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A high-flying portfolio that's more single-lane highway than diversified superhighway

Report created on Nov 6, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is like a pizza with only two toppings: it's broadly diversified in theory, but in practice, it's pretty one-note. With half your assets in an S&P 500 ETF and the rest scattered across various Avantis offerings, it's like betting on red and black at the roulette table and thinking you're playing it safe. The diversification looks good on paper, but it's more like putting all your eggs in different baskets that are all carried by the same person. It's time to mix it up a bit more if you don't want to end up with egg on your face.

Growth Info

Looking at a CAGR of 15.23% might have you feeling like the king of the world, but remember, the Titanic was also unsinkable until it wasn't. That -36.34% max drawdown is a stark reminder that what goes up must come down, and sometimes it comes down hard. Those 19 days making up 90% of your returns? It's like winning the lottery but forgetting where you put the ticket most days. High volatility means high risk; make sure you're not just enjoying the ride without preparing for potential bumps.

Projection Info

Monte Carlo simulations are like weather forecasts for your portfolio, and with projections ranging from a stormy 54.2% to a sunny 802.0%, you're looking at a climate with wild seasons. While 977 out of 1,000 simulations showing positive returns might have you packing shorts for a winter trip, remember, even the best forecasts can't predict a sudden snowstorm. Diversification beyond asset classes and sectors might just be the all-weather gear your portfolio needs.

Asset classes Info

  • Stocks
    100%

All in on stocks, huh? With 100% of your portfolio in equities, you're riding the high waves without a life jacket. It's like going skydiving and deciding the parachute is just extra weight. Sure, the potential returns are eye-catching, but so is the risk. A little bond or cash allocation might dull the highs, but it'll also soften the lows. Consider it financial shock absorbers for the inevitable potholes on the road of investing.

Sectors Info

  • Technology
    19%
  • Financials
    11%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Telecommunications
    6%
  • Health Care
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Consumer Staples
    3%
  • Utilities
    1%
  • Real Estate
    1%

Your sector allocation reads like a teenager's Spotify playlist: heavily favoring the hits (tech and financial services) while neglecting the classics (utilities and real estate). This kind of imbalance can lead to a portfolio that's more susceptible to market mood swings than a soap opera character. Broadening your sector exposure could turn your portfolio from a one-hit wonder to a timeless classic.

Regions Info

  • North America
    63%
  • Europe Developed
    20%
  • Japan
    11%
  • Australasia
    3%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

Your geographic allocation is like a tourist who only visits the landmarks and misses out on the hidden gems. With a heavy lean towards North America and developed Europe, you're missing the spicy flavors of emerging markets and the exotic delights of less-traveled economies. Diversifying geographically could be like adding a secret ingredient to your investment recipe that brings out unexpected and potentially delightful flavors.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    26%
  • Mid-cap
    21%
  • Small-cap
    11%
  • Micro-cap
    5%

Your market cap allocation is a bit like a high school clique: the megacaps and big caps are the popular kids, medium caps are the striving middle class, and small and micro caps are the underdogs with something to prove. While it's great to have friends in high places, don't forget that sometimes, the underdogs pull off the most surprising victories. Balancing your cap sizes might just give your portfolio the depth it's currently lacking.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Avantis® International Equity ETF
    High correlation

Having assets in your portfolio that move in lockstep is like wearing a belt and suspenders: it might seem like extra security, but really, you're just doubling up on the same function. The high correlation between your international equity and small cap value ETFs is a diversification faux pas. It's time to introduce some truly independent thinkers into your portfolio mix to spread out the risk and potentially enhance returns.

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 current state is like a car that's only been tuned to perform well in sunny weather. The lack of true diversification and the high correlation between assets mean you're cruising with the top down, not prepared for when the weather turns. Before you hit the optimization button, consider uncoupling those correlated assets to ensure you're not just rearranging deck chairs on the Titanic. True optimization means preparing for both sunshine and storms.

Dividends Info

  • Avantis® International Equity ETF 2.70%
  • Avantis® International Small Cap Value ETF 3.50%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • SPDR® Portfolio S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.88%

Your dividend yield strategy is akin to expecting a steady diet of appetizers to fill you up. With yields ranging from 1.10% to 3.50%, it's clear you're playing in the shallow end of the income pool. While reinvesting these dividends is a solid growth strategy, don't overlook the potential of higher-yielding assets to add a little bulk to your portfolio's income stream. Sometimes, a main course is worth the investment.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Weighted costs total (per year) 0.14%

On the bright side, your portfolio's cost management is tighter than a hipster's skinny jeans. With a total TER of 0.14%, you're navigating the fee landscape like a pro, minimizing drag on your returns. It's commendable in a world where many investors unknowingly pay a premium for underperformance. Keep squeezing those fees like you're making artisanal lemonade – every drop counts.

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