money at 0.26%. Fees are the one thing you can control, and here it looks like someone actually read a book. Just don’t let the low costs justify sloppy structure elsewhere. Cheap and slightly misaligned is still misaligned; the goal is cheap *and* actually suited to your risk level and goals.

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