Roast mode 🔥

A big bet on big names with a side of international flavor for guilt-free diversification

Report created on Aug 16, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is like that one friend who insists they're adventurous because they once added pepper to their ketchup. With 70% of the portfolio in large-cap U.S. stocks, it's clear you're playing it safe, but then you sprinkle in some international and small-cap ETFs to spice things up. The problem? It's like adding a dash of hot sauce to a gallon of mayo; it barely moves the needle on true diversification.

Growth Info

Historically, this portfolio has been the financial equivalent of a roller coaster designed by a caffeinated squirrel. With a CAGR of 18.26% and a max drawdown of -35.20%, it's had its highs but also moments where investors would be clutching their pearls. Remember, past performance is like relying on last year's weather forecast to plan today's picnic — optimistic, but not particularly reliable.

Projection Info

Monte Carlo simulations suggest this portfolio could either be a ticket to the moon or a paddleboat in a storm, depending on the day. With a 5th percentile outcome looking grim and a median projection that's more dream than reality, it's a reminder that investing isn't just about hoping for the best. It's about preparing for the worst while aiming for something in between.

Asset classes Info

  • Stocks
    100%

Putting all your eggs in the stock basket? Bold move. With 100% in stocks, this portfolio is like a diet consisting entirely of steak — thrilling but missing some essential nutrients. Diversification across asset classes, like adding bonds or real estate, can help smooth out those stomach-churning market dips.

Sectors Info

  • Technology
    27%
  • Financials
    17%
  • Consumer Discretionary
    13%
  • Industrials
    11%
  • Telecommunications
    10%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

The sector allocation reads like a teenager's first attempt at a balanced diet: heavy on tech and financials, with a smattering of consumer cyclicals for flavor. This tech-heavy tilt is like banking on your fast metabolism to handle a junk food binge — it works until it suddenly doesn't.

Regions Info

  • North America
    86%
  • Europe Developed
    8%
  • Japan
    4%
  • Australasia
    1%
  • Asia Developed
    1%

With 86% in North America, this portfolio is the investing equivalent of never leaving your hometown. Sure, it's comfortable, but it's also limiting. Expanding more significantly into international markets could be like studying abroad: eye-opening and potentially lucrative.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    24%
  • Mid-cap
    15%
  • Small-cap
    10%
  • Micro-cap
    8%

The market cap allocation is like having friends from different social circles — it's diverse, but you're still hanging out with the popular kids (mega and big caps) most of the time. A bit more mingling with the small and micro caps could lead to some interesting conversations (returns), albeit with more drama (volatility).

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Avantis® International Equity ETF
    High correlation
  • Vanguard S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The high correlation between some of your ETFs is like buying five different brands of plain white T-shirts — they may look slightly different, but they all serve the same purpose. Diversifying into assets that don't move in lockstep can help protect your portfolio when the market throws a tantrum.

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.

Before you even think about optimization, let's talk about those overlapping assets. It's like having duplicate apps on your phone that do the same thing — it clutters your space without adding value. Streamlining your holdings could make for a more efficient and effective portfolio.

Dividends Info

  • Avantis® International Equity ETF 2.70%
  • Avantis® International Small Cap Value ETF 3.70%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.27%

Relying on dividends from this set-up is like expecting gourmet meals from a fast-food joint — hopeful but ultimately unsatisfying. The overall yield is low, indicating that income generation is not this portfolio's forte. A more balanced approach could serve up a more satisfying income meal.

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%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.12%

Kudos on keeping costs lower than a limbo stick at a beach party. With a total TER of 0.12%, you're not letting fees eat away at your returns, which is commendable. It's one of the few areas where being cheap pays off in spades.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey