Mostly plain vanilla index portfolio with one random SoFi chili pepper thrown in for chaos
Report created on Apr 22, 2026Risk 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.
Positions
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VO Vanguard S&P 500 ETF
VOO - US9229083632 70.96% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 16.23% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 9.00% -
SO SoFi Technologies Inc.
SOFI - US83406F1021 3.81%
This portfolio is basically a textbook two-fund core with a dividend sidecar and then SoFi gate-crashing the party at 3.8%. Around 71% is one broad US index, 16% is international, 9% is a dividend ETF, and then a single small growth stock is sitting there like a dare. Structurally it’s “intro to investing” with one meme-ish exception. For something labeled “balanced,” it’s 100% in stocks and very US-heavy, so the name is doing more smoothing than the content. In practice this is an equity engine with training wheels on one side (dividends) and a rocket strapped to the other (SoFi).
Growth
Historically, this mix nearly doubled $1,000 to $1,996, which sounds great until it’s lined up next to the US market and loses by about 1% per year. That’s what CAGR is measuring: your average speed on the road trip, traffic jams included. You got slightly smoother braking than the global market but a bit harsher than the US one, with a -26% drawdown that took 15 months to crawl back from. In other words, full stock-market pain with slightly less payoff than just hugging a broad US benchmark. Decent outcome, but not exactly “mastermind allocation” material.
Projection
The Monte Carlo simulation — a thousand “what if” futures rolled like dice — says the median path turns $1,000 into about $2,821 over 15 years. The likely range is all over the place: from feeling mildly clever at $1,882 to smug at $4,201, with a 1-in-20 shot of barely breaking even and a small chance of an $8k victory lap. That 8.26% annualized across simulations is basically “stock market-ish” returns. Translation: this is a standard equity rollercoaster where odds favor growth, but the timeline and magnitude of pain are non-negotiably random. Past data and simulations help, but they are still just fancy guesses.
Asset classes
- Stocks 100%
Asset-class “diversification” here is simple: 100% stocks, zero of anything else. That’s not a mix, that’s a decision to live and die by equities. No bonds, no cash buffer, no real assets — it’s all chips pushed into the stock market. For something wearing a “balanced” tag, the reality is closer to “fully caffeinated growth mode.” When everything you own dances to the same asset-class drum, the portfolio’s mood swings are entirely tied to equity markets. It’s efficient from a simplicity standpoint, but balance is definitely more branding than substance here.
Sectors
- Technology 28%
- Financials 17%
- Health Care 10%
- Industrials 9%
- Consumer Discretionary 9%
- Telecommunications 9%
- Consumer Staples 6%
- Energy 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, this portfolio is tech-leaning without going full “Silicon Valley cosplay”: 28% in technology, then a chunky 17% in financials, with the rest scattered sensibly over health care, industrials, and consumer segments. It’s basically a slightly more grown-up version of the usual tech-heavy index. The telecom and consumer bits help, but if tech sneezes, this portfolio still catches something. Nothing outrageously concentrated, but also nothing particularly intentional — it’s just what happens when you buy big broad funds and call it a day.
Regions
- North America 85%
- Europe Developed 6%
- Japan 2%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, this is “America first, second, and third”: about 85% in North America, and the rest sprinkled like seasoning across Europe, Japan, and various bits of Asia and beyond. For something with a “total international” fund in it, the actual exposure outside North America is still pretty tiny. This is more “US portfolio with a tourist visa” than truly global investing. It behaves like a US market proxy that occasionally remembers other countries exist. The upside: no accidental weird bets. Downside: global diversification is more cosmetic than meaningful.
Market capitalization
- Large-cap 41%
- Mega-cap 40%
- Mid-cap 17%
- Small-cap 1%
By market cap, this is a love letter to giants: roughly 81% in large and mega caps, 17% mid, and a token 1% in small caps. It’s basically the stock-market equivalent of only trusting companies that already own half the world. Big names mean fewer blowups but also fewer hidden gems — you’re riding the incumbents, not hunting underdogs. The tilt is completely standard for index-heavy portfolios, just very unadventurous. You avoided small-cap chaos, but you also walked right past any possibility of real size-driven differentiation.
True holdings
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NV NVIDIA Corporation 5.38%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 4.73%
Part of fund(s):- Vanguard S&P 500 ETF
-
-
MS Microsoft Corporation 3.49%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.58%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.12%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.86%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.70%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.59%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.33%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 28.59%
Look-through holdings reveal exactly what you’d expect: the usual mega-cap suspects quietly running the show. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — it’s the standard “index celebrity” lineup. No single superstar is outrageously oversized, but between the S&P 500 and international exposure, you’re effectively double-dipping these names whether you meant to or not. SoFi is the only thing that isn’t just another passenger on the index bus. Overlap is likely worse than it looks because only ETF top-10s are counted, so hidden concentration is probably more than the report politely admits.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor-wise, this portfolio is aggressively… normal. Value, size, momentum, quality, yield, and low volatility are all basically neutral, hovering around the market average. Factor exposure is like the ingredient list that explains why a portfolio behaves how it does — and this one reads “mostly standard index stew.” No meaningful tilt toward bargain hunting, safety, trend-chasing, or juicy income. This is either a very deliberate embrace of broad market behavior or an accident of just buying big vanilla ETFs. In either case, there’s no secret sauce here — it’s pure shelf-brand factor exposure.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 70.96% 70.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 16.23% 13.3% -
SoFi Technologies Inc.
Weight: 3.81% 10.1% -
Schwab U.S. Dividend Equity ETF
Weight: 9.00% 6.3%
Risk contribution exposes the real troublemaker: SoFi at 3.8% weight is throwing in over 10% of total portfolio risk. That’s a risk/weight ratio of 2.64, meaning it’s punching way above its size, like a chihuahua with rocket boosters. The S&P 500 ETF carries about 71% of risk for 71% of weight — boringly proportional. International and the dividend ETF are actually dampening things a bit relative to size. But that tiny SoFi stake is doing stunt work for the whole portfolio. Structurally, you built a calm index ship and then bolted a high-beta jet ski onto the back.
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.
On the efficient frontier, this portfolio actually behaves like it knows what it’s doing. The Sharpe ratio of 0.67 lags the max-Sharpe version at 0.86, but the tool says you’re on or very near the frontier for your chosen risk level. Efficient frontier is just the nerd curve that shows the best return per unit of risk using only your current ingredients. Here, the ingredients are blended pretty well already; reweighting them could squeeze out marginally better risk-adjusted returns, but this isn’t some clown-car allocation. Annoyingly competent, given the SoFi side quest.
Dividends
- Schwab U.S. Dividend Equity ETF 3.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.54%
Dividends are a sideshow, not the main plot. The total yield limps in at 1.54%, which is barely more than a polite nod from your holdings. The Schwab dividend ETF is trying its best at 3.4%, but at only 9% of the portfolio it’s carrying a tiny income backpack on a huge growth engine. This isn’t an income portfolio; it’s a capital appreciation story that happens to spill a bit of cash on the floor each quarter. Anyone expecting checks to roll in is really just getting coffee money while the real action stays in price swings.
Ongoing product costs
- 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) 0.03%
Costs are comically low. With a total TER around 0.03%, you somehow assembled a portfolio that charges less than many people tip at a bar. The dividend ETF is the “expensive” one at 0.06%, which is still pocket lint in fund-fee terms. This is one area where there’s basically nothing to roast: you’re getting a full equity ride at budget-airline pricing, except this time the cheap ticket actually buys the same plane as everyone else. If something goes wrong here, it won’t be because the funds siphoned it away in fees.
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