A two-trick pony masquerading as a diversification master in the investing rodeo
Report created on Aug 18, 2025Risk profile
4/7
Diversification profile
4/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 75.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00%
With 75% in a U.S. S&P 500 ETF and 25% in an International Stock ETF, this portfolio is like someone claiming to be a world traveler because they've been to Canada and Mexico. Sure, it covers a lot of ground on paper, but it's hardly the global odyssey it pretends to be. It's like betting on both red and black at the roulette table and calling it a diversified investment strategy.
Growth
Historically, with a CAGR of 13.73%, this portfolio has been like a student who only studies the night before and somehow still gets an A. But remember, past performance is like relying on last year's weather forecast to plan today's picnic. And with a max drawdown of -33.87%, it's had its share of rainy days, showing that even the A students can get soaked.
Projection
The Monte Carlo simulation, with its thousand different scenarios, suggests a future as varied as a box of chocolates. You might get a sweet 370.4% increase in the 50th percentile or a less appetizing 59.7% in the 5th. It's a reminder that investing is as much about preparing for the storms as it is enjoying the sunshine. Keep an umbrella handy.
Asset classes
- Stocks 99%
- Cash 1%
With 99% in stocks and a token 1% in cash, this portfolio is like someone who spends all their money on lottery tickets and keeps a dollar for good luck. Stocks can offer great rewards but remember, not having a more balanced mix is like going on a road trip with no spare tire.
Sectors
- Technology 28%
- Financials 16%
- Consumer Discretionary 11%
- Industrials 10%
- Health Care 9%
- Telecommunications 9%
- Consumer Staples 6%
- Energy 3%
- Basic Materials 3%
- Utilities 3%
- Real Estate 2%
The sector spread is like a buffet with too much tech and finance, risking indigestion if those sectors sour. With 28% in Technology and 16% in Financial Services, it's like loading up on dessert and skipping the veggies—tempting but potentially regrettable. Diversifying sectors is like eating a balanced diet; it might not be as exciting, but it's healthier in the long run.
Regions
- North America 77%
- Europe Developed 10%
- Asia Emerging 4%
- Japan 4%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
With a 77% allocation to North America, this portfolio wears its home bias on its sleeve. It's like claiming to love food from all over the world but only ever eating at the local diner. Expanding your geographic palate can add some international flavor to your investing diet.
Market capitalization
- Mega-cap 46%
- Large-cap 34%
- Mid-cap 17%
- Small-cap 2%
The heavy lean on Mega (46%) and Big (34%) caps is like always betting on the heavyweight champion; it feels safe, but the underdog can surprise you. With only 2% in Small caps, it's missing out on the growth potential that can come from rooting for the little guy.
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 might be lounging in the safe zone, but it's far from optimizing the risk-return trade-off. It's like settling for a decent job that pays the bills instead of pursuing the career of your dreams. A little more risk management and diversification could push it towards a more efficient mix.
Dividends
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.58%
With a total yield of 1.58%, the portfolio's dividend strategy is like keeping a piggy bank; it's nice to have, but don't expect it to pay the rent. While dividends can provide a steady income stream, relying solely on them in a growth-oriented portfolio might leave you wanting more bacon.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
The portfolio's low total expense ratio (TER) of 0.04% is like finding a luxury car with the fuel efficiency of a compact—surprisingly economical. It's one of the few areas where this portfolio doesn't need a tune-up. Low costs mean more of your money is working for you, not for the fund managers.
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