A portfolio that loves home cooking and fears foreign spices
Report created on Aug 16, 2025Risk profile
5/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 85.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00%
At first glance, this portfolio screams "safety in what I know," with a staggering 85% parked in a Vanguard Total Stock Market Index Fund and a modest 15% in its International counterpart. It's like going to an international food festival and only eating burgers because that's what you're used to. While it's broadly diversified across sectors, the geographical diversification is like claiming to be a world traveler because you once flew over Canada.
Growth
With a CAGR of 13.40%, it seems you've caught some good waves. But let's not forget that past performance is like being the high school quarterback — great at the time, but not necessarily indicative of future success. The -34.82% max drawdown is a stark reminder that the market doesn't care about your feelings, and those 29 days that drove 90% of returns? That’s like betting your retirement on a few lucky lottery tickets.
Projection
Monte Carlo simulations with a median projection of 314.6% growth might have you dreaming of sipping margaritas on a private beach, but remember, these are just educated guesses. With simulations ranging from a low 36.2% to a high 456.5%, it's clear there's a wide range of possibilities. Betting the farm on the upper end might leave you farming in your backyard instead.
Asset classes
- Stocks 99%
- Cash 1%
With 99% in stocks and a lonely 1% in cash, this portfolio is like a rock band with no bass player — it’s missing a crucial element that provides balance. While stocks can lead the charge towards growth, a sprinkle of bonds or real estate could smooth out the ride without sacrificing the headline act.
Sectors
- Technology 28%
- Financials 15%
- Consumer Discretionary 11%
- Industrials 10%
- Health Care 10%
- Telecommunications 9%
- Consumer Staples 6%
- Energy 3%
- Real Estate 3%
- Basic Materials 3%
- Utilities 3%
The sector allocation reads like a who’s who of the stock market, with a tech-heavy lineup reminiscent of a Silicon Valley cocktail party. While it's great to ride the tech wave, remember that even titans can stumble. Diversifying beyond the hottest sectors can protect you from the inevitable hangover when the party ends.
Regions
- North America 86%
- Europe Developed 6%
- Asia Emerging 2%
- Japan 2%
- Asia Developed 2%
- Australasia 1%
- Africa/Middle East 1%
With 86% allocated to North America, this portfolio has a home team bias that would make even the most patriotic investor blush. Venturing beyond the familiar shores could not only spice up returns but also reduce the risk of a domestic downturn leaving you stranded.
Market capitalization
- Mega-cap 41%
- Large-cap 31%
- Mid-cap 19%
- Small-cap 6%
- Micro-cap 2%
The tilt towards mega and big caps is like always choosing the biggest slice of pizza — satisfying in the moment but potentially limiting in the long run. Small and micro caps offer growth potential that the big guys can't match, albeit with added volatility. A little more cap variety could make for a more balanced diet.
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 is like a car with a powerful engine but only three wheels. Sure, it can move fast, but is it really taking you where you want to go in the most efficient way? Balancing risk and return is an art, and this portfolio might benefit from a few adjustments to smooth out the ride.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.42%
The dividend yield is like a small, steady flame in a sea of volatility, offering a bit of warmth in cold times. But don’t get too cozy; dividends are just one part of the total return picture. Relying too heavily on them is like building a campfire and forgetting to set up a tent.
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) 0.03%
The low costs are a rare highlight, proving that even a portfolio with a home bias and a tech crush can have its moments of clarity. Kudos for not letting fees eat into your returns like a termite in a wooden house.
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