A high school crush on Vanguard: Safe but hardly the prom king of portfolios
Report created on Apr 29, 2025Risk profile
4/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 70.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00%
Your portfolio screams "safety first" like a parent chaperoning at prom, with a whopping 70% in the Vanguard Total Stock Market Index Fund and 30% in the Vanguard Total International Stock Index Fund. While having a crush on Vanguard for its low fees and broad diversification is commendable, your portfolio lacks the excitement of a well-planned road trip. It's like betting both on red and black at roulette—sure, you won't lose everything in one go, but you're hardly going to break the bank either.
Growth
Historically, your portfolio has chugged along with a CAGR of 10.70%, which isn't bad—it's like getting a solid B in a class you never attended. But let's not forget the -34.63% max drawdown, a stark reminder that not all rides are smooth. It's as if, on most days, your portfolio decides to take the scenic route, but occasionally, it mistakenly turns onto a rollercoaster.
Projection
Monte Carlo simulations suggest your portfolio could swing from a depressive -1.1% to an ecstatic 319.5% in future scenarios. Trusting these numbers is akin to believing in fortune cookies—it gives you a range so wide you could drive a truck through it. Remember, past data and simulated futures are like horoscopes; they're fun to read but not something to base life decisions on.
Asset classes
- Stocks 99%
- Cash 1%
Stocks make up 99% of your portfolio, with a daring 1% in cash. It's like going on a road trip with almost no spare tire; bold, yes, but wise? Hardly. While stocks are the engine of growth, a bit more cash could give you flexibility to jump on opportunities without having to sell off assets at a bad time.
Sectors
- Technology 25%
- Financials 17%
- Consumer Discretionary 11%
- Industrials 11%
- Health Care 10%
- Telecommunications 8%
- Consumer Staples 6%
- Energy 4%
- Basic Materials 3%
- Real Estate 3%
- Utilities 3%
Your sector allocation reads like a teenager's diet: heavy on tech and financial services, with a smattering of everything else. With 25% in technology, you're riding the Silicon Valley rollercoaster—thrilling, but potentially nauseating. Diversifying your sector intake would be like adding some vegetables to that diet: less exciting but healthier in the long run.
Regions
- North America 72%
- Europe Developed 12%
- Asia Emerging 5%
- Japan 5%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
With 72% in North America, your portfolio seems to have a case of home bias, acting as if the U.S. is the only country worth dating. While the U.S. market is like the high school quarterback—popular for a reason—ignoring other regions is like not knowing there are other fish in the sea. A bit more love for other regions could make for a more interesting relationship.
Market capitalization
- Mega-cap 42%
- Large-cap 30%
- Mid-cap 19%
- Small-cap 6%
- Micro-cap 2%
Your infatuation with mega and big caps—72% of your portfolio—shows a preference for the established and the secure, like dating the class president. It's stable, sure, but remember, small and micro caps, though riskier, can be like the underdog story—unexpectedly rewarding.
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 risk-return profile is like choosing a balanced diet—it's sensible but lacks flair. While you're not stuffing your face with junk food, you're also not experimenting with any superfoods that could potentially boost your performance. Finding the right mix could be like discovering avocado toast; it's out there, but you need to be willing to try it.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 1.40%
- Vanguard Total International Stock Index Fund ETF Shares 3.10%
- Weighted yield (per year) 1.91%
Your dividend yield strategy is like receiving allowance from your parents—nice to have, but not enough to live on. A 1.91% yield is modest, providing some income but hardly enough to fund a lifestyle. It's a good start, but relying solely on it for income would be like expecting pocket money to pay for college.
Ongoing product costs
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Congratulations on keeping costs low with a Total TER of 0.04%. It's like finding a great deal on a used car—it gets the job done without draining your wallet. In the world of investing, where fees can eat into returns like termites on wood, you've managed to keep the pests at bay.
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