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This portfolio is like a burger with too much bun and not enough patty

Report created on Aug 21, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

Diving into this portfolio feels like opening a Russian nesting doll, only to find they're all almost the same size. With over 70% of your assets in S&P 500 trackers (Vanguard 500 Index Fund and Vanguard S&P 500 ETF), you've essentially bought the same thing twice, then sprinkled a little growth seasoning on top with the Vanguard Growth Index Fund. It's like betting on all the horses in a race; you might win, but you're also guaranteed to lose a bit on the side. Diversification doesn't mean owning four shades of the same color.

Growth Info

Your portfolio's historic performance, boasting a CAGR of 16.45%, might have you feeling like Midas. However, remember that past performance is the investment world's version of an ex promising they've changed. It's enticing but not a reliable indicator of future fidelity. The -33.20% max drawdown is a stark reminder that the market can be as forgiving as a cat woken from its nap. Those 37 days carrying 90% of your returns? That's like banking on lightning strikes for your energy needs.

Projection Info

Monte Carlo simulations suggest a wide range of outcomes, but banking on the upper end is like planning your budget around winning the lottery. It's great to see a 17.12% annualized return across simulations, but remember, Monte Carlo is better at predicting casino outcomes than market returns. It's a useful tool, but it’s like using a weather forecast from two weeks out to plan your wedding day. Always carry an umbrella, or in this case, a more diversified portfolio.

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. Your portfolio's asset class diversity is like a diet consisting solely of meat. It might be tasty for a while, but it's not balanced. With 100% in stocks and nothing in bonds, real estate, or cash, you're riding the roller coaster without a safety harness. Sure, stocks have historically outperformed other asset classes over the long term, but when the market sneezes, you'll be the first to catch a cold.

Sectors Info

  • Technology
    38%
  • Financials
    12%
  • Telecommunications
    11%
  • Consumer Discretionary
    9%
  • Health Care
    9%
  • Industrials
    7%
  • Consumer Staples
    5%
  • Consumer Discretionary
    3%
  • Energy
    2%
  • Real Estate
    2%
  • Utilities
    2%
  • Basic Materials
    1%

While you've spread your bets across several sectors, your technology tilt is like having a diet mostly made of sugar. It's thrilling until the inevitable crash. Tech's dominance at 38% sets you up for a wild ride, with financial services and communication trailing far behind. This sector concentration is like wearing a raincoat in a hurricane; it offers some protection, but you're still going to get wet if tech faces a downturn.

Regions Info

  • North America
    100%

North America 100%? It seems you've taken "America First" a bit too literally in your investment strategy. Ignoring the rest of the world is like refusing to eat any cuisine that isn't from your hometown. Sure, you might like what you know, but you're missing out on a world of flavors (and opportunities). Emerging markets and developed regions outside the US can add spice and resilience to your portfolio.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    31%
  • Mid-cap
    16%
  • Small-cap
    1%

Your portfolio's love affair with mega and big caps is like only watching blockbuster movies and ignoring indie films. Sure, the big names often bring in the bucks, but smaller companies can offer growth, innovation, and diversification. With 52% in mega-caps, you're betting heavily on the titans. Remember, David did beat Goliath; small and mid-caps can punch above their weight.

Redundant positions Info

  • Vanguard S&P 500 ETF
    VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
    VANGUARD DIVIDEND APPRECIATION INDEX FUND ADMIRAL SHARES
    VANGUARD 500 INDEX FUND ADMIRAL SHARES
    High correlation

The correlation between your assets is like having four copies of the same book in different covers. While it might look impressive on a shelf, it doesn't add to your knowledge. High correlation among your holdings means you're not getting the diversification benefits you think you are. It's like wearing four raincoats in a storm; one should suffice if it's the right one.

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 a classic case of "if it ain't broke, don't fix it," but with a twist: it might not look broken, but it's certainly not optimized. The Efficient Frontier is like the dietary guideline for investing, and right now, you're skipping all your veggies. By focusing on removing overlapping assets, you can start to bring your portfolio into a more balanced state, offering potentially higher returns for the same level of risk.

Dividends Info

  • VANGUARD DIVIDEND APPRECIATION INDEX FUND ADMIRAL SHARES 1.20%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 0.90%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.30%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 0.82%

Your dividend strategy is like finding change under the sofa cushions; it's nice, but you won't get rich off it. With a total yield of 0.82%, it's clear that income isn't your primary goal, which is fine. However, don't ignore the power of dividends in providing a steady income stream, especially during market downturns. They can act as a financial shock absorber, softening the bumps on the road.

Ongoing product costs Info

  • VANGUARD DIVIDEND APPRECIATION INDEX FUND ADMIRAL SHARES 0.07%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 0.04%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.04%

At least you're not bleeding money on fees, with a total TER of 0.04%. It's like finding a no-fee ATM; surprisingly pleasant but not the main factor in your financial well-being. Keep an eye on costs, but remember, the cheapest option isn't always the best. Sometimes, paying a bit more for quality or diversification is worth the expense.

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