Roast mode 🔥

Factor nerd fever dream pretending to be a chill balanced portfolio

Report created on Apr 3, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This thing calls itself “balanced” with a straight face while sitting at 90% stocks and 5% bonds. That’s not balanced; that’s a stock junkie keeping one tiny salad leaf on the plate for optics. The structure screams “I read a lot of factor-investing blogs” – lots of Avantis and Dimensional, all chopped into small slices that mostly rhyme with each other. It’s diversified in the sense that there are many tickers, but they’re basically variations on the same value/small/international theme. Takeaway: structurally it’s coherent, but the vibe is more “enthusiastic equity hobbyist” than middle‑of‑the‑road, and anyone thinking this behaves like a classic 60/40 is kidding themselves.

Growth Info

Historically, the portfolio has actually walked the walk: 15.29% CAGR versus 14.93% for the US market and 14.41% global, with a smaller max drawdown than both. So yes, you beat the benchmarks and did it with slightly smoother bumps. Before victory laps: this is a 2.5‑year window, which in market time is basically one good season of TV, not a career. CAGR (compound annual growth rate) is just the “average speed” over that period; it looks nice, but markets change characters fast. Takeaway: performance is encouraging and consistent with the factor tilts, but treating this short stretch as proof of genius would be… ambitious.

Projection Info

The Monte Carlo projection basically says, “Probably fine, but don’t get cocky.” Monte Carlo just runs thousands of “what if” market paths and shows where you might land, like rolling financial dice over and over. Median outcome of $2,747 from $1,000 in 15 years with a 75% chance of being positive is decent, but that $1,077 at the pessimistic end (p5) is a polite way of saying “you could almost roundtrip this.” The $6,993 top end is fantasy‑land upside, not a promise. Past data drives these simulations, and past data is yesterday’s weather: helpful, not psychic. Takeaway: expect a bumpy but probably rewarding ride.

Asset classes Info

  • Stocks
    90%
  • Bonds
    5%
  • Real Estate
    4%

Asset allocation here is 90% stocks, 5% bonds, 4% real estate. That’s less “balanced investor” and more “stocks with a side quest.” The 5% bond piece is basically cosmetic – it won’t save the day in a real crash; it’ll just soften the punch slightly. The REIT slice is at least a nod to diversification, but at 4% it’s more garnish than ingredient. For someone allegedly in the middle‑risk camp, this leans suspiciously close to aggressive growth territory. Takeaway: if the goal is genuine balance, fixed income is badly underemployed; right now, equities clearly run the show.

Sectors Info

  • Financials
    17%
  • Technology
    15%
  • Industrials
    13%
  • Consumer Discretionary
    9%
  • Energy
    8%
  • Basic Materials
    7%
  • Real Estate
    6%
  • Health Care
    6%
  • Telecommunications
    5%
  • Consumer Staples
    4%
  • Consumer Discretionary
    2%
  • Utilities
    2%

This breakdown covers the equity portion of your portfolio only.

Sector mix is actually one of the more sane parts: no single sector is wildly dominant, and tech isn’t over‑worshipped. You’ve got financials at the top, then tech, then industrials – so not a pure “tech cult” portfolio. Still, the tilt toward financials plus valuey stuff means you’re more exposed to economic cycles and interest‑rate drama than a plain vanilla market index. It’s a portfolio that does better when “boring profitable companies” are in fashion and might lag when growth stories are the market’s favorite toy again. Takeaway: reasonably diversified by sector, but not neutral in how it reacts to different economic moods.

Regions Info

  • North America
    54%
  • Europe Developed
    15%
  • Japan
    8%
  • Asia Developed
    6%
  • Asia Emerging
    6%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this is actually not bad, which is annoying because it ruins the roast a bit. About 54% in North America and the rest scattered decently across Europe, Japan, developed Asia, and emerging markets. So it’s not doing the classic “America or bust” thing, and emerging exposure isn’t just a token 1% pat on the back. That said, it does lean global enough that when the world outside the US catches a cold, this portfolio will start sneezing. Takeaway: global allocation is surprisingly sensible for something that otherwise feels like a factor science project.

Market capitalization Info

  • Mid-cap
    24%
  • Large-cap
    23%
  • Mega-cap
    23%
  • Small-cap
    18%
  • Micro-cap
    7%

This breakdown covers the equity portion of your portfolio only.

Market cap spread is where the nerdiness really shows: mega, large, and mid are all roughly similar, but then you’ve got a chunky 18% in small caps and even 7% in micro caps. That’s not “oops, a bit of small cap snuck in”; that’s a deliberate invite to volatility. Small and micro caps are like the scrappy kids in the market playground – great when they run, painful when they face‑plant. Takeaway: this isn’t a lazy index hugger. It’s purposefully leaning into the wilder end of the size spectrum, which is fun… as long as you can handle bruises.

True holdings Info

  • Taiwan Semiconductor Manufacturing
    0.50%
    Part of fund(s):
    • Avantis® Emerging Markets Equity ETF
  • SHELL PLC WI ADR/2
    0.39%
    Part of fund(s):
    • Avantis® International Equity ETF
    • Dimensional International Value ETF
  • Welltower Inc
    0.37%
    Part of fund(s):
    • iShares Core U.S. REIT ETF
  • Prologis Inc
    0.35%
    Part of fund(s):
    • iShares Core U.S. REIT ETF
  • Exxon Mobil Corp
    0.31%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
  • Samsung Electronics Co. Ltd
    0.30%
    Part of fund(s):
    • Avantis® Emerging Markets Equity ETF
  • Equinix Inc
    0.29%
    Part of fund(s):
    • iShares Core U.S. REIT ETF
  • SK Hynix Inc
    0.28%
    Part of fund(s):
    • Avantis® Emerging Markets Equity ETF
  • TotalEnergies SE
    0.25%
    Part of fund(s):
    • Avantis® International Equity ETF
    • Dimensional International Value ETF
  • Micron Technology Inc
    0.24%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
  • Top 10 total 3.26%

Look‑through data only covers about 10% of the portfolio, so it’s like judging a house from one blurry room photo. Even in that tiny slice, you can already see the pattern: repeat appearances from big global names like TSMC, Shell, and Exxon hiding inside different funds. That’s overlap 101: thinking you own lots of stuff, but owning the same crowd via different doors. And remember, this is only the top 10 of each ETF, so actual duplication is almost certainly higher. Takeaway: it’s still reasonably diversified, but don’t fool yourself into thinking 12 tickers equals 12 independent bets.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 76%
Size
Exposure to smaller companies
Neutral
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 59%
Quality
Preference for financially healthy companies
High
Data availability: 59%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 95%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor profile is absolutely screaming “value nerd.” Value at 70% and quality at 61% say two things: you want cheapish stocks, but not total garbage. Size, momentum, yield, and low vol all sit near neutral, so the real story is “good companies at sensible prices,” not meme stock roulette. Factor exposure is basically the ingredient list behind performance – and here the recipe is: tilt toward value and quality, accept some cyclicality, hope markets remember fundamentals eventually. This isn’t wildly contradictory or reckless; it’s actually pretty coherent. Takeaway: congratulations, this is a value‑tilted portfolio on purpose, not by accident. Own the geekiness.

Risk contribution Info

  • Schwab S&P 500 Index Fund
    Weight: 22.20%
    22.2%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 8.45%
    11.4%
  • Dimensional U.S. Small Cap ETF
    Weight: 7.05%
    9.2%
  • Avantis® International Equity ETF
    Weight: 9.17%
    9.0%
  • Avantis® Emerging Markets Equity ETF
    Weight: 7.96%
    8.4%
  • Top 5 risk contribution 60.3%

Risk contribution wise, the S&P 500 fund sits at 22% weight and 22% of risk – very on‑brand, no surprises. The real overachievers are the small cap funds: together they’re barely over 15% weight but contribute over 20% of the portfolio’s risk. That’s the classic “short kid causing all the bar fight trouble” effect. Risk contribution just shows who’s actually driving the drama day to day, not who looks big on the holding list. Takeaway: if things ever feel too spicy, trimming the small‑cap value exposures would cool volatility way faster than touching the big boring S&P piece.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Avantis® International Equity ETF
    Avantis International Small Cap Equity ETF
    Dimensional International Value ETF
    High correlation
  • Avantis® Emerging Markets Value ETF
    Avantis® Emerging Markets Equity ETF
    High correlation
  • Dimensional U.S. Small Cap ETF
    Avantis® U.S. Small Cap Value ETF
    High correlation

The correlation list reads like a roll call of twins: international equity funds all move together, international small caps all move together, emerging markets pairs, and the small cap US funds too. High correlation means when one screams, its buddy screams with it – not exactly a shocker when they’re basically the same style in slightly different wrappers. In a real downturn, these “different” funds will likely just go down in harmony, like a very sad choir. Takeaway: diversification is more across regions and factors than across actual behavior; in a crash, expect them to rhyme loudly.

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.

The efficient frontier section is where the roast comes back to life. Your current portfolio Sharpe ratio is 0.83 while the optimal combination of the *same* holdings gets to 1.35. Translation: with exactly this ingredient list, there’s a much smarter way to mix them that gives higher return for only slightly more risk. Being 4.23 percentage points below the frontier at your risk level means you’re basically jogging in the grass while the track is right there. Takeaway: this isn’t a “buy new stuff” problem – it’s a “reweight what you already own” problem. The engine is good; the tuning is sloppy.

Dividends Info

  • Avantis® International Equity ETF 2.70%
  • Avantis International Small Cap Equity ETF 2.30%
  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® Emerging Markets Equity ETF 2.40%
  • Avantis® Emerging Markets Value ETF 3.20%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 1.20%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Dimensional U.S. Small Cap ETF 1.00%
  • Dimensional International Value ETF 2.70%
  • Schwab U.S. Aggregate Bond ETF 3.80%
  • Schwab S&P 500 Index Fund 1.20%
  • iShares Core U.S. REIT ETF 2.80%
  • Weighted yield (per year) 2.09%

A 2.09% overall yield is the financial equivalent of a polite nod, not a warm hug. You’ve got some decent contributors – REITs, valuey international and emerging markets, and bonds – but the US equity side isn’t exactly a cash‑flow monster. This is clearly a total‑return, growth‑leaning approach that happens to throw off some income, not a portfolio built for serious paycheck‑replacement. Dividends are nice, but chasing them too hard is like picking restaurants only by portion size – you can still get lousy meals. Takeaway: fine for reinvestors, not ideal for someone expecting their portfolio to pay the monthly bills.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis International Small Cap Equity ETF 0.30%
  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Avantis® Emerging Markets Value ETF 0.36%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 0.15%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Dimensional U.S. Small Cap ETF 0.26%
  • Dimensional International Value ETF 0.27%
  • Schwab U.S. Aggregate Bond ETF 0.03%
  • Schwab S&P 500 Index Fund 0.02%
  • iShares Core U.S. REIT ETF 0.08%
  • Weighted costs total (per year) 0.20%

Costs are almost disappointingly reasonable. A 0.20% overall TER for a very factor‑tilted, multi‑fund setup is… actually solid. You’ve mixed dirt‑cheap core funds (Schwab) with moderately priced smart beta/factor stuff (Avantis, Dimensional) without wandering into “why am I paying this much?” territory. Think of TER as the subscription fee for owning these funds every year; at 0.20%, you’re not getting fleeced. I’d love to mock a 1% fee here, but there isn’t one. Takeaway: fees are under control – either someone did their homework or got suspiciously lucky on fund selection clicks.

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